Non-owner car insurance in Minnesota: Which company has the cheapest rates?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner car insurance in Minnesota is $257 annually, which is $123 lower than the national average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Minnesota, such as USAA, Geico and Travelers, for example.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Minnesota.

How much does non-owner car insurance cost in Minnesota?

Insurance companies regard non-owner policyholders as less of a risk due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than regular car insurance.

On average, in the U.S., it costs $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This applies to drivers with a good credit score and a clean driving record. In Minnesota, it’s $1,482.

On the other hand, non-owner car insurance costs $257 in Minnesota and $380 on average in the U.S. by comparison.

There are various criteria that affect your rates, such as how old you are, your chosen insurance company and your driving history.

Which insurer offers the cheapest non-owner insurance rates in Minnesota?

With an average annual cost of $66, Auto-Owners’ non-owner insurance policy is Minnesota’s most affordable.

At $416, American Family charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Minnesota’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Minnesota

You should note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Minnesota by age?

Age is also important when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Minnesota, a 45-year-old will pay $261 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $635 on average.

Average non-owner auto insurance rates in Minnesota by age and gender

Which Minnesota cities have the cheapest non-owner car insurance?

From city to city, there’s a lot of variation in rates. Insurers set rates based on factors such as theft, collisions and vandalism in different U.S. cities.

Below are charts showing which cities in Minnesota have the lowest and highest non-owner car insurance rates.

The 20 Minnesota cities with the lowest non-owner auto insurance rates

The 20 Minnesota cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Minnesota’s 10 biggest cities?

The largest cities in Minnesota sometimes have significantly different non-owner insurance rates. The non-owner insurance rate in St. Paul is the most expensive at $392 a year, while Duluth has the least expensive rates among the largest cities in the state at $240.

Non-owner auto insurance rates in Minnesota’s 10 largest cities

How non-owner insurance rates in Minnesota compare to rates in other states

The rates for non-owner auto insurance will vary from state to state. The average non-owner insurance rate in Minnesota is $257, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

Non-owner car insurance rates in the 10 most populous states

How to get non-owner car insurance in Minnesota

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting its website.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can]  shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are some insurers with their phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.