- 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
- Non-owner car insurance in South Dakota by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in South Dakota
- 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
The cheapest non-owner car insurance in South Dakota is from Auto-Owners, with an average rate of $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
Auto-Owners is our top choice for non-owner car insurance in South Dakota. Its average annual non-owner car insurance cost is $52. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.
State Farm
State Farm is another great option for non-owner car insurance in South Dakota, with average rates of $113 per year. It has an AM Best rating of A++ and a low 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++.
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 |
Average annual rates for non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in South Dakota doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
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 |
Average cost of non-owner car insurance in South Dakota
The average cost of non-owner car insurance in South Dakota is $170, but your rate may differ depending on your driving record, age and the coverage you choose.
The bottom line: Non-owner car insurance in South Dakota
Drivers in South Dakota may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
Non-owner car insurance in South Dakota costs an average of $170, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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.
Expert's Insight
"Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2024 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++.
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