- Cheapest non-owner car insurance companies in North Carolina
- Best non-owner car insurance in North Carolina
- Insurance.com's top choices for non-owner car insurance
- Non-owner car insurance in North Carolina by age and gender
- Average annual rates for non-owner vs. traditional car insurance
- Average cost of non-owner car insurance in North Carolina
- The bottom line: Non-owner car insurance in North Carolina
- Methodology
- Compare North Carolina non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in North Carolina
The cheapest non-owner car insurer in North Carolina is State Farm, with rates averaging $285. The second cheapest North Carolina non-owner insurer is North Carolina Farm Bureau. Average rates are $324.
Compare the cheapest non-owner car insurance companies in North Carolina below.
Company | Average annual premium | Average monthly premium |
---|---|---|
State Farm | $285 | $24 |
North Carolina Farm Bureau | $324 | $27 |
Nationwide | $440 | $37 |
Utica National Insurance Group | $468 | $39 |
Farmers | $504 | $42 |
Progressive | $504 | $42 |
Geico | $569 | $47 |
Allstate | $641 | $53 |
Erie Insurance | $846 | $71 |
Best non-owner car insurance in North Carolina
To find the best non-owner car insurance companies in North Carolina, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Data Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.
Although State Farm came out on top, Erie Insurance and Nationwide are also excellent choices for providing non-owner coverage.
The table below compares the top non-owner car insurance companies in North Carolina.
Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
---|---|---|---|---|---|
State Farm | $285 | 807 | 0.70 | A++ | 3.61 |
Erie Insurance | $846 | 829 | 0.61 | A+ | 3.30 |
Nationwide | $440 | 818 | 0.64 | A+ | 3.13 |
Progressive | $504 | 828 | 0.65 | A+ | 3.02 |
Allstate | $641 | 816 | 0.65 | A+ | 2.83 |
Farmers | $504 | 857 | 0.80 | A | 2.76 |
Geico | $569 | 847 | 0.91 | A++ | 2.74 |
Insurance.com's top choices for non-owner car insurance
State Farm
Our number one pick for non-owner car insurance in North Carolina is State Farm. The average rate for liability coverage is $285. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.
Erie Insurance
Another excellent choice for non-owner car insurance in North Carolina is Erie Insurance. Average rates are $846 annually. Erie Insurance has an AM Best rating of A+ and an NAIC complaint ratio of 0.61.
Nationwide
Our third pick is Nationwide. Nationwide rates average $440. Its NAIC complaint ratio is 0.64, and it has a rating of A+.
Non-owner car insurance in North Carolina by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in North Carolina.
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 North Carolina rates for non-owner car insurance based on age and gender.
Age group | Female | Male |
---|---|---|
Teens (16-19) | $613 | $611 |
Young Adults (20-24) | $556 | $556 |
Adults (25-60) | $472 | $477 |
Seniors (65-75) | $487 | $486 |
Average annual rates for 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 North Carolina 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 claim is much lower.
The table below compares average annual rates for non-owner and owner car insurance.
Non-owners state minimum policy | Traditional state minimum policy | State minimum car insurance limits |
---|---|---|
$470 | $476 | 30/60/25 |
Average cost of non-owner car insurance in North Carolina
The average cost of non-owner car insurance in North Carolina is $470, but rates may vary based on factors such as your driving record, age, and coverage level.
The bottom line: Non-owner car insurance in North Carolina
North Carolina drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owners car insurance averages $470 in North Carolina, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best North Carolina non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
Methodology
Insurance.com analyzed non-owner car insurance companies in 2024 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++.
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