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

Which companies offer the cheapest non-owner car insurance in Minnesota?

Auto-Owners has the cheapest non-owner car insurance in Minnesota, with average annual rates of $117. North Star Mutual is the second-cheapest option at $270 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Minnesota.

Company	Average annual premium	Average monthly premium
Auto-Owners	$117	$10
North Star Mutual	$270	$22
State Farm	$365	$30
GEICO	$444	$37
Travelers	$564	$47

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What are the best non-owner car insurance companies in Minnesota?

The best non-owner car insurance companies in Minnesota are Auto-Owners, State Farm, and GEICO, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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	A.M Best	Overall score
Auto-Owners	$117	654	0.44	A+	4.82
State Farm	$365	664	0.87	A+	3.86
GEICO	$444	641	0.60	A++	3.86
Travelers	$564	585	0.63	A++	3.04

Read our methodology

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 $117 for liability coverage. Auto-Owners holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.44.

State Farm

State Farm is also a great choice for non-owner car insurance in Minnesota, offering coverage at an average annual rate of $365. It has earned an AM Best rating of A+ and maintains a low NAIC complaint ratio of 0.87.

GEICO

Our third choice is GEICO, with an average rate of $444. It has an NAIC complaint ratio of 0.60 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

The average cost of non-owner car insurance in Minnesota is $352 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Minnesota?

Age and gender significantly impact non-owner car insurance rates in Minnesota, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Minnesota by age and gender.

Age group	Male	Female
Teens (16-19)	$780	$733
Young Adults (20-24)	$427	$424
Adults (25-60)	$344	$352
Seniors (65-75)	$341	$344

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Do you need non-owner car insurance in Minnesota?

You may need non-owner insurance in Minnesota if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Minnesota doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

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 liability only	$352
Traditional state minimum policy	$852
State minimum car insurance limits	30/60/10

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What does Minnesota non-owner car insurance cover?

Non-owner car insurance in Minnesota covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Minnesota costs an average of $352, 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.

Be sure to compare your options to find the best non-owner car insurance in Minnesota. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

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++.

FAQ: Non-owner car insurance in Minnesota

Do I need non-owner insurance to drive a friend's car in Minnesota?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Minnesota?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.