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 more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age and location.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $39 a month in North Carolina.
- The non-owner car insurance rate is $470 per year—lower than liability-only coverage of $523 for North Carolina drivers.
- State Farm offers the cheapest non-owner car insurance rates in North Carolina at an average cost of $24 per month.
Do I need non-owner car insurance in North Carolina?
Non-owner car insurance in North Carolina is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
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.
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 North Carolina
Non-owner car insurance costs an average of $39 a month and $470 per year in North Carolina.
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 North Carolina
According to CarInsurance.com’s analysis, State Farm offers the lowest non-owner car insurance rates in North Carolina, with an average cost of $24 per month. North Carolina Farm Bureau and Nationwide also provide affordable 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.
Below is a table showing the cheapest companies for non-owner car insurance in North Carolina.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $285 | $24 |
| North Carolina Farm Bureau | $324 | $27 |
| Nationwide | $440 | $37 |
| Utica National Insurance Group | $468 | $39 |
| Farmers | $504 | $42 |
| Progressive | $504 | $42 |
| Geico | $569 | $47 |
| Allstate | $641 | $53 |
| Erie Insurance | $846 | $71 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest North Carolina cities
In Winston-Salem the average cost of non-owner auto insurance is $38 per month or $457 per year, and Cary drivers pay $40 a month for the same coverage.
Car insurance premiums in North Carolina 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any North Carolina city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Winston-Salem | $457 | $38 |
| Cary | $476 | $40 |
| High Point | $502 | $42 |
| Durham | $504 | $42 |
| Greensboro | $516 | $43 |
| Raleigh | $517 | $43 |
| Wilmington | $530 | $44 |
| Concord | $537 | $45 |
| Charlotte | $555 | $46 |
| Fayetteville | $559 | $47 |
Affordable non-owner insurance in North Carolina, by ZIP code
A North Carolina driver aged 40 living in ZIP code 28635 pays $396 annually or $33 monthly for non-owner car insurance, while a 40-year-old in ZIP code 28685 with a clean driving record pays $396 per year or $33 per month.
When should you consider buying non-owner car insurance in North Carolina?
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.
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 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 North Carolina
Non-owner car insurance in North Carolina is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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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