- 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
- Average cost of non-owner car insurance in North Carolina
- Non-owner car insurance in North Carolina by age and gender
- Non-owner vs. traditional car insurance
- What does North Carolina non-owner car insurance cover?
- 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
State Farm offers the lowest non-owner car insurance rates in North Carolina, with an average cost of $285. The next most affordable option is North Carolina Farm Bureau, which has an average rate of $324.
The table below lists the most budget-friendly non-owner car insurance companies in North Carolina.
| 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
While State Farm is the top choice, Erie Insurance and Nationwide are also great options for non-owner coverage.
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 Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best 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
Take a closer look at our top picks for non-owner car insurance in North Carolina.
State Farm
State Farm is our top choice for non-owner car insurance in North Carolina. Its average annual non-owner car insurance cost is $285. State Farm has an AM Best score of A++ and a low NAIC complaint ratio of 0.7.
Erie Insurance
Erie Insurance is also a great choice for non-owner car insurance in North Carolina, offering coverage at an average annual rate of $846. It has earned an AM Best rating of A+ and maintains a low 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+.
PEOPLE ASK:
Do I need North Carolina 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 North Carolina
Non-owner car insurance in North Carolina costs $470 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 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 |
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 North Carolina 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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $470 |
| Traditional state minimum policy | $476 |
| State minimum car insurance limits | 30/60/25 |
What does North Carolina non-owner car insurance cover?
A North Carolina non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in North Carolina, 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 North Carolina
Drivers in North Carolina 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.
In North Carolina, non-owner car insurance costs an average of $470, with State Farm offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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 North Carolina non-owners car insurance rates with other states
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