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

In Minnesota, non-owner car insurance costs $627 per year on average. MoneyGeek found that GEICO has the most affordable non-owner policy in the state at an average annual cost of $428. We analyzed how non-owner car insurance works in Minnesota to help you learn more about it.

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Last Updated: 12/3/2021
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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.

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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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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $376
    $31
  • GEICO
    $428
    $36
  • State Farm
    $474
    $40
  • Farmers
    $631
    $53
  • Progressive
    $1,226
    $102
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How Much Is Non-Owner Car Insurance in Minnesota?

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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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  • 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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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.

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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
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • Progressive
    888-671-4405

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.