Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in South Dakota
South Dakota drivers can expect to pay an average of $14 per month or $170 annually for non-owner car insurance with a coverage limit of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the 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 may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance 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 |
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.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in South Dakota.
The table below shows how non-owner car insurance rates vary by age and gender in South Dakota.
| 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.
Insurance rates vary by city in South Dakota. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
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 40-year-old South Dakota driver living in ZIP 57270 pays $151 a year or $13 per month for non-owner car insurance, whereas insurance rates in the ZIP code 57274 is $151 a year or $13 per month for a driver age with a clean driving record.
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.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to 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 is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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.
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