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

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Non-owner car insurance in South Dakota is $170 a year, which is $210 lower than the rest of the nation on average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in South Dakota, such as USAA, State Farm and Farmers Insurance.

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.

In addition to understanding the various requirements, it’s important to learn 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?

It’s usually less expensive to buy non-owner insurance than regular car insurance because insurers regard non-owner policyholders as less risky due to their limited access to a car.

On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. In South Dakota, the cost is $1,581 a year..

On the other hand, non-owner auto insurance is $170 a year in South Dakota and $380 on average in the U.S.

But various factors affect individual rates, such as which insurer you buy from, your age, your driving history and where in South Dakota you live.

Which insurer offers the cheapest non-owner insurance rates in South Dakota?

Auto-Owners offer South Dakota’s least expensive non-owner insurance policy at $35 a year.

At $331, 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 also an important factor when it comes to pricing. Statistically, young drivers are riskier 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 $170 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $749 on average.

Average non-owner auto insurance rates in South Dakota by age and gender

Which South Dakota cities have the cheapest non-owner car insurance?

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are charts showing which cities in South Dakota have the lowest and highest non-owner car insurance rates.

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

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

How much is non-owner auto insurance in South Dakota’s 10 biggest cities?

The biggest cities in South Dakota sometimes have rates that are significantly different. The non-owner insurance cost in Sioux Falls is the most expensive at $227, while Pierre has the least expensive prices among the state’s largest cities at $165.

Non-owner car insurance rates in South Dakota’s 10 largest cities

How non-owner insurance rates in South Dakota compare to rates in other states

From state to state, the rates for non-owner car insurance can also differ. South Dakota’s average non-owner insurance rate is $170, lower than the $380 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. After that, it’s Iowa at $193 annually.

Non-owner car insurance rates in the 10 most populous states

How to get non-owner auto insurance in South Dakota

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact a car 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are a few insurance companies with their phone 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.