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

In North Dakota, the average cost of non-owner car insurance is $264 annually. State Farm offers the most affordable non-owner insurance in the state at an average of $145 per year. This comprehensive guide will help you learn more about non-owner car insurance in North Dakota and how it works.

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Last Updated: 12/3/2021
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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.

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Cheapest Non-Owner Car Insurance Companies in North Dakota

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

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $90
    $8
  • State Farm
    $145
    $12
  • Farmers
    $328
    $27
  • Progressive
    $360
    $30
  • GEICO
    $396
    $33
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How Much Is Non-Owner Car Insurance in North Dakota?

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Across all companies in North Dakota, the average cost of non-owner auto insurance is $264 per year. This is cheaper than the average cost of traditional car insurance at $373 per year.

There could be a significant cost difference between non-owner and regular car insurance if you have a serious driving violation such as a DUI on your record.

For drivers with a DUI, non-owner car insurance costs an average of $471 per year, while a standard policy costs roughly $667 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies 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

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $145
    $12
  • USAA
    $214
    $18
  • Progressive
    $397
    $33
  • Farmers
    $431
    $36
  • GEICO
    $1,168
    $97
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What Is Non-Owner Car Insurance in North Dakota?

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.

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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

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

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.

How to Get Non-Owner Car Insurance in North Dakota

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
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • Progressive
    888-671-4405
  • GEICO
    800-207-7847

Frequently Asked Questions About North Dakota Non-Owner Car Insurance

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.

Methodology

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

All policies met the minimum coverage requirements in North Dakota 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.