Cheapest and Best Non-Owner Car Insurance in South Dakota (2024)

Non-owner car insurance is tailored to provide liability coverage for individuals who do not own a vehicle but still require protection while driving. It is particularly beneficial for those who frequently borrow cars or need continuous coverage despite not being vehicle owners. Non-owner car insurance can also assist drivers with violations, such as DUIs, in reinstating their driver's licenses.

MoneyGeek found that Auto-Owners offers the cheapest non-owner car insurance in South Dakota. It is also the state's best provider of this insurance type, offering the perfect blend of affordability and high-quality service. Even after a violation conviction, Auto-Owners remains the most budget-friendly choice for non-owner SR-22 car insurance in South Dakota.

Auto-Owners offers the cheapest non-owner car insurance for South Dakota drivers at the following rates:

• Drivers with clean records: Auto-Owners ($12 per month)
• Drivers with violations: Auto-Owners ($17 per month)

A driving offense on your record can increase non-owner car insurance premiums. Even with the cheapest insurer, you can expect to spend an additional $5 per month after being charged with a serious violation, like a DUI or an at-fault accident.

The providers offering the cheapest non-owner auto insurance to South Dakota residents with clean driving records are:

• Auto-Owners: $12 per month
• State Farm: $16 per month

USAA charges $10 per month for non-owner car insurance, making it the cheapest provider in South Dakota. However, its policies are only available for veterans, active military members and their families. In South Dakota, non-owner car insurance costs approximately $20 per month — $23 cheaper than the national average of $43 per month.

The following insurers provide the least expensive non-owner car insurance for South Dakota drivers with traffic violations:

• Auto-Owners: $17 per month
• State Farm: $19 per month

Military members can purchase affordable SR-22 insurance through USAA, starting at $15 per month.

Having a driving offense such as a DUI or at-fault accident on your record may require you to submit an SR-22 form, which can lead to increased insurance rates. The cheapest non-owner SR-22 insurance in South Dakota is priced at $17 per month, which is $42 less than the national average of $59.

In South Dakota, non-owner car insurance provides liability-only coverage to individuals who drive but don’t own a car. It offers coverage for bodily injuries and property damage for which the driver may be found responsible in the event of an accident. However, it doesn’t include comprehensive and collision coverage for personal injuries or damages to the vehicle being operated.

This type of insurance is most beneficial for frequent rental car users, drivers who usually borrow cars and those who wish to avoid premium hikes after a lapse in regular auto insurance coverage. Refer to the table below for a quick look at how coverage differs between non-owner and full coverage policies.

On average, South Dakota residents pay around $20 per month for non-owner car insurance, which is much less than the national average monthly cost of $43.

Your location certainly plays a role in determining car insurance premiums. Still, other factors such as age, driving record, coverage limits and the type of vehicle driven can have a more significant impact on rates.

The following insurance providers offer the best non-owner car insurance policies in South Dakota:

• Auto-Owners: MoneyGeek score 77 out of 100 ($12 per month)
• State Farm: MoneyGeek score 68 out of 100 ($16 per month)
• GEICO: MoneyGeek score 66 out of 100 ($18 per month)

MoneyGeek ranks insurers based on their affordability, customer service scores from J.D. Power and financial stability ratings from AM Best. To help you make an informed decision, refer to our detailed overviews of these three companies and choose the insurer that aligns with your specific needs.

Non-owner car insurance is a practical solution for individuals who don't own a vehicle but frequently drive rental cars, borrow vehicles or want to avoid gaps in insurance coverage. It is also necessary for those with a suspended or revoked driver's license.

To help you gain a better understanding, MoneyGeek addressed some frequently asked questions about non-owner car insurance in South Dakota.