- Cheapest non-owner car insurance companies in Minnesota
- Best non-owner car insurance in Minnesota
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Minnesota
- Non-owner car insurance in Minnesota by age and gender
- Non-owner vs. traditional car insurance
- What does Minnesota non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Minnesota
- Methodology
- Compare Minnesota non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Minnesota
The cheapest non-owner car insurance in Minnesota is from Auto-Owners, with an average rate of $65. The second most affordable option in Minnesota is Western National Insurance, with an average rate of $170.
The table below shows the most affordable non-owner car insurance companies in Minnesota.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $65 | $5 |
| Western National Insurance | $170 | $14 |
| State Farm | $205 | $17 |
| North Star Mutual | $256 | $21 |
| GEICO | $305 | $25 |
| Travelers | $419 | $35 |
| Nationwide | $760 | $63 |
| USAA | $240 | $20 |
Best non-owner car insurance in Minnesota
Although Auto-Owners came out on top, State Farm and Travelers are also excellent choices for providing non-owner coverage.
To find the best non-owner car insurance companies in Minnesota, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.
The table below compares the top non-owner car insurance companies in Minnesota.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $65 | 829 | 0.50 | A++ | 4.03 |
| State Farm | $205 | 833 | 0.70 | A++ | 3.44 |
| Travelers | $419 | 797 | 0.49 | A++ | 3.30 |
| GEICO | $305 | 819 | 0.91 | A++ | 3.09 |
| Nationwide | $760 | 792 | 0.64 | A+ | 2.56 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Minnesota.
Auto-Owners
Our top choice for non-owner car insurance in Minnesota is Auto-Owners, with an average rate of $65 for liability coverage. Auto-Owners holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.5.
State Farm
Another excellent choice for non-owner car insurance in Minnesota is State Farm. Average rates are $205 annually. State Farm has an AM Best rating of A++ and an NAIC complaint ratio of 0.7.
Travelers
Our third choice is Travelers, with an average rate of $419. It has an NAIC complaint ratio of 0.49 and an AM Best rating of A++.
PEOPLE ASK:
Do I need Minnesota non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Minnesota
Non-owner car insurance in Minnesota costs $302 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Minnesota by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Minnesota.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Minnesota by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $497 | $473 |
| Young Adults (20-24) | $360 | $356 |
| Adults (25-60) | $296 | $303 |
| Seniors (65-75) | $298 | $304 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Minnesota won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $302 |
| Traditional state minimum policy | $475 |
| State minimum car insurance limits | 30/60/10 |
What does Minnesota non-owner car insurance cover?
A Minnesota non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Minnesota, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Minnesota
Drivers in Minnesota might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
Non-owner car insurance in Minnesota costs an average of $302, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.
Take the time to compare options to find the best non-owner car insurance in Minnesota. Use the tool above to easily compare non-owner insurance providers near you.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Minnesota non-owners car insurance rates with other states
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