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

Non-owner car insurance in North Dakota is a good option for drivers who often rent cars, use car-sharing services or need proof of insurance to reinstate their license.

The average cost of non-owner car insurance is $264 annually for drivers with a clean record. This could increase to an average of $471 annually for drivers with a serious driving violation, such as a DUI.

MoneyGeek researched the costs between insurers that offer non-owner car insurance in North Dakota and explained when these policies should or should not be purchased.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

Non-owner auto insurance is cheaper than a standard car insurance policy. However, you can save more money by comparing rates from different insurers.

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

• State Farm: $145 per year
• Farmers: $328 per year

At an average of $90 per year, USAA is the most affordable option for drivers with a military background.

GEICO offers the most expensive non-owner car insurance in North Dakota at an annual average of $396.

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

Cheapest Non-Owner Car Insurance Companies in North Dakota

Scroll for more

• Company
  Annual Premium
  Monthly Premium
• USAA
  $90
  $8
• State Farm
  $145
  $12
• Farmers
  $328
  $27
• Progressive
  $360
  $30
• GEICO
  $396
  $33

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

If you don’t own a car but need to file an SR-22 to get your license reinstated, non-owner car insurance could be your most affordable option. You may need to file an SR-22 in North Dakota after a serious driving violation, such as a DUI.

MoneyGeek found that, on average, the cheapest non-owner car insurance for drivers with a DUI are offered by:

• State Farm: $145 per year
• Progressive: $397 per year

At $214 per year, USAA is the second cheapest option. However, it is only available for drivers with a military background.

GEICO, at an average of $1,168 annually, is the most expensive company for non-owner SR-22 car insurance in North Dakota.

Cheapest SR-22 Non-Owner Car Insurance Companies in North Dakota

Scroll for more

• Company
  Annual Premium
  Monthly Premium
• State Farm
  $145
  $12
• USAA
  $214
  $18
• Progressive
  $397
  $33
• Farmers
  $431
  $36
• GEICO
  $1,168
  $97

Compare Auto Insurance Rates

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

Loading...

Loading scripts...

Non-owner car insurance, also called non-owner liability insurance, is the best option if you need insurance and don’t own a car. It includes liability insurance and other coverages required by North Dakota.

It is important to note that non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage.

MONEYGEEK EXPERT TIP

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

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $30,000 personal injury protection

A non-owner car insurance policy in North Dakota could be the best option for you if:

• You need insurance to get your license reinstated: If your license has been suspended, you will need proof of insurance to have it reinstated. In this situation, a non-owner insurance policy could be the cheapest option for you.
• You frequently rent cars or use car-sharing services: A non-owner car insurance policy will protect you in the event of an accident while driving a rented or borrowed car. The policy’s liability insurance will pay for third-party injuries and property damage. It can also be cheaper than rental insurance if you rent cars regularly.
• 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 is the most affordable option. It can also help you avoid higher insurance rates later on due to a coverage lapse.

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

It is not always necessary to have non-owner insurance. For instance, if you live in Fargo and drive a friend’s car with their permission, you will be covered under their insurance policy.

It is also unnecessary to have non-owner auto insurance in North Dakota if you only rent cars occasionally. If you just use a rented car once or twice a year, buying rental car insurance is sufficient and cheaper.

MoneyGeek confirmed that all the companies on this page provide non-owner car insurance. However, insurers do not usually offer quotes online. The best way to get quotes for non-owner car insurance in North Dakota is to call insurers using the contact details listed below.

Contact Non-Owner Car Insurance Companies in North Dakota

Non-owner car insurance is not the same as standard auto insurance, and this may cause some confusion. Here are answers to some of the most common questions about non-owner car insurance in North Dakota.