Non-owner car insurance in North Carolina: Best and cheapest companies

Cheapest non-owner car insurance companies in North Carolina

State Farm is the cheapest non-owner car insurance in North Carolina, with rates averaging $285. The second most affordable option in North Carolina is North Carolina Farm Bureau, with an average rate of $324.

The table below shows the most affordable 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

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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

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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 North Carolina

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

Erie Insurance is another great option for non-owner car insurance in North Carolina, with average rates of $846 per year. It has an AM Best rating of A+ and 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-owners car insurance in North Carolina costs $470. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in North Carolina by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in North Carolina.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average North Carolina non-owner car insurance rates by 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

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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 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	$470
Traditional state minimum policy	$476
State minimum car insurance limits	30/60/25

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What does North Carolina non-owner car insurance cover?

A North Carolina 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 North Carolina. 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 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-owner car insurance in North Carolina costs an average of $470, with State Farm offering the lowest rates. Our analysis found that State Farm 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 North Carolina. 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++.