Non-owner car insurance in South Dakota: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in South Dakota?

The cheapest non-owner car insurer in South Dakota is Auto-Owners, with rates averaging $52. The second cheapest South Dakota non-owner insurer is GEICO. Average rates are $74.

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

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Best non-owner car insurance in South Dakota

Although Auto-Owners is the best overall choice, State Farm and GEICO are also excellent options for non-owner car insurance coverage.

To identify the best non-owner car insurance companies in South Dakota, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top 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

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Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in South Dakota.

Auto-Owners

Our top choice for non-owner car insurance in South Dakota is Auto-Owners, with an average rate of $52 for liability coverage. Auto-Owners holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.5.

State Farm

State Farm is also a great choice for non-owner car insurance in South Dakota, offering coverage at an average annual rate of $113. It has earned an AM Best rating of A++ and maintains 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++.

PEOPLE ASK:

Do I need South Dakota non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

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 will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code
Your age and gender
Your credit history

Non-owner car insurance in South Dakota by age and gender

Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in South Dakota.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like South Dakota, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in South Dakota by 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

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Do you need non-owner car insurance in South Dakota?

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.

For instance, non-owner car insurance in South Dakota won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.

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

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What does South Dakota non-owner car insurance cover?

A South Dakota non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in South Dakota, but it won't cover any damage to the vehicle you're driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

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-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

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in South Dakota

Do I need non-owner insurance to drive a friend's car in South Dakota?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in South Dakota?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.