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

The average cost of non-owner auto insurance in North Carolina is $414 per year. At an average of $293 per year, Nationwide offers the most affordable non-owner insurance in the state. MoneyGeek’s comprehensive guide will help you learn about non-owner car insurance in North Carolina and how it works.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/16/2022

For drivers who frequently rent cars and use car-sharing services or those who need proof of insurance to reinstate their license, non-owner car insurance in North Carolina is a good option.

The average cost of non-owner car insurance for drivers with a clean record is $414 per year. This can go up to an average of $1,750 annually for drivers with a serious driving violation, such as a DUI.

MoneyGeek researched the costs of insurers that offer non-owner car insurance in North Carolina and explains when these policies should or should not be considered.

tip icon

Cheapest Non-Owner Car Insurance Companies in North Carolina

Non-owner car insurance is less expensive than traditional car insurance, but you can still save money by comparing rates from different insurance companies.

Based on MoneyGeek’s analysis, the cheapest non-owner car insurance companies in North Carolina, on average, are:

  • Nationwide: $293 per year
  • State Farm: $294 per year

MetLife offers the most expensive non-owner auto insurance in North Carolina at a yearly average of $525.

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

Cheapest Non-Owner Car Insurance Companies in North Carolina

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • Nationwide
    $293
    $24
  • State Farm
    $294
    $25
  • Travelers
    $418
    $35
  • GEICO
    $457
    $38
  • Progressive
    $499
    $42
  • MetLife
    $525
    $44
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in North Carolina?

0
0

The average cost of non-owner auto insurance across all companies in North Carolina is $414 per year, while standard car insurance costs $485 per year on average.

Rates could vary significantly between non-owner car insurance and regular car insurance if you have a serious driving violation like a DUI on your record.

For drivers with a DUI, non-owner car insurance could cost $1,750 per year on average. A standard policy for a driver with a DUI could cost an average of $1,987 per year.

Cheapest DUI Non-Owner Car Insurance Companies in North Carolina

If you need car insurance but you don’t have a car, and you have a history of serious driving violations, non-owner car insurance could be the cheapest option for you.

MoneyGeek found that, on average, the cheapest non-owner car insurance companies for drivers with a DUI in North Carolina are:

  • State Farm: $1,184 per year
  • Nationwide: $1,220 per year

MetLife has the most expensive non-owner car insurance in North Carolina for drivers with a DUI. These policies cost an average of $2,145 per year.

Cheapest DUI Non-Owner Car Insurance Companies in North Carolina

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $1,184
    $99
  • Nationwide
    $1,220
    $102
  • GEICO
    $1,947
    $162
  • Progressive
    $1,962
    $164
  • Travelers
    $2,044
    $170
  • MetLife
    $2,145
    $179
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in North Carolina?

Non-owner car insurance is also called non-owner liability insurance. It includes liability and other basic coverages required by North Carolina. This can be the best option for drivers who need car insurance but don’t own a car.

Uninsured or underinsured motorist coverage can also be added to a non-owner car insurance policy. Keep in mind that non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage.

tip icon
MONEYGEEK EXPERT TIP

Non-owner car insurance policies must meet the following minimum coverage requirements in North Carolina:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $30,000 uninsured motorist coverage per person
  • $60,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage per accident

Who Should Get Non-Owner Car Insurance in North Carolina?

Non-owner car insurance isn't for everyone. However, it can be the best option for you if:

  • You need insurance to get your license reinstated: If your license has been suspended due to a violation, you will need proof of insurance to get it reinstated. A non-owner insurance policy can be the most affordable option if you are in this situation.
  • You frequently rent cars or use car-sharing services: A non-owner car insurance policy will protect you should an accident happen while you’re driving a rented or borrowed car. The policy’s liability insurance will pay for third-party injuries and property damage while costing less than a rental car company’s insurance coverage.
  • You temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: If you currently do not own a car but want to avoid having your insurance coverage lapse, getting a non-owner policy can be the most affordable option. It can also save you money in the long run by preventing your rates from going up in the future.

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

It is not always necessary to have non-owner car insurance. For instance, if you live in Charlotte and drive a friend’s car with their permission, their insurance policy should cover you.

It is also unnecessary to have non-owner auto insurance in North Carolina if you only rent cars occasionally. If you rent a car just once or twice a year, buying rental car insurance will be sufficient and save you money.

How to Get Non-Owner Car Insurance in North Carolina

Although MoneyGeek confirmed that all the companies on this page offer non-owner auto insurance quotes, insurers usually do not provide these quotes online. The best way to get quotes for non-owner car insurance policies is to call the insurer. You can use the contact details below to call the insurers who offer non-owner car insurance in North Carolina.

Contact Non-Owner Car Insurance Companies in North Carolina
  • Company
    Contact Number
  • Nationwide
    877-669-6877
  • State Farm
    800-782-8332
  • Travelers
    866-248-9970
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • MetLife
    800-422-4272

Frequently Asked Questions About North Carolina Non-Owner Car Insurance

Non-owner car insurance has significant differences from standard car insurance, which could lead to some confusion. Here are answers to some of the most common questions about non-owner car insurance in North Carolina.

Methodology

MoneyGeek collected non-owner car insurance quotes across North Carolina in collaboration with Quadrant Information Services. We collected quotes for a 40-year-old driver with a safe driving record and a DUI.

All policies met the minimum coverage requirements in North Carolina except for liability insurance, which has the following coverage 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.