- 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
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 |
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 |
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 pick is GEICO. GEICO rates average $74. Its NAIC complaint ratio is 0.91, and it has a 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 may differ depending on your driving record, age and the coverage you choose.
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 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 |
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++.
Compare South Dakota non-owners car insurance rates with other states
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