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

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.

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.

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.

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.

• Auto-Owners: $26 per month
• State Farm: $37 per month

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.

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.

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.

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.

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.

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.