Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a South Dakota driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $14 a month in South Dakota for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $170 per year—lower than liability-only coverage of $338 for South Dakota drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in South Dakota at an average cost of $4 per month.
Do I need non-owner car insurance in South Dakota?
Non-owner car insurance in South Dakota is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in South Dakota
Non-owner car insurance costs $14 a month or $170 per year in South Dakota for coverage limits of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in South Dakota
According to CarInsurance.com’s analysis, Auto-Owners offers the lowest non-owner car insurance rates in South Dakota, with an average cost of $4 per month. Geico and State Farm also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
The table below highlights the cheapest non-owner car insurance companies in South Dakota.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in South Dakota, by age and gender
In South Dakota, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $728 a month for insurance, whereas adding a 16-year-old female would cost you around $671 monthly.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in South Dakota.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $574 | $537 |
| Young Adults (20-24) | $243 | $233 |
| Adults (25-60) | $163 | $168 |
| Seniors (65-75) | $172 | $163 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest South Dakota cities
In Mitchell the average cost of non-owner auto insurance is $14 per month or $163 per year, and Yankton drivers pay $14 a month for the same coverage.
In South Dakota, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any South Dakota city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Mitchell | $163 | $14 |
| Yankton | $163 | $14 |
| Huron | $165 | $14 |
| Brookings | $167 | $14 |
| Pierre | $169 | $14 |
| Watertown | $170 | $14 |
| Aberdeen | $173 | $14 |
| Spearfish | $187 | $16 |
| Rapid City | $213 | $18 |
| Sioux Falls | $227 | $19 |
Affordable non-owner insurance in South Dakota, by ZIP code
A South Dakota driver aged 40 living in ZIP code 57270 pays $151 annually or $13 monthly for non-owner car insurance, while a 40-year-old in ZIP code 57274 with a clean driving record pays $151 per year or $13 per month.
When should you consider buying non-owner car insurance in South Dakota?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in South Dakota
Non-owner car insurance is a good option in South Dakota to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs