Non-owner car insurance in Minnesota: Best and cheapest companies

Cheapest non-owner car insurance companies in Minnesota

Auto-Owners offers the most affordable non-owner car insurance in Minnesota, with rates averaging $65. The second cheapest Minnesota non-owner insurer is Western National Insurance. Average rates are $170.

Compare the cheapest non-owner car insurance companies in Minnesota below.

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

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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

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Minnesota

Auto-Owners

Our number one pick for non-owner car insurance in Minnesota is Auto-Owners. The average rate for liability coverage is $65. Auto-Owners has an AM Best score of A++ and 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 drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Minnesota

The average cost of non-owner car insurance in Minnesota is $302, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Minnesota by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Minnesota.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Minnesota rates for non-owner car insurance based on 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

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Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Minnesota doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary 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 compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policy	$302
Traditional state minimum policy	$475
State minimum car insurance limits	30/60/10

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What does Minnesota non-owner car insurance cover?

A Minnesota non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Minnesota. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Minnesota

Drivers in Minnesota may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or 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

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.