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

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

Data updated in 2024

Read our methodology

Best non-owner car insurance in North Carolina

Although State Farm came out on top, Erie Insurance and Nationwide are also excellent choices for providing 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.

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

Data updated in 2024

Read our methodology

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 choice is Nationwide, with an average rate of $440. It has an NAIC complaint ratio of 0.64 and an AM Best 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

Data updated in 2024

Read our methodology

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.

Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup 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

Data updated in 2024

Read our methodology

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

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.

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.

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.

Expert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

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++.