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 is usually cheaper than standard car insurance since it doesn’t cover a North Dakota 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 $17 a month in North Dakota for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $209 per year—lower than liability-only coverage of $370 for North Dakota drivers.
- Geico offers the cheapest non-owner car insurance rates in North Dakota at an average cost of $9 per month.
Do I need non-owner car insurance in North Dakota?
Non-owner car insurance in North Dakota 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.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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 North Dakota
Non-owner car insurance costs $17 a month or $209 per year in North Dakota for coverage limits of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in North Dakota
According to CarInsurance.com’s analysis, Geico offers the lowest non-owner car insurance rates in North Dakota, with an average cost of $9 per month. State Farm and Auto-Owners 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.
See the cheapest companies for non-owner car insurance in North Dakota in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $105 | $9 |
| State Farm | $109 | $9 |
| Auto-Owners | $112 | $9 |
| Nodak Insurance | $128 | $11 |
| American Family | $141 | $12 |
| North Star Mutual | $181 | $15 |
| Nationwide | $342 | $29 |
| Progressive | $367 | $31 |
| Farmers | $529 | $44 |
| USAA* | $80 | $7 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in North Dakota, by age and gender
Non-owner car insurance costs in North Dakota can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $547 a month, while adding a 16-year-old female might increase your monthly cost by $345 .
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in North Dakota.
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) | $383 | $334 |
| Young Adults (20-24) | $274 | $280 |
| Adults (25-60) | $206 | $217 |
| Seniors (65-75) | $226 | $217 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest North Dakota cities
Non-owner auto insurance cost in Jamestown is $16 a month or $197 a year, whereas drivers in Wahpeton pay $17 a month for the same coverage.
In North Dakota, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in North Dakota generally pay higher insurance premiums, 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 |
|---|---|---|
| Jamestown | $197 | $16 |
| Wahpeton | $206 | $17 |
| Dickinson | $220 | $18 |
| Mandan | $227 | $19 |
| Williston | $229 | $19 |
| West Fargo | $230 | $19 |
| Fargo | $231 | $19 |
| Bismarck | $232 | $19 |
| Grand Forks | $232 | $19 |
| Minot | $239 | $20 |
Affordable non-owner insurance in North Dakota, by ZIP code
A 40-year-old North Dakota driver living in ZIP 58405 pays $197 a year or $16 per month for non-owner car insurance, whereas insurance rates in the ZIP code 58401 is $197 a year or $16 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in North Dakota?
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.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could 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 North Dakota
Non-owner car insurance is an excellent choice in North Dakota if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
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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