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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.

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2023

Table of Contents

Cheapest Non-Owner Car Insurance in North Dakota

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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in North Dakota

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.

Provider
Cheapest Annual Premium
Cheapest Monthly Premium

GEICO

$190

$16

State Farm

$197

$16

Auto-Owners Insurance Co

$216

$18

Nationwide

$348

$29

Progressive

$377

$31

Farmers

$380

$32

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NORTH DAKOTA MINIMUM INSURANCE REQUIREMENTS

The same state-mandated minimum insurance requirements for regular auto insurance in North Dakota also pertain to non-driver auto insurance policies. These include the following limits:

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

Minimum coverage auto insurance may not provide sufficient coverage for all drivers. Depending on the type of vehicle you own, where you live and other factors, you may need a higher level of coverage to protect yourself in an accident. We recommend evaluating your coverage needs before selecting a policy.

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

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.

Provider
Cheapest Annual Premium
Cheapest Monthly Premium

State Farm

$210

$18

Auto-Owners Insurance Co

$290

$24

Nationwide

$348

$29

GEICO

$398

$33

Farmers

$525

$44

Progressive

$555

$46

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WHAT IS SR-22 INSURANCE?

An SR-22 is a form filed with your state by your insurance company that demonstrates proof of financial responsibility and verifies that you have the minimum liability insurance coverage your state requires. It is also known as an "operator's certificate" or "certificate of financial responsibility" and is not a type of insurance. North Dakota typically requires an SR-22 after severe driving offenses such as a DUI or multiple traffic violations.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage
Non-Owner

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Collision

Comprehensive

Average Cost of Non-Owner Car Insurance in North Dakota

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

car
National Average Cost

Monthly Premium

$43
car2
North Dakota Average Cost

Monthly Premium

$22
On average, non-owner car insurance in North Dakota is:$21 saved

This is 49% less expensive.

Best Non-Owner Car Insurance in North Dakota

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.

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MoneyGeek Top Pick
Auto-Owners Insurance

Auto-Owners combines affordability and customer satisfaction to clinch the title of North Dakota’s best non-owner car insurance provider, boasting a stellar complaint index score and demonstrating excellent service. Auto-Owners provides beneficial discounts such as bundling, multiple cars, good student, safe driving, anti-theft system, pay-in-full, paperless billing and airbags that can help you lower your premiums. It also offers add-on coverages like roadside assistance, rental car and travel reimbursement, new car replacement and gap insurance.

Read the full Auto-Owners car insurance review.

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Runner-Up
GEICO

The second-best non-owner car insurance provider in North Dakota is GEICO. Its competitive rates, reliable coverage and valuable discounts make the company a favorite among drivers. Plus, with GEICO, you can access add-ons such as roadside assistance, car rental reimbursement and accident forgiveness. It offers discounts when you adhere to certain safety measures, like wearing your seatbelt, installing anti-lock brakes and using daytime running lights. Moreover, GEICO offers discounts for members of the military, federal employees and those currently deployed.

Read the full GEICO car insurance review.

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Third Place
State Farm

State Farm is North Dakota’s third-best non-owner auto insurance provider. It earned high marks for its low customer complaint ratings and robust financial stability. State Farm offers various discounts, including multi-car, safe driving, anti-theft device, defensive driving course completion and airbag discounts to help consumers save on premiums. It also provides add-on coverages like roadside assistance and rental car or travel reimbursement.

Read the full State Farm car insurance review.

Should You Get Non-Owner Car Insurance in North Dakota?

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.

Who Should Consider Non-Owner Car Insurance?

  • carColored icon

    Car borrowers

    Borrowing a car from a friend or family member is commonplace, but it can leave the borrower vulnerable to a lawsuit if they are involved in an accident. Non-owner car insurance policies can provide up to the state-mandated minimum liability limits in coverage if you borrow someone else's car. These plans provide extra security for you and your friend after an accident.

  • ignition icon

    Occasional renters

    Insuring a rental car may seem daunting, especially if you only need it for a day or two. Non-owner car insurance policies provide the necessary coverage for renting a car, helping you receive the level of coverage you would have as an owner without the long-term commitment of owning a car.

  • seatbelt icon

    Drivers between cars

    Non-owner car insurance is an excellent option if you don't own a car and don't know when you'll get one. Even if you don’t drive often, non-owner insurance is a great way to keep your premiums low after you get a car since most providers examine your coverage history when assessing your risk levels for a policy.

  • driverLicense icon

    License reinstatement seekers

    Non-owner car insurance can be a helpful way to regain a suspended license. Most states require proof of coverage for reinstatement of your license, and non-owner car insurance may be the perfect solution if you need coverage but no longer own a car.

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ONE-DAY CAR INSURANCE

Be cautious of providers offering “one-day insurance” in North Dakota. These plans are not actual products and may be insurance scams. If you need short-term coverage in North Dakota, purchasing car insurance from your car rental company is best.

Frequently Asked Questions About Non-Owner Car Insurance in North Dakota

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.