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

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.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

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

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

How Much Is Non-Owner Car Insurance 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

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

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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.

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

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.

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

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.