Cheapest and Best Non-Owner Car Insurance in Minnesota (2024)

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Updated: May 20, 2024

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Non-owner car insurance is a form of basic coverage for drivers who do not own a vehicle but require liability protection while driving borrowed or rented cars. Whether renting vehicles or borrowing cars from friends or family, this insurance brings peace of mind.

If you have a history of severe traffic violations like a DUI, obtaining non-owner car insurance fulfills the state's insurance requirements, making it easier to reinstate your driver's license.

Auto-Owners offers the cheapest and best quality non-owner car insurance policies in Minnesota. It also provides the lowest-cost non-owner plans for drivers with violations on their records. We explored your options for non-owner insurance policies and demystified this unique coverage option for Minnesota drivers.

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Why Trust MoneyGeek? MoneyGeek sourced Minnesota data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

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5Providers Compared

Cheapest Non-Owner Car Insurance in Minnesota

Auto-Owners offers Minnesota’s cheapest non-owner car insurance policies. This company provides the lowest rates to drivers with a clean record and drivers with histories of traffic offenses.

  • Drivers with clean records: Auto-Owners ($19 per month)
  • Drivers with violations: Auto-Owners ($26 per month)

If you have a severe driving offense on your record, you’ll likely experience an increase in your premiums. Auto-Owners charges drivers with a traffic violation an average of $7 more monthly for non-owners policies. Note that insurance rates are subject to variation depending on your circumstances.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Minnesota

Auto-Owners and State Farm offer the most affordable average non-owner insurance rates in Minnesota for drivers with clean records.

  • Auto-Owners: $19 per month
  • State Farm: $33 per month

Military community members should consider USAA for its dedicated service to veterans and active-duty personnel. This company offers cheap average monthly rates for non-owners insurance at $27.

The average cost of non-owners insurance from Minnesota’s cheapest companies is $26 monthly, well below the national monthly average of $43.

Auto-Owners Insurance CoCheapest Annual Premium$228Cheapest Monthly Premium$19
State FarmCheapest Annual Premium$398Cheapest Monthly Premium$33
GEICOCheapest Annual Premium$498Cheapest Monthly Premium$41
TravelersCheapest Annual Premium$542Cheapest Monthly Premium$45
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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In Minnesota, the minimum coverage requirements for car insurance, which also apply to non-owner car insurance, include the following limits:

  • $30,000 for bodily injury liability per person
  • $60,000 for bodily injury liability per accident
  • $10,000 for property damage liability per accident
  • $25,000 for bodily injury liability per person for uninsured/underinsured motorists
  • $50,000 for bodily injury liability per accident for uninsured/underinsured motorists

While these policies are generally affordable, minimum coverage insurance may not provide you with enough financial protection. It’s critical to evaluate your coverage needs before purchasing a car insurance policy.

Cheapest Non-Owner SR-22 Car Insurance in Minnesota

Minnesota drivers with violations on their records will find the cheapest SR-22 car insurance policies for non-owners from Auto-Owners and State Farm.

USAA, a trusted choice for military community members, offers competitive rates for SR-22 non-owner car insurance. With an affordable price of $39 monthly, USAA presents an attractive option for eligible drivers.

Drivers with previous traffic offenses, like at-fault accidents, may need to file an SR-22. While an SR-22 doesn’t increase insurance premiums by itself, the types of violations that necessitate one often will. In Minnesota, the average rate from the most affordable companies for SR-22 non-owner car insurance is $32 monthly, much less expensive than the national monthly average of $59.

Auto-Owners Insurance CoCheapest Annual Premium$310Cheapest Monthly Premium$26
State FarmCheapest Annual Premium$449Cheapest Monthly Premium$37
TravelersCheapest Annual Premium$754Cheapest Monthly Premium$63
GEICOCheapest Annual Premium$857Cheapest Monthly Premium$71
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An SR-22 is a form your insurance company submits to prove your compliance with state-required insurance coverage. Despite the misconception, “SR-22 car insurance” is not a distinct insurance policy.

In Minnesota, individuals who need an SR-22 filing but don't own a car can explore non-owner car insurance. These policies cover liabilities when driving borrowed or rented vehicles, satisfying the SR-22 requirements without owning a car.

Minnesotans seeking affordable SR-22 car insurance have numerous options for cost-effective coverage within the state.

What Is Non-Owner Car Insurance?

Non-owner car insurance in Minnesota provides liability protection for drivers who don't own a vehicle but need coverage while driving. It covers liability for bodily injury and property damage when operating borrowed or rented cars. However, it does not cover injuries to yourself or damages to the car you drove. Non-owner car insurance is an affordable solution to meet state insurance requirements without owning a vehicle.

The table below illustrates the differences in coverage between non-owner car insurance and a full coverage policy.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Minnesota

In Minnesota, the average monthly cost of car insurance for non-owners is $33. This rate is well below the national average monthly rate of $43.

It's important to understand that factors such as age, vehicle make and model, driving history and coverage limits can significantly impact your car insurance premiums beyond your location.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Minnesota Average Cost

Monthly Premium

On average, non-owner car insurance in Minnesota is:$10 saved

This is 23% less expensive.

Best Non-Owner Car Insurance in Minnesota

Minnesota’s top companies for non-owner car insurance are:

  • Auto-Owners: MoneyGeek score of 78 out of 100 ($19 per month)
  • State Farm: MoneyGeek score of 59 out of 100 ($33 per month)
  • GEICO: MoneyGeek score of 51 out of 100 ($41 per month)

At MoneyGeek, we evaluate car insurance companies based on provider performance in different areas, taking into account J.D. Power’s customer satisfaction scores, AM Best's financial stability ratings and relative affordability.

By reviewing the key features of each company mentioned below, you can make a well-informed choice when selecting non-owner car insurance coverage in Minnesota.

MoneyGeek Top Pick

Auto-Owners is MoneyGeek’s top choice for non-owner car insurance in Minnesota. Our research found that this provider scores highly in customer satisfaction and provides reliable claims management. AM Best gave this company an A++ for financial stability, indicating its ability to pay customer claims promptly. Its affordable rate means that Auto-Owners offers excellent value for drivers seeking non-owner car insurance. However, this insurer does not provide online quotes, making it more difficult to compare insurance rates.

Read the full Auto-Owners car insurance review.

State Farm

State Farm is a well-established insurance company that offers non-owner car insurance coverage in Minnesota. Its strong financial standing means you can rely on this company to pay claims. State Farm provides competitive rates and a range of coverage options and discounts to meet the needs of Minnesota customers. You can lower your premiums by practicing safe driving and installing anti-theft systems in your vehicle. The downside with this provider is that it lacks several valuable add-ons, such as accident forgiveness and gap insurance coverage.

Read the full State Farm car insurance review.

Third Place

GEICO is a popular choice for non-owner car insurance in Minnesota. This company is known for its affordable rates and offering flexible coverage options. It also has a user-friendly online platform for policy management.

GEICO's robust financial stability makes it a reliable choice for non-owner car insurance, and its generous discounts (including discounts for safety equipment and bundling policies) can lower your premiums even further. Unfortunately, GEICO also receives relatively high numbers of customer complaints, indicating issues with resolving consumer queries.

Read the full GEICO car insurance review.

Should You Get Non-Owner Car Insurance in Minnesota?

Non-owner car insurance in Minnesota is a beneficial choice for specific individuals who don't own a car but drive occasionally. This profile includes drivers who frequently rent cars or borrow vehicles from others. Non-owner car insurance offers coverage and peace of mind when regular car insurance is not applicable.

Explore the profiles of drivers who can benefit the most from a non-owner car insurance policy.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is valuable if you frequently borrow cars from friends or family. It provides liability protection and fills insurance gaps when driving a borrowed vehicle, granting peace of mind to the borrower and the owner of the vehicle.

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    Occasional renters

    Drivers who rent cars occasionally can benefit from non-owner car insurance in Minnesota. It offers an extra layer of protection beyond the rental car company's coverage, ensuring liability protection in an accident during the rental period.

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    Drivers between cars

    Whether transitioning between cars or waiting to purchase a new vehicle in Minnesota, non-owner car insurance ensures continuous protection. Uninterrupted coverage typically lowers your premiums when you’re ready to buy standard car insurance again.

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    License reinstatement seekers

    Non-owner car insurance in Minnesota can assist drivers seeking to reinstate their driver's license after a suspension or revocation. It satisfies the requirement for a Certificate of Financial Responsibility (SR-22) filing, demonstrating financial responsibility and fulfilling insurance obligations for license reinstatement.

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In Minnesota, drivers should exercise caution against providers offering "one-day insurance." This product is unavailable in the state and could be an insurance scam.

To meet temporary car insurance needs in Minnesota, such as during a move or a road trip, it is advisable to obtain rental car insurance directly from your car rental company. This practice will guarantee legitimate coverage and protect you from fraud.

Frequently Asked Questions About Non-Owner Car Insurance in Minnesota

Below are commonly asked questions about non-owner car insurance in Minnesota and our answers to help you find the best policy for your driving profile.

Which company offers the cheapest non-owner car insurance in Minnesota?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Minnesota?
How much does non-owner car insurance cost in Minnesota?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.