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

Non-owner car insurance is a type of auto insurance coverage that provides financial protection for drivers who don’t own a car but still regularly operate a vehicle. It is often used by those who frequently rent or borrow cars.

For drivers with severe violations like DUIs, obtaining non-owner car insurance can help reinstate your driver’s license as it allows you to provide the necessary proof of insurance to the state.

GEICO offers the cheapest non-owner car insurance in North Dakota for drivers with clean records, while State Farm is the most affordable for drivers with violations on their records. Auto-Owners balances affordability and quality service to emerge as North Dakota’s best overall non-owner car insurance provider.

GEICO and State Farm offer North Dakota’s cheapest non-owner auto insurance policies.

• Drivers with clean records: GEICO ($16 per month)
• Drivers with violations: State Farm ($18 per month)

If you have a driving offense on your record, you can anticipate that your non-owner car insurance premiums will be slightly higher in North Dakota. The least expensive insurer for a driver with a traffic infraction is $2 more monthly than the most affordable policy for a driver with a spotless driving record.

GEICO and State Farm offer North Dakota drivers with a clean record the cheapest non-owner car insurance rates in the state.

• GEICO: $16 per month
• State Farm: $16 per month

USAA provides inexpensive non-owner auto insurance in North Dakota for an affordable monthly rate of about $9. However, this company is only accessible to veterans, current military personnel and their families. In North Dakota, the average monthly rate for cheap non-owner car insurance is around $16, substantially lower than the national average of $43.

State Farm and Auto-Owners offer the most affordable SR-22 car insurance for non-owners with a history of traffic violations in North Dakota.

• State Farm: $18 per month
• Auto-Owners: $24 per month

For military members and their families living in North Dakota, USAA offers the most affordable SR-22 insurance at around $14 monthly. Filing an SR-22 might be necessary for drivers with a record of a DUI or an at-fault accident, which may increase the cost of insurance coverage. The average price for non-owner SR-22 insurance from the cheapest providers in North Dakota is approximately $21 monthly, which is $41 less the national average of $59 per month.

Non-owner car insurance provides liability coverage for a driver who does not own a vehicle but requires coverage in case of an accident while driving someone else's car. Compared to a full coverage policy, non-owner car insurance offers a relatively limited range of protection for a policyholder in North Dakota. The table below compares the coverage offered between non-owner car insurance and a full coverage policy.

In North Dakota, the average monthly cost of non-owner car insurance is $22, significantly lower than the national average of $43 per month. Monthly premiums can vary based on factors that impact car insurance costs, such as age, car make and model, driving record and more. Your location will affect premiums, but it’s minor compared to other aspects of your driving profile.

MoneyGeek’s top picks for the best non-owner auto insurance in North Dakota include the following:

• Auto-Owners: MoneyGeek score 68 out of 100 ($18 per month)
• GEICO: MoneyGeek score 66 out of 100 ($16 per month)
• State Farm: MoneyGeek score 65 out of 100 ($16 per month)

MoneyGeek evaluates car insurance companies based on several important factors for customers to consider when choosing a provider. Our analysis includes J.D. Power’s customer satisfaction ratings, financial stability ratings from AM Best and policy affordability. Learn more about our top picks below.

Many people frequently drive cars they don’t own. Whether renting a vehicle, borrowing one from a friend or needing your driver's license reinstated, a non-owner car insurance policy could be a great option. Below, we detail driver profiles that may benefit from these policies.

North Dakota consumers have several options for non-owner auto insurance. MoneyGeek answered the most commonly asked questions about these policies and the coverage they offer.