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

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

GEICO has the cheapest non-owner car insurance in South Dakota at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $114. Auto-Owners is the second-cheapest insurer at $118 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in South Dakota.

Company	Average annual premium	Average monthly premium
GEICO	$114	$9
Auto-Owners	$118	$10
State Farm	$167	$14
Progressive	$168	$14
Iowa Farm Bureau	$258	$21
North Star Mutual	$336	$28
Nationwide	$348	$29

Read our methodology

Best non-owner car insurance in South Dakota

Auto-Owners is our top pick for non-owner car insurance in South Dakota. State Farm and GEICO are also strong options based on affordability, customer satisfaction and financial strength

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	A.M Best	Overall score
Auto-Owners	$118	654	0.44	A+	4.45
State Farm	$167	664	0.87	A+	4.19
GEICO	$114	641	0.60	A++	4.14
Iowa Farm Bureau	$258	645	0.13	A	3.77
Progressive	$168	637	0.60	A+	3.73
Nationwide	$348	632	0.64	A	2.74

Read our methodology

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 $118. Auto-Owners has an AM Best score of A+ and an NAIC complaint ratio of 0.44.

State Farm

Another excellent choice for non-owner car insurance in South Dakota is State Farm. Average rates are $167 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

GEICO

Our third pick is GEICO. GEICO rates average $114. Its NAIC complaint ratio is 0.60, 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 $216 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in South Dakota?

Age and gender significantly impact non-owner car insurance rates in South Dakota, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

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

Below are the average non-owner car insurance rates in South Dakota by age and gender.

Age group	Male	Female
Teens (16-19)	$467	$441
Young Adults (20-24)	$285	$279
Adults (25-60)	$213	$215
Seniors (65-75)	$212	$213

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

Drivers in South Dakota may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

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 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.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$216
Traditional state minimum policy	$450
State minimum car insurance limits	25/50/25

Read our methodology

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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in South Dakota costs an average of $216 per year. GEICO offers the cheapest average premium at $114. Based on our analysis of rates, complaint data and financial strength, Auto-Owners is the best overall insurer for non-owner coverage in South Dakota.

Drivers in South Dakota can find the best non-owner insurance policy by comparing quotes from multiple companies, reviewing customer complaint ratios and checking AM Best financial ratings. Choosing appropriate liability limits and maintaining continuous insurance coverage can also help lower premiums over time.

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 have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

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

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

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.