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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

CompanyAverage annual premium
Auto-Owners$66
State Farm$200
USAA$218
Geico$230
Travelers$410

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

AgeMaleFemale
16$650$619
17$544$524
18$470$458
19$417$407
20$376$374
21$342$339
22$321$321
23$303$308
24$291$299
25$272$297
30$262$273
35$260$272
40$257$270
45$254$267
50$249$263
55$246$258
60$248$258
65$250$260
70$262$271
75$280$289

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

Cities in MinnesotaLowest non-owner car insurance rates
Greenbush$211
Angle Inlet$214
Badger$214
Oak Island$214
Salol$214
Warroad$214
Karlstad$215
Strathcona$215
Humboldt$216
Kennedy$216
Lake Bronson$216
Roosevelt$216
Roseau$216
Wannaska$216
Williams$216
Baudette$217
Donaldson$217
Lancaster$217
Strandquist$217
Ada$218

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

Cities in MinnesotaHighest non-owner car insurance rates
Brooklyn Center$395
St. Paul$392
Minneapolis$382
Brooklyn Park$371
Columbia Heights$368
New Hope$362
Roseville$358
Maplewood$357
Norwood$356
Fridley$349
Richfield$347
West St. Paul$344
Robbinsdale$339
South St. Paul$337
New Brighton$335
Coon Rapids$334
Oakdale$331
Golden Valley$329
Champlin$328
Vadnais Heights$327

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

10 largest cities in MinnesotaNon-owner car rates
St. Paul$392
Minneapolis$382
Brooklyn Park$371
Blaine$327
Bloomington$319
Woodbury$317
Plymouth$306
Lakeville$295
Rochester$256
Duluth$240

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

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

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.