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

Q: Which company offers the cheapest non-owner car insurance in South Dakota?

Auto-Owners is the cheapest option for non-owner car insurance in South Dakota, with policies costing $12 per month for those with clean records and $17 per month for drivers with violations. Don't forget to explore your provider's discounts to maximize your savings.

Q: Which companies offer non-owner car insurance with the best mix of quality and affordability in South Dakota?

Auto-Owners is ranked as the top non-owner car insurance provider in South Dakota, surpassing competitors such as State Farm and GEICO . This is based on MoneyGeek’s analysis of insurance companies’ affordability, customer service and financial stability. However, the ideal provider for your specific requirements and preferences may differ.

With monthly premiums averaging $12, Auto-Owners is the cheapest and best non-owner car insurance provider for safe drivers in South Dakota. Your actual premium may differ based on your age, location and driving record.

By Mark Fitzpatrick

Edited by Jonathan Ramos

Updated: December 2, 2024

Advertising & Editorial Disclosure

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.

Key Takeaways

In South Dakota, Auto-Owners provides the most affordable non-owner car insurance for drivers with a clean record at $12 per month, with State Farm as the runner-up option.

In South Dakota, Auto-Owners offers the cheapest non-owner car insurance for drivers with offenses at $17 per month, with State Farm as the second most affordable option.

Auto-Owners leads as the best non-owner car insurance provider in South Dakota, with a MoneyGeek score of 77 out of 100, while State Farm and GEICO are also top choices for affordable and reliable coverage.

Why Trust MoneyGeek? MoneyGeek sourced South Dakota data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

96Plans Analyzed

6Providers Compared

Cheapest Non-Owner 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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in South Dakota

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.


Auto-Owners Insurance Co	$148	$12
State Farm	$198	$16
GEICO	$221	$18
Farmers	$294	$25
Progressive	$436	$36

SOUTH DAKOTA MINIMUM INSURANCE REQUIREMENTS

Non-owner car insurance in South Dakota must adhere to the state's minimum coverage requirements, which include:

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

While these limits represent the minimum requirements set by state law, they may not provide sufficient coverage for all drivers. Estimating your coverage needs before finalizing your auto insurance purchase is crucial to ensure that you’re getting adequate protection.

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

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.


Auto-Owners Insurance Co	$201	$17
State Farm	$228	$19
GEICO	$376	$31
Farmers	$433	$36
Progressive	$714	$59

WHAT IS SR-22 INSURANCE?

An SR-22 is not a form of car insurance — it's a document that demonstrates compliance with state-mandated insurance requirements. It's typically required for drivers who have been involved in certain violations or at-fault accidents.

Despite the common usage of the term "SR-22 car insurance," it is important to clarify that SR-22 is not a specific type of insurance policy.

What Is Non-Owner Car Insurance?

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.

Policy Coverage	Full Coverage	Non-Owner
Liability insurance
Medical payments
Personal injury protection
Uninsured/underinsured motorist
Rental car liability
Collision
Comprehensive

Average Cost of Non-Owner Car Insurance in South Dakota

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

$43

South Dakota Average Cost

Monthly Premium

$20

On average, non-owner car insurance in South Dakota is:$23 saved

This is 53% less expensive.

Best Non-Owner Car Insurance in South Dakota

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.

MoneyGeek Top Pick

Auto-Owners Insurance

Auto-Owners stands as the best non-owner car insurance provider in South Dakota, thanks to its highly competitive rates and extensive coverage options. Policyholders can enjoy substantial discounts by bundling insurance policies, insuring multiple vehicles and maintaining a clean driving record. Additionally, students may be eligible for discounts if they maintain a strong academic record. You’ll also be eligible for discounts if your vehicle has an anti-theft system.

Read the full Auto-Owners review.

Runner-Up

State Farm

State Farm stands out for its remarkably affordable premiums and well-regarded reputation for delivering exceptional customer experiences. However, its range of available add-on coverages is limited.

Policyholders can substantially reduce their premiums by leveraging State Farm's wide range of discounts. Customers can get discounts for insuring multiple vehicles, bundling policies, maintaining a clean driving record for at least three years or driving a car with safety features like anti-lock braking systems or daytime running lamps.

Read the full State Farm review.

Third Place

GEICO

GEICO is another solid choice for non-owner car insurance in South Dakota, providing excellent customer service at an affordable price point. However, when it comes to handling claims, it lags slightly behind its competitors, and its selection of coverage options is also somewhat limited. GEICO offers several discount opportunities that can significantly reduce your car insurance costs. These discounts include incentives for driving a car with safety features like airbags, anti-theft systems, anti-lock brakes and daytime running lights. Bundling multiple insurance products with GEICO and maintaining a clean driving record can also result in additional savings.

Read the full GEICO review.

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

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.

Who Should Consider Non-Owner Car Insurance?

Car borrowers

Non-owner car insurance is an excellent option for individuals who regularly borrow vehicles from friends or family members. By obtaining this type of policy, they can be protected against liability in the event of an accident, offering both peace of mind and financial security. Non-owner car insurance is also a cost-effective alternative to purchasing a comprehensive auto insurance policy.

Occasional renters

Those who rent cars from time to time may want to consider non-owner car insurance as a cheaper alternative to traditional auto insurance, providing essential coverage for property damage and bodily injury liability in the event of an at-fault accident.

Drivers between cars

Insurance providers increase premiums when there is a gap in your coverage history. If you have recently sold your vehicle or anticipate a prolonged period without driving, non-owner car insurance offers an affordable solution to avoid higher premiums when you reinstate regular coverage.

License reinstatement seekers

To regain driving privileges following a license suspension or revocation, you may need to secure non-owner car insurance and file an SR-22 form. The SR-22 serves as proof of insurance and is necessary for reinstating your driver's license.

ONE-DAY CAR INSURANCE

Exercise caution when encountering providers promising "one-day insurance," as it is not a genuine insurance product and may be associated with fraudulent activities. If you require short-term coverage for a day or two, it is advisable to obtain insurance directly from the rental car insurance company. Various options are available for getting temporary car insurance in South Dakota.

Frequently Asked Questions About Non-Owner Car Insurance in South Dakota

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

Which company offers the cheapest non-owner car insurance in South Dakota?

Auto-Owners is the cheapest option for non-owner car insurance in South Dakota, with policies costing $12 per month for those with clean records and $17 per month for drivers with violations. Don't forget to explore your provider's discounts to maximize your savings.

Which companies offer non-owner car insurance with the best mix of quality and affordability in South Dakota?

Auto-Owners is ranked as the top non-owner car insurance provider in South Dakota, surpassing competitors such as State Farm and GEICO. This is based on MoneyGeek’s analysis of insurance companies’ affordability, customer service and financial stability. However, the ideal provider for your specific requirements and preferences may differ.

How much does non-owner car insurance cost in South Dakota?

Non-owner car insurance in South Dakota costs an average of $20 per month. This is substantially less than the national average of $43 per month. While your location has an impact on insurance rates, other factors like your age, driving history, coverage limits and the type of vehicle you drive have a greater effect on your premiums.

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About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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