Non-Owner Car Insurance in South Dakota: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in South Dakota is $276 per year. State Farm offers the cheapest policy, which costs around $225 annually. MoneyGeek’s guide can help you learn about how non-owner car insurance in South Dakota works.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 12/3/2021
Advertising & Editorial Disclosure

Non-owner car insurance in South Dakota is a good idea if you don’t own a car but frequently rent cars, use car-sharing services or need proof of insurance to get your license reinstated.

The cost of non-owner car insurance in South Dakota for drivers with clean records is around $276 per year. Drivers with a DUI on their record pay an average of $491 per year.

MoneyGeek researched the premiums from several insurance companies in South Dakota to find the best options and help you decide when you should and shouldn’t get this type of policy.

tip icon

Cheapest Non-Owner Car Insurance Companies in South Dakota

While you can save money by choosing non-owner car insurance instead of a traditional policy, you can save even more by comparing quotes from different insurers.

On average, MoneyGeek found that the cheapest companies offering non-owner car insurance in South Dakota are:

  • State Farm: $225 per year
  • Progressive: $320 per year

If you have a military background, you can get a cheaper rate from USAA. These policies cost an average of $106 per year.

The most expensive option is from GEICO, with an average rate of $404 per year.

The costs in this guide are based on a 40-year-old driver with a non-owner car insurance policy in South Dakota with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in South Dakota

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $106
    $9
  • State Farm
    $225
    $19
  • Progressive
    $320
    $27
  • Farmers
    $325
    $27
  • GEICO
    $404
    $34
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in South Dakota?

0
0

The average cost of non-owners insurance in South Dakota is $276 annually. This is cheaper than a traditional policy by around $112.

There’s a significant cost difference if you have a driving violation. A driver with a DUI will pay roughly $491 annually for non-owner car insurance, while the same driver would pay around $655 for a traditional car insurance policy.

Cheapest SR-22 Non-Owner Car Insurance Companies in South Dakota

If you don’t have a vehicle and need your license reinstated, a non-owner car insurance policy can be an affordable option to meet the requirements when submitting an SR-22.

When filing for an SR-22 in South Dakota to reinstate your license, the cheapest insurance companies for drivers with a DUI are, on average:

  • State Farm: $225 per year
  • Progressive: $373 per year

USAA has the second cheapest rate, costing an average of $236 for a driver with a DUI. However, these policies are only available to members of the military and their families.

The most expensive SR-22 car insurance is available from GEICO at an average of $1,163 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in South Dakota

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $225
    $19
  • USAA
    $236
    $20
  • Progressive
    $373
    $31
  • Farmers
    $456
    $38
  • GEICO
    $1,163
    $97
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in South Dakota?

Non-owner car insurance, also called non-owner liability insurance, is your best option when you need auto insurance and don’t own a vehicle. Aside from liability insurance, it also meets the coverage requirements for the state of South Dakota. However, unlike full coverage, it doesn’t include comprehensive and collision insurance.

tip icon
MONEYGEEK EXPERT TIP

The following coverages are required for non-owner car insurance in South Dakota:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Who Should Get Non-Owner Car Insurance in South Dakota?

Are you considering purchasing non-owner car insurance but don’t know whether it’s right for you? Here are the most common reasons why you should get this type of policy:

  • You need insurance to get your license reinstated: Generally, non-owner car insurance in South Dakota is recommended for drivers who need an affordable way to get their license reinstated. You can use it as proof of financial responsibility.
  • You frequently rent cars or use car-sharing services: If you regularly use rental vehicles or car-sharing services, non-owner car insurance can be an affordable way to make sure you are covered in the event of an accident. It’s also cheaper than rental car insurance in the long run.
  • You temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: If you temporarily don’t have a car, non-owner car insurance is the cheapest option to avoid a coverage lapse. This type of lapse can mean higher insurance premiums in the future, so non-owner car insurance can help you avoid increased rates.

Who Shouldn’t Get Non-Owner Car Insurance in South Dakota?

There are cases where non-owner car insurance in South Dakota is not necessary. For example, If you live in Sioux Falls and borrow a car with the owner’s permission, you’ll be covered under their policy. Therefore, you don’t need non-owner car insurance.

Another example is if you only use rental cars occasionally. If you only rent cars once or twice a year, rental car insurance is sufficient and more cost-effective.

How to Get Non-Owner Car Insurance in South Dakota

All the companies listed by MoneyGeek in this guide offer non-owner car insurance in South Dakota. Since insurance providers typically don’t publish their rates online for these policies, calling them directly using the contact information below is the best way to get a quote.

Contact Non-Owner Car Insurance Companies in South Dakota
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • GEICO
    800-207-7847

Frequently Asked Questions About South Dakota Non-Owner Car Insurance

Drivers looking for insurance tend to get confused about what non-owner car insurance is and how it’s different from a traditional insurance policy. Here are some of the most frequently asked questions about non-owner car insurance in South Dakota.

Methodology

MoneyGeek analyzed data collected from insurance companies in South Dakota with the help of Quadrant Information Services. The quotes were based on two sample drivers. Both drivers were 40-year old, but one had a clean record and another had a DUI. These non-owner car insurance policies met the state’s minimum requirements with the exception of the liability insurance, which had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The same limits apply to a traditional car insurance policy as well.

sources
  • South Dakota Division of Insurance. "Auto Insurance." Accessed October 12, 2021.