- Cheapest non-owner car insurance companies in South Dakota
- Best non-owner car insurance in South Dakota
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in South Dakota
- Non-owner car insurance in South Dakota by age and gender
- Non-owner vs. traditional car insurance
- What does South Dakota non-owner car insurance cover?
- The bottom line: Non-owner car insurance in South Dakota
- Methodology
- Compare South Dakota non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in South Dakota
Auto-Owners is the cheapest non-owner car insurance in South Dakota, with rates averaging $52. The second most affordable option in South Dakota is GEICO, with an average rate of $74.
The table below shows the most affordable non-owner car insurance companies in South Dakota.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $52 | $4 |
| GEICO | $74 | $6 |
| State Farm | $113 | $9 |
| North Star Mutual | $163 | $14 |
| Iowa Farm Bureau | $183 | $15 |
| Progressive | $324 | $27 |
| Farmers | $356 | $30 |
| USAA | $96 | $8 |
Best non-owner car insurance in South Dakota
While Auto-Owners is the top choice, State Farm and GEICO are also great options for non-owner coverage.
To find the best non-owner car insurance companies in South Dakota, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best non-owner car insurance companies in South Dakota.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $52 | 829 | 0.50 | A++ | 4.01 |
| State Farm | $113 | 833 | 0.70 | A++ | 3.40 |
| GEICO | $74 | 819 | 0.91 | A++ | 3.30 |
| Progressive | $324 | 803 | 0.65 | A+ | 2.61 |
| Farmers | $356 | 819 | 0.80 | A | 2.32 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in South Dakota
Auto-Owners
Our number one pick for non-owner car insurance in South Dakota is Auto-Owners. The average rate for liability coverage is $52. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.
State Farm
Another excellent choice for non-owner car insurance in South Dakota is State Farm. Average rates are $113 annually. State Farm has an AM Best rating of A++ and an NAIC complaint ratio of 0.7.
GEICO
Our third choice is GEICO, with an average rate of $74. It has an NAIC complaint ratio of 0.91 and an AM Best rating of A++.
PEOPLE ASK:
Do I need South Dakota non-owner car insurance to drive a friend's car?
Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.
Average cost of non-owner car insurance in South Dakota
The average cost of non-owner car insurance in South Dakota is $170, but rates may vary based on factors such as your driving record, age, and coverage level.
Non-owner car insurance in South Dakota by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in South Dakota.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average South Dakota rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $574 | $537 |
| Young Adults (20-24) | $243 | $233 |
| Adults (25-60) | $163 | $168 |
| Seniors (65-75) | $172 | $163 |
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in South Dakota doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $170 |
| Traditional state minimum policy | $307 |
| State minimum car insurance limits | 25/50/25 |
What does South Dakota non-owner car insurance cover?
A South Dakota non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all South Dakota minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.
Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in South Dakota
South Dakota drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owners car insurance averages $170 in South Dakota, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best South Dakota non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.
For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare South Dakota non-owners car insurance rates with other states
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