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

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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.

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.

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

In South Dakota, Auto-Owners’s non-owner insurance policy is the cheapest at $52 a year.

At $356 a year, Farmers charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed 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?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, South Dakota non-owner insurance costs $167 a year for a 45-year-old, while it’s $700 for a 16-year-old driver.

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

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 rates

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

How 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 cities

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

Non-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 states

What 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 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 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. Here are a few car insurance companies 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.

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.”

Explore other insurance options in South-Dakota

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.