Home Car insurance Non-owner car insurance Non-owner auto insurance in South Dakota Non-owner auto insurance in South Dakota: Which company has the cheapest rates? Auto-Owners and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 13, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in South Dakota costs $170 annually, which is $183 lower than the average nationally, according to an Insure.com 2023 rate analysis. In South Dakota, non-owner policies are available from companies such as USAA, State Farm and Farmers. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in South Dakota. Key Takeaways The average non-owner car insurance cost in South Dakota is $14 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in South Dakota pays an average of $781 for non-owner car insurance, whereas a 25-year-old male pays $196 a year for the same coverage. Auto-Owners offers most affordable rates for non-owner car insurance in South Dakota at $35. How much does non-owner car insurance cost in South Dakota? Insurance companies view non-owner policyholders as less of a risk due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage car insurance. On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In South Dakota, full coverage car insurance costs $1,581. Alternatively, non-owner auto insurance is $353 a year on average in the United States and $170 in South Dakota. But various factors affect individual rates, such as where in South Dakota you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in South Dakota? With an average annual cost of $35, Auto-Owners’ non-owner insurance policy is South Dakota’s most affordable. At $331 a year, Progressive charges the highest rate for non-owner insurance in the state. The best way to find the lowest price is to compare quotes from several different insurers. We have listed South Dakota’s most affordable non-owner insurance policies below. Cheapest non-owner insurance rates in South Dakota CompanyAverage annual premiumAuto-Owners$35Geico$68USAA$84State Farm$94Farmers$285 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in South Dakota by age? Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. South Dakota non-owner insurance costs, on average, $749 a year for a 16-year-old, while it’s $170 for a 45-year-old driver. Average non-owner auto insurance rates in South Dakota by age and gender AgeMaleFemale16$781$71717$702$64918$597$55619$375$35120$336$31621$263$24322$241$22623$220$21024$206$20025$196$19930$182$18335$174$18240$170$17845$166$17350$161$16355$157$15760$160$15865$171$16870$190$18175$218$198 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in South Dakota by citySioux FallsAberdeenBrookingsWatertownWhich South Dakota cities have the cheapest non-owner car insurance? Rates differ from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. The tables below display the cities in South Dakota that have the least and most expensive non-owner auto insurance rates. The 20 South Dakota cities with the lowest non-owner car insurance rates Cities in South DakotaLowest non-owner car insurance ratesAvon$152Platte$152Wagner$153Armour$154Geddes$154Agar$155Blunt$155Dante$155Bonneauville$155Highmore$155Kimball$155Lake Andes$155Lebanon$155Miller$155Onida$155Pickstown$155Seneca$155Selby$155Gann Valley$156Hoven$156 The 20 South Dakota cities with the highest non-owner auto insurance rates Cities in South DakotaHighest non-owner car insurance ratesSioux Falls$227Rapid City$208Crooks$206Green Valley$205Harrisburg$203Tea$203Ellsworth AFB$200Valley Springs$200Box Elder$199Brandon$199Baltic$198Piedmont$198Hartford$194Worthing$193Garretson$190Lennox$190Blackhawk$190Hermosa$189Hot Springs$189Smithwick$189 How much is non-owner auto insurance in South Dakota’s 10 biggest cities? The most populous cities in South Dakota have varying non-owner insurance rates. The cost of non-owner insurance in Sioux Falls is the highest at $227, while Pierre has the least expensive rates of the state’s most populous cities at $165. Non-owner car rates in South Dakota’s 10 largest cities 10 largest cities in South DakotaNon-owner car ratesSioux Falls$227Rapid City$208Box Elder$199Aberdeen$176Brookings$176Watertown$176Huron$170Mitchell$169Yankton$168Pierre$165 How non-owner insurance rates in South Dakota compare to rates in other states Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in South Dakota is $170 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 How to get non-ownercar insurance in South Dakota Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website. “The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance. Here are some insurers with their contact numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033 USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. Explore other insurance options in South-Dakota Average car insurance cost in South Dakota Cheapest homeowners insurance in South Dakota Average renters insurance cost in South Dakota How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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