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SD admitted filing requirements

South Dakota Admitted P&C filing requirements

Review South Dakota admitted property and casualty form, rate, and rule filing methods, timing, exemptions, packaging requirements, and official authorities.

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South Dakota filing requirements

Search the source-backed requirements. Each entry shows only the filing details that apply.

Showing 5 of 5 requirements

Form · Rate · Rule

Exemption

Rate and form filing is waived only when the policyholder employs the required risk-management expertise and meets at least two statutory size tests. The disclosure must be made at solicitation.

Applies to: Qualifying exempt commercial policyholder

Conditions and exceptions: Tests include $50,000 premium $10 million net worth or revenue 100 employees specified nonprofit or public budgets or a municipality of at least 20,000. Workers compensation and title are excluded.

Filing method
No Filing
Timing
Not applicable
Applies to
Commercial
Filing required
No
SDCL §§ 58-24-68 through 58-24-70
Verified Jul 21, 2026

Form

Method

A covered form must be filed and approved before use. It is filed at least 30 days before delivery; silence deems approval and the director may extend review once for up to 30 additional days.

Applies to: Ordinary personal and commercial forms

Conditions and exceptions: The qualifying exempt-commercial-policyholder path is separate and narrow.

Filing method
Prior Approval
Timing
30 days before delivery
Approval before use
Conditional
Configuration
Combined Allowed
SDCL §§ 58-11-12 and 58-11-17-.18 — Form approval and waiting periodProperty and Casualty Filing Requirements
Verified Jul 21, 2026

Rate · Rule

Method

Covered rating material is filed and may take effect on the filing date or a later proposed date. The ordinary method is file-and-use without a 30-day waiting period.

Applies to: Ordinary rates manuals rules rating plans and modifications

Conditions and exceptions: Customary nonmanual inland marine and specified automobile treatment differ.

Filing method
File And Use
Timing
On filing
Configuration
Combined Allowed
SDCL §§ 58-24-10 and 58-24-10.2 — Rate filingsProperty and Casualty Filing Requirements
Verified Jul 21, 2026

Rate · Rule

Method

The director may order a particular insurer to file rates at least 30 days before use when close supervision is required; the order can provide a further 30-day review period.

Applies to: Director order based on statutory factors

Filer type: insurer

Conditions and exceptions: This is an order-based exception and not the ordinary statewide method.

Filing method
Prior Approval
Timing
30 days before use
Approval before use
Yes
Configuration
Combined Allowed
SDCL § 58-24-10.2
Verified Jul 21, 2026

Form · Rate · Rule

Packaging

Current South Dakota filings use Form/Rule Form/Rate and Form/Rate/Rule types. No reviewed primary instruction requires all related material to be combined.

Applies to: Configured SERFF filing types

Approval before use
Conditional
Configuration
Combined Or Separate
South Dakota filing types submitted 2024-2026
Verified Jul 21, 2026