On this page
Property and casualty rate, rule and form filings in South Dakota are reviewed by the South Dakota Division of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | South Dakota Division of Insurance |
|---|---|
| Filing system | SERFF (department source) |
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, Commercial multi-peril, Inland marine, Earthquake, Fidelity, Burglary and theft |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in South Dakota, each linked to the official text.
- SDCL 58-11-12 and 58-11-17 - Prior approval of homeowners endorsementsHomeowners · Statute
- SDCL 58-24-66 and 58-24-67 - Advance notice of a workers' compensation loss cost filing and the informal hearingWorkers' compensation · Statute
- SDCL 58-1-14 - Notice of nonrenewal of policyStatute
- SDCL 58-11-12, 58-11-17 and 58-11-18 - Policy form filing and approvalStatute
- SDCL 58-24-10 and 58-24-25 - Filing of rates and effective dateStatute
- SDCL 58-24-5 to 58-24-8 - Rate standards and matters consideredStatute
How to search South Dakota's public rate and form filings
- The South Dakota Division of Insurance uses SERFF Filing Access to make rate and form filings available for public review from anywhere with internet access. Source
- Public access covers rate and form filings that have received final disposition. Source
- The division says SERFF Filing Access gives public access to South Dakota company rate and form filing information at no cost to the user. Source
Start from the department's page: South Dakota Division of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- SDCL 58-1-14 - Notice of nonrenewal of policyStatute
- SDCL 58-11-12, 58-11-17 and 58-11-18 - Policy form filing and approvalStatute
- SDCL 58-11-21 - Grounds for disapproval of a formStatute
- SDCL 58-24-10 and 58-24-25 - Filing of rates and effective dateStatute
- SDCL 58-24-13, 58-24-15 and 58-24-19 - Support, review and disapproval of filingsStatute
- SDCL 58-24-26 - Excess rate approved for a specific riskStatute
- SDCL 58-24-5 to 58-24-8 - Rate standards and matters consideredStatute
- SDCL 58-33-60 and 58-33-61 - Cancellation notice and groundsStatute
Last reviewed
Homeowners
South Dakota sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- SDCL 58-1-15 - Homeowner's insurance policy defined and notice of nonrenewalStatute
- SDCL 58-11-12 and 58-11-17 - Prior approval of homeowners endorsementsStatute
- SDCL 58-24-10 - Every rating rule must be filedStatute
- SDCL 58-24-6 - Catastrophic hazards and the five-year experience periodStatute
- SDCL 58-24-7 - Classification standards must be demonstrableStatute
- South Dakota Bulletin 2002-3 - Credit scoring in homeowners insuranceBulletin
Last reviewed
Personal auto
South Dakota sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- SDCL 32-35-70 - Conditions of an owner's policy, coverage and amountStatute
- SDCL 58-11-45 to 58-11-54 - Cancellation and nonrenewal of automobile policiesStatute
- SDCL 58-11-53 - Notice of eligibility for the assigned risk planStatute
- SDCL 58-11-55 - Discrimination in issuance or renewal of an automobile insurance policyStatute
- SDCL 58-11-57 - Assigned risk plan for automobile liability insuranceStatute
- SDCL 58-11-9 - Uninsured motorist and hit-and-run coverageStatute
Last reviewed
Property and dwelling fire
South Dakota sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- SDCL 58-1-14 and 58-1-15 - Notice of nonrenewal and the homeowner's insurance policy definitionStatute
- SDCL 58-10-10 - Insurance against fire, tornado, or lightning; measure of damages where property wholly destroyedStatute
- SDCL 58-11-12 to 58-11-21 - Property policy form filing, approval and grounds for disapprovalStatute
- SDCL 58-24-2 and 58-24-10 - Application of the rating chapter and effective date of a property rate filingStatute
- SDCL 58-24-6 - Making of rates, matters consideredStatute
- SDCL 58-24-68 to 58-24-74 - Exempt commercial policyholdersStatute
Last reviewed
Workers' compensation
South Dakota sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- SDCL 10-44-2(4) - Fourteen dollar per-policy workers' compensation feeStatute
- SDCL 58-24-10 - Filing of rates and the filing date as the effective dateStatute
- SDCL 58-24-2 - The rating chapter applies to workers' compensationStatute
- SDCL 58-24-49 to 58-24-52 - Deviations must be a uniform percentage on this lineStatute
- SDCL 58-24-66 and 58-24-67 - Advance notice of a workers' compensation loss cost filing and the informal hearingStatute
- SDCL 58-24-68 - Workers' compensation is outside the exempt commercial policyholder definitionStatute
Last reviewed
Commercial multi-peril
South Dakota sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- SDCL 58-11-12, Policy forms - Filing with and approval by directorDepartment guidance
- SDCL 58-11-17 and 58-11-18, Time for filing of forms and extensionDepartment guidance
- SDCL 58-24-10, Filing of rates with director - Effective dateDepartment guidance
- SDCL 58-24-13 and 58-24-19, information furnished in support of a filing and disapproval of filingsDepartment guidance
- SDCL 58-24-13, Information furnished in support of filingDepartment guidance
- SDCL 58-24-26, Excess rate approved for specific riskDepartment guidance
Last reviewed
Inland marine
South Dakota sources for inland marine filings (SERFF type of insurance 09.0 Inland Marine).
- SDCL 58-11-12 and 58-11-17 - Form approvalStatute
- SDCL 58-24-10 - Rate filing and exceptionStatute
- SDCL 58-24-5 and 58-24-6 - Rate standardsStatute
- SDCL 58-30-212.1 - Travel disclosuresStatute
- SDCL 58-30-215.2 - Travel insuranceStatute
- SDCL 58-9-6 and 58-9-7 - Marine definitionStatute
Last reviewed
Earthquake
South Dakota sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- SDCL 58-11-12, Policy forms - Filing with and approval by directorDepartment guidance
- SDCL 58-11-17 and 58-11-18, Time for filing of forms and extensionDepartment guidance
- SDCL 58-24-10, Filing of rates with director - Effective dateDepartment guidance
- South Dakota Bulletin 2002-3, credit scoringDepartment guidance
- South Dakota Division of Insurance property and casualty rate and form filing requirementsDepartment guidance
Last reviewed
Fidelity
South Dakota sources for fidelity filings (SERFF type of insurance 23.0 Fidelity).
- SDCL 58-11-12Statute
- SDCL 58-24-10Statute
- SDCL 58-24-13Statute
- SDCL 58-24-6Statute
- South Dakota P&C Filing RequirementsDepartment guidance
Last reviewed
Burglary and theft
South Dakota sources for burglary and theft filings (SERFF type of insurance 26.0 Burglary and Theft).
- SDCL 58-11-12Statute
- SDCL 58-24-10Statute
- SDCL 58-24-13Statute
- SDCL 58-24-6Statute
- South Dakota P&C Filing RequirementsDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the South Dakota Division of Insurance before you file. All states