Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history 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 essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
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.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
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.
The table below highlights the cheapest non-owner car insurance companies in Minnesota.
| 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 |
Note: *USAA is only available to military community members and their families.
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
Non-owner auto insurance cost in Duluth is $24 a month or $290 a year, whereas drivers in Rochester pay $25 a month for the same coverage.
Car insurance premiums in Minnesota vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living also determines the premiums. In areas with higher costs of living in Minnesota, you can expect to pay more for non-owner insurance.
See the table below for the cost of non-owner car insurance in your city.
| 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 for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Minnesota
Non-owner car insurance is a good option in Minnesota to get auto insurance liability coverage if you rent or borrow vehicles occasionally, 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.
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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