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? Residents pay an average of $170 for non-owner car insurance, but Auto-Owners and Geico offer lower rates. View Carriers Please enter valid zip Compare top carriers in your area 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. | Expert insight from Golnoush Goharzad Golnoush Goharzad Personal injury attorney, California.Go to comment | Updated on: November 14, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Non-owner auto insurance in South Dakota costs $170 per year, which is $155 less than the rest of the country on average, according to a rate analysis by Insure.com.In South Dakota, non-owner policies are available from companies such as Auto-Owners, Geico and State Farm. Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.“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 TakeawaysThe 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 $700 for non-owner car insurance, whereas a 25-year-old male pays $190 a year for the same coverage.Auto-Owners offers most affordable rates for non-owner car insurance in South Dakota at $52.How much does non-owner auto insurance cost in South Dakota?Insurers consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 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 property damage. In South Dakota, full coverage car insurance costs $2,280.Alternatively, non-owner car insurance is $325 a year on average in the United States and $170 in South Dakota.But various factors affect individual rates, such as where in state you live, your age and driving history and other factors. You might find interesting The best, cheapest car insurance in South DakotaCheapest car insurance in South DakotaSouth Dakota car insurance calculatorCheapest SR-22 insurance in South DakotaBest and cheapest companies for home and auto bundles in South Dakota Which insurer offers the cheapest non-owner insurance rates in South Dakota?With an average annual cost of $52, Auto-Owners non-owner insurance policy is South Dakota’s most affordable.At $356 a year, Farmers charges the highest rate for non-owner insurance in the state.A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in South Dakota.Cheapest non-owner insurance rates in South DakotaCompanyAverage annual premiumAuto-Owners$52Geico$74State Farm$113North Star Mutual$163Iowa Farm Bureau$183Progressive$324Farmers$356USAA$96Note 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. Statistically, 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. In South Dakota, a 45-year-old will pay an average of $167 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $700.Average non-owner car insurance rates in South Dakota by ageAgeRates for male driversRates for female drivers16$728$67117$650$60618$561$52919$362$34320$330$31521$244$23122$229$21923$212$20424$202$19825$186$19430$175$17835$168$17740$165$17545$163$17150$152$15555$147$14860$149$14865$155$15270$168$16175$192$177See how non-owner car insurance prices vary in major U.S. citiesAustinCharlotteChicagoColumbusDallasDenverFort WorthHoustonIndianapolisJacksonvilleLos AngelesNew YorkOklahoma CityPhiladelphiaPhoenixSan AntonioSan DiegoSan FranciscoSan JoseSeattleShow more Which South Dakota cities have the cheapest non-owner auto insurance?Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.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 auto insurance ratesCityNon-owner car insurance ratesVeblen$151Webster$151New Effington$153Rosholt$153Waubay$153Lone Tree$153Avon$154Miller$154Platte$154Richland$154Lowell$154Pukwana$154Armour$154Claire City$154Dante$154Revillo$154Twin Brooks$154Gann Valley$155Geddes$155Lake City$155The 20 South Dakota cities with the highest non-owner car insurance ratesCityNon-owner car insurance ratesSioux Falls$227Rapid City$213Rapid Valley$209Ellsworth AFB$204Box Elder$202Tea$201Crooks$200Piedmont$200Harrisburg$200Hermosa$199Summerset$196Smithwick$196Fairburn$196Baltic$195Lyons$195Oelrichs$194Caputa$194Oral$194Nemo$194Pringle$193How much is non-owner car 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; Mitchell has the cheapest rates of the largest cities in the state at $163.Non-owner car rates in South Dakota’s 10 largest cities10 largest citiesNon-owner car insurance ratesSioux Falls$227Rapid City$213Spearfish$187Aberdeen$173Watertown$170Pierre$169Brookings$167Huron$165Mitchell$163Yankton$163How non-owner insurance rates in South Dakota compare to rates in other statesNon-owner car 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 $325.Non-owner auto insurance rates in the 10 most populous statesStateAverage annual premiumCalifornia$299Florida$545Georgia$312Illinois$279Michigan$513New York$421North Carolina$470Ohio$214Pennsylvania$263Texas$447National Average$325What does non-owner auto insurance cover?Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”How to get non-owner car insurance in South DakotaGetting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.To purchase a policy, follow these steps:Contact a car insurance agent about the coverageSupply your basic driving historyReview the information you receive on the insurers and ratesChoose the policy that best meets your needsPut down a payment to begin coverageOften, you’ll receive proof of insurance very quickly. Below are a few insurers with phone numbers to call for a non-owner insurance quote.State Farm: 800-782-8332Geico: 800-207-7847Progressive: 888-671-4405Allstate: 800-726-6033USAA: 800-531-8722MethodologyInsure.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.What our expert says Q: Does a non-owner policy cover damage to your car? Golnoush GoharzadPersonal injury attorney, California. These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.” Frequently asked questionsWho needs non-owner car insurance in South Dakota?Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.Is non-owner car insurance available to everyone?Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.Can I get non-owner car insurance if I live with someone who owns a car?If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.What is the difference between non-owner and standard car insurance?Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.How much is car insurance in other statesAlabama$380/YearAlaska$260/YearArizona$396/YearArkansas$266/YearCalifornia$299/YearColorado$282/YearConnecticut$395/YearDelaware$344/YearFlorida$545/YearGeorgia$312/YearHawaii$395/YearIdaho$187/YearIllinois$279/YearIndiana$259/YearIowa$153/YearKansas$274/YearKentucky$375/YearLouisiana$330/YearMaine$238/YearMaryland$438/YearMassachusetts$445/YearMichigan$513/YearMinnesota$302/YearMississippi$321/YearMissouri$358/YearMontana$299/YearNebraska$186/YearNevada$346/YearNew Hampshire$318/YearNew Jersey$459/YearNew Mexico$293/YearNew York$421/YearNorth Carolina$470/YearNorth Dakota$209/YearOhio$214/YearOklahoma$242/YearOregon$441/YearPennsylvania$263/YearRhode Island$518/YearSouth Carolina$368/YearTennessee$363/YearTexas$447/YearUtah$444/YearVermont$296/YearVirginia$290/YearWashington$349/YearWest Virginia$367/YearWisconsin$230/YearWyoming$215/YearShow more Explore other insurance options in South-Dakota Average car insurance cost in South Dakota Average renters insurance cost in South Dakota Average homeowners insurance cost in South Dakota Leslie 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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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page How much does non-owner auto insurance cost in South Dakota?Which insurer offers the cheapest non-owner insurance rates in South Dakota?How much is non-owner car insurance in South Dakota by age?Which South Dakota cities have the cheapest non-owner auto insurance?How much is non-owner car insurance in South Dakota's 10 biggest cities?How non-owner insurance rates in South Dakota compare to rates in other statesWhat does non-owner auto insurance cover?How to get non-owner car insurance in South DakotaMethodologyWhat our expert saysFrequently asked questions ZIP Code Please enter valid ZIP See rates