Non-Owner Car Insurance in Minnesota: The Cheapest Options and What You Need to Know

Non-owner car insurance in Minnesota is for you if you need insurance coverage to get your driver’s license reinstated or frequently use rental cars and car-sharing services. If you have a clean driving record, a non-owner car insurance policy costs an average of $627 per year. A DUI conviction on your record can increase this cost to $942 per year on average.

MoneyGeek breaks down the costs of non-owner car insurance in Minnesota and explains who should and shouldn’t get a non-owner policy.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

Generally, a non-owner policy is less expensive than a traditional car insurance policy. That said, you can still save money on non-owner car insurance in Minnesota by shopping around and comparing estimates from different companies.

MoneyGeek’s analysis shows that the following companies offer the cheapest widely available non-owner car insurance in Minnesota:

• GEICO: $428 per year
• State Farm: $474 per year

For drivers with a military background, USAA is the most affordable option at an average annual cost of $376. With an average yearly cost of $1,226, Progressive is the state’s most expensive non-owner car insurance policy provider.

These average costs are for a 40-year-old driver with a non-owner car insurance policy in Minnesota with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Minnesota

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• Company
  Annual Premium
  Monthly Premium
• USAA
  $376
  $31
• GEICO
  $428
  $36
• State Farm
  $474
  $40
• Farmers
  $631
  $53
• Progressive
  $1,226
  $102

How Much Is Non-Owner Car Insurance in Minnesota?

Drivers who currently do not own a car but need to file an SR-22 to get their license reinstated may find non-owner SR-22 car insurance in Minnesota ideal. You may also need to file an SR-22 in Minnesota if you have a serious driving violation like a DUI on your record.

MoneyGeek’s research shows that the following widely available companies offer cheap non-owner car insurance in Minnesota for drivers with a DUI:

• State Farm: $474 per year
• Farmers: $905 per year

For drivers with a military background and a DUI, USAA would be the most affordable option at an average cost of $708 per year. The most expensive non-owner car insurance company for drivers with a DUI in Minnesota is Progressive, at $1,358 per year on average.

Cheapest SR-22 Non-Owner Car Insurance Companies in Minnesota

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• Company
  Annual Premium
  Monthly Premium
• State Farm
  $474
  $40
• USAA
  $708
  $59
• Farmers
  $905
  $75
• GEICO
  $1,265
  $105
• Progressive
  $1,358
  $113

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Non-owner car insurance, also called non-owner liability insurance, is the best option for drivers who need coverage but do not own a car. It includes liability coverage and other minimum policy coverages required by the state. If you buy non-owner car insurance in Minnesota, you will receive uninsured and underinsured motorist coverage. However, it does not include comprehensive and collision insurance that is part of a full coverage policy.

MONEYGEEK EXPERT TIP

A non-owner car insurance policy in Minnesota still needs to meet the state’s required minimum coverage limits:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $10,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $40,000 personal injury protection per person

In Minnesota, the following types of drivers should buy non-owner car insurance:

• Those who need insurance to get their license reinstated: If you have a suspended driver’s license due to reckless driving, excessive moving violations or a DUI, you would need to file an SR-22 for the reinstatement of your license. In this case, the best option for you may be a non-owner SR-22 car insurance policy.
• Those who frequently use rental cars or car-sharing services: Drivers who use rental cars regularly should buy a non-owner policy since it’s less expensive than rental car insurance. This policy also provides extended coverage in case of any traffic-related damage to the rented vehicle.
• Those who temporarily don’t have a car but want insurance coverage to avoid a lapse: With a lapse in insurance coverage, insurers consider you a high-risk driver and give you higher car insurance quotes. To avoid an insurance coverage lapse, you should get a non-owner car insurance policy.

Who Shouldn’t Get Non-Owner Car Insurance in Minnesota?

You don’t need to buy non-owner car insurance for driving a borrowed vehicle. If you live in Minneapolis and borrow a friend’s car with their permission, your friend’s personal auto insurance policy will cover you in case of any traffic-related accident. A non-owner car insurance policy is also unnecessary if you are not a frequent user of rental cars. For example, if you only rent a car while taking a vacation outside Minnesota once or twice a year, buying rental car insurance would be more affordable.

MoneyGeek confirmed that all companies mentioned in this guide offer non-owner car insurance in Minnesota. Since insurers typically do not publish non-owner car insurance quotes online, you can call these insurance providers using the phone numbers listed below.

Contact Non-Owner Car Insurance Companies in Minnesota

A non-owner car insurance policy is quite different from a traditional auto insurance policy. Understanding the answers to some frequently asked questions about non-owner car insurance in Minnesota may help you to better understand the topic: