Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Minnesota driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $25 a month in Minnesota for the coverage limit of 30/60/10.
- The non-owner car insurance rate is $302 per year—lower than liability-only coverage of $512 for Minnesota drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Minnesota at an average cost of $5 per month.
Do I need non-owner car insurance in Minnesota?
Non-owner car insurance in Minnesota is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Minnesota
Non-owner car insurance costs $25 a month or $302 per year in Minnesota for coverage limits of 30/60/10.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Minnesota
Auto-Owners offers the cheapest non-owner car insurance rates in Minnesota at an average cost of $5 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Western National Insurance and State Farm also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in Minnesota in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $65 | $5 |
| Western National Insurance | $170 | $14 |
| State Farm | $205 | $17 |
| North Star Mutual | $256 | $21 |
| Geico | $305 | $25 |
| Travelers | $419 | $35 |
| Nationwide | $760 | $63 |
| USAA* | $240 | $20 |
Non-owner car insurance in Minnesota, by age and gender
Non-owner car insurance costs in Minnesota vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $568 monthly, whereas if you add a 16-year-old female, you’ll pay $538 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Minnesota.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $497 | $473 |
| Young Adults (20-24) | $360 | $356 |
| Adults (25-60) | $296 | $303 |
| Seniors (65-75) | $298 | $304 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Minnesota cities
In Duluth non-owner auto insurance costs $24 per month or $290 annually, while drivers in Rochester pay $25 monthly for the same coverage.
Insurance rates vary by city in Minnesota. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Minnesota city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Duluth | $290 | $24 |
| Rochester | $297 | $25 |
| Plymouth | $367 | $31 |
| Lakeville | $367 | $31 |
| Woodbury | $377 | $31 |
| Bloomington | $385 | $32 |
| Blaine | $389 | $32 |
| St. Paul | $414 | $35 |
| Brooklyn Park | $440 | $37 |
| Minneapolis | $448 | $37 |
Affordable non-owner insurance in Minnesota, by ZIP code
A 40-year-old Minnesota driver living in ZIP 56726 pays $256 a year or $21 per month for non-owner car insurance, whereas insurance rates in the ZIP code 56714 is $258 a year or $22 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Minnesota?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Minnesota
Non-owner car insurance is an excellent choice in Minnesota if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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