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

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

Auto-Owners has the cheapest non-owner car insurance in North Dakota, with average annual rates of $153. GEICO is the second-cheapest option at $169 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 North Dakota.

Company	Average annual premium	Average monthly premium
Auto-Owners	$153	$13
GEICO	$169	$14
State Farm	$198	$17
North Star Mutual	$221	$18
American Family	$539	$45
Nodak Insurance	$589	$49
Progressive	$600	$50

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

The best non-owner car insurance companies in North Dakota 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 North Dakota, 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 Dakota.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Auto-Owners	$153	654	0.44	A+	4.64
State Farm	$198	664	0.87	A+	4.32
GEICO	$169	641	0.60	A++	4.14
American Family	$539	660	0.67	A	3.59
Progressive	$600	637	0.60	A+	2.98

Read our methodology

Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in North Dakota.

Auto-Owners

Our top choice for non-owner car insurance in North Dakota is Auto-Owners, with an average rate of $153 for liability coverage. Auto-Owners holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.44.

State Farm

Another excellent choice for non-owner car insurance in North Dakota is State Farm. Average rates are $198 annually. State Farm has an AM Best rating of A+ and an NAIC complaint ratio of 0.87.

GEICO

Our third recommendation is GEICO, with average rates of $169. It has an NAIC complaint ratio of 0.60 and holds an AM Best rating of A++.

PEOPLE ASK:

Do I need North Dakota 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 Dakota

The average cost of non-owner car insurance in North Dakota is $353 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 North Dakota?

Age and gender significantly impact non-owner car insurance rates in North Dakota, 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 North Dakota by age and gender.

Age group	Male	Female
Teens (16-19)	$933	$795
Young Adults (20-24)	$512	$498
Adults (25-60)	$344	$353
Seniors (65-75)	$347	$345

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Do you need non-owner car insurance in North Dakota?

Drivers in North Dakota may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

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 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 Dakota 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.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$353
Traditional state minimum policy	$564
State minimum car insurance limits	25/50/25

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What does North Dakota non-owner car insurance cover?

Non-owner car insurance in North Dakota 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 North Dakota

North Dakota 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 Dakota costs an average of $353, 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.

Shop around to find the best North Dakota non-owner car insurance available. Use the tool above to compare non-owner insurers 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 North Dakota

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

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

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

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

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.