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.
Cheapest Non-Owner Car Insurance Companies in Minnesota
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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- CompanyAnnual PremiumMonthly 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?
MoneyGeek’s analysis shows that the average cost of non-owner car insurance in Minnesota is $627 per year, $131 less than the average cost of a traditional car insurance policy at $758 per year.
If you have a serious violation like a DUI on your record, it can significantly increase your car insurance premiums. A non-owner policy for drivers with a DUI has an average cost of $942 per year, while a regular car insurance policy costs $1,554 per year on average. The annual average cost difference between these car insurance policies is $612.
Cheapest SR-22 Non-Owner Car Insurance Companies 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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- CompanyAnnual PremiumMonthly Premium
- State Farm$474$40
- USAA$708$59
- Farmers$905$75
- GEICO$1,265$105
- Progressive$1,358$113
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What Is Non-Owner Car Insurance in Minnesota?
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.
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
Who Should Get Non-Owner Car Insurance in Minnesota?
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.
How to Get Non-Owner Car Insurance in Minnesota
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
- CompanyContact Number
- USAA800-531-8722
- GEICO800-207-7847
- State Farm800-782-8332
- Farmers888-327-6335
- Progressive888-671-4405
Frequently Asked Questions About Minnesota Non-Owner Car Insurance
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:
Methodology
MoneyGeek collected non-owner car insurance quotes across Minnesota in collaboration with Quadrant Information Services. These policies were for a 40-year-old driver, either with a safe driving record or a DUI. All policies listed here meet the minimum car insurance requirements of Minnesota, except for liability insurance policies, which have the following limits:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
The data used for traditional car insurance policies had the same limits as above.