How much does nemt insurance cost in South Dakota? (2026)
NEMT insurance pricing in South Dakota is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in South Dakota. Below: the most-recent South Dakota filings affecting nemt operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the NEMT cost guide.
Recent rate-filing activity — 2 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting nemt operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | SD | LCM applied to NCCI loss cost — TIERED by underwriting category | Jul 1, 2025 | Filing #SD-DOI-TRAVELERS-CIA-LCM-2025 |
| WC | SD | LCM multiplier applied to NCCI advisory loss cost | Jul 1, 2022 | Filing #SD-DOI-HARTFORD-UND-LCM-2022 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — NEMT insurance overview
Non-emergency medical transportation (NEMT) moves a vulnerable population — wheelchair and mobility passengers, dialysis and appointment runs — which shapes the whole insurance program. Commercial (livery) auto at high limits is the core, and sexual abuse & molestation (SAM) coverage is increasingly mandatory because standard auto and general-liability policies do not carry it. Broker networks (the entities that assign the trips) add their own certificate-of-insurance requirements — additional-insured, primary & non-contributory wording, and a 30-day cancellation notice.
As an industry-typical estimate, NEMT programs commonly require $1,000,000 combined-single-limit commercial auto (state Medicaid and broker rules push the range $300,000–$1,500,000) plus $1M/$2M general liability and SAM. No insurance bureau publishes NEMT premiums, so every dollar here is an estimate; each fact is sourced to a named authority (III, IRMI). Use the calculator below, then get a real quote in 5 minutes.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a NEMT operation typically carries (industry-typical estimates):
- Commercial (livery) auto: transporting passengers for hire at high limits (commonly $1,000,000 CSL; Medicaid/broker rules vary). III commercial auto.
- Sexual abuse & molestation (SAM): allegations from transporting vulnerable passengers — not carried by standard auto or GL, and increasingly required. IRMI abuse or molestation.
- General liability: slips and injuries during loading, boarding and assistance. III commercial general liability.
- Workers' compensation: mandatory for drivers and attendants in nearly every state. III workers comp.
Broker network, Medicaid contract limits and fleet size are primary rating factors.
For South Dakota-specific direction, see the filed-rate table above.
Get your actual South Dakota quote in 5 minutes
The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free South Dakota quote → 📞 Call 1-833-505-2594More South Dakota rate-filing detail
- All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real South Dakota quote for nemt
The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
Get a free South Dakota quote →Related guides
Sources cited (national context above)
- Commercial Auto Insurance — Insurance Information Institute (III), 2024
- Abuse or Molestation Coverage — International Risk Management Institute (IRMI), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024