Non-owner auto insurance in South Dakota: Which company has the cheapest rates?

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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.

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

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

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.

Which 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

The 20 South Dakota cities with the highest non-owner auto insurance rates

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

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

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:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. 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

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Average renters insurance cost in South Dakota

Average homeowners insurance cost in South Dakota

Leslie Kasperowicz

Managing Editor

 

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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.