Non-Owner Car Insurance in South Dakota
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Liability protection for drivers in South Dakota who don't own a car.
- $35.Average monthly owner liability cost.
- The minimum liability limits are 25/50/25.
- The 39th most expensive of 51 states (1st = highest).
People suited to non-owner insurance
- You often drive borrowed or rented cars but don't own one.
- South Dakota asks you to provide an SR-22 filing, although you don't have a car to insure.
- You want continuous cover between cars because any gap can raise the next price.
What the policy covers
A non-owner policy provides liability coverage only. It must meet South Dakota's minimum of 25/50/25.
If you cause a crash while driving a borrowed car, it pays other people. Usually, the owner's policy pays first; this policy won't repair the car you're driving.
Cost details
Non-owner coverage has no official average. In South Dakota, car owners pay an average liability cost of $416 a year; non-owner policies usually cost less because you don't keep a car in your driveway every day.
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