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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.

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 $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.

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 Dakota

CompanyAverage annual premium
Auto-Owners$52
Geico$74
State Farm$113
North Star Mutual$163
Iowa Farm Bureau$183
Progressive$324
Farmers$356
USAA$96

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. 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 age

AgeRates for male driversRates for female drivers
16$728$671
17$650$606
18$561$529
19$362$343
20$330$315
21$244$231
22$229$219
23$212$204
24$202$198
25$186$194
30$175$178
35$168$177
40$165$175
45$163$171
50$152$155
55$147$148
60$149$148
65$155$152
70$168$161
75$192$177

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

CityNon-owner car insurance rates
Veblen$151
Webster$151
New Effington$153
Rosholt$153
Waubay$153
Lone Tree$153
Avon$154
Miller$154
Platte$154
Richland$154
Lowell$154
Pukwana$154
Armour$154
Claire City$154
Dante$154
Revillo$154
Twin Brooks$154
Gann Valley$155
Geddes$155
Lake City$155

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

CityNon-owner car insurance rates
Sioux Falls$227
Rapid City$213
Rapid Valley$209
Ellsworth AFB$204
Box Elder$202
Tea$201
Crooks$200
Piedmont$200
Harrisburg$200
Hermosa$199
Summerset$196
Smithwick$196
Fairburn$196
Baltic$195
Lyons$195
Oelrichs$194
Caputa$194
Oral$194
Nemo$194
Pringle$193

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

10 largest citiesNon-owner car insurance rates
Sioux Falls$227
Rapid City$213
Spearfish$187
Aberdeen$173
Watertown$170
Pierre$169
Brookings$167
Huron$165
Mitchell$163
Yankton$163

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

StateAverage annual premium
California$299
Florida$545
Georgia$312
Illinois$279
Michigan$513
New York$421
North Carolina$470
Ohio$214
Pennsylvania$263
Texas$447
National Average$325

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 car insurance in South Dakota

Getting 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:

  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

Often, 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: 800-782-8332
  • 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.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
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 questions

Who 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 states

Alabama$380/Year
Alaska$260/Year
Arizona$396/Year
Arkansas$266/Year
California$299/Year
Colorado$282/Year
Connecticut$395/Year
Delaware$344/Year
Florida$545/Year
Georgia$312/Year
Hawaii$395/Year
Idaho$187/Year
Illinois$279/Year
Indiana$259/Year
Iowa$153/Year
Kansas$274/Year
Kentucky$375/Year
Louisiana$330/Year
Maine$238/Year
Maryland$438/Year
Massachusetts$445/Year
Michigan$513/Year
Minnesota$302/Year
Mississippi$321/Year
Missouri$358/Year
Montana$299/Year
Nebraska$186/Year
Nevada$346/Year
New Hampshire$318/Year
New Jersey$459/Year
New Mexico$293/Year
New York$421/Year
North Dakota$209/Year
Ohio$214/Year
Oklahoma$242/Year
Oregon$441/Year
Pennsylvania$263/Year
Rhode Island$518/Year
Tennessee$363/Year
Texas$447/Year
Utah$444/Year
Vermont$296/Year
Virginia$290/Year
Washington$349/Year
West Virginia$367/Year
Wisconsin$230/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing 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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