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

Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner auto insurance in Minnesota costs $257 annually, which is $96 lower than the average nationally, according to a 2023 rate analysis from Insure.com.

In Minnesota, non-owner policies are available from companies such as USAA, Geico and Travelers.

“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.

Learn more about the various requirements, 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 view non-owner policyholders as less risky due to their minimal access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Minnesota, full coverage car insurance costs $1,482.

On the other hand, non-owner car insurance is $353 a year on average in the United States and $257 in Minnesota.

But various factors affect individual rates, such as where in Minnesota you live, your age and driving history and other factors.

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

In Minnesota, Auto-Owners’ non-owner insurance policy is the cheapest at $66 a year.

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

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Minnesota

Cheapest non-owner insurance rates in Minnesota

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 plays an important role in pricing because young people who haven’t been driving for a long time are seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $635 a year for a 16-year-old and $261 for a 45-year-old in Minnesota.

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Minnesota.

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 have different non-owner insurance rates. The cost of non-owner insurance in St. Paul is the most expensive at $392, while Greenbush has the cheapest rates of the largest cities in the state at $211.

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Minnesota is $257 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and Iowa at $193 a year.

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

How to get non-ownercar insurance in Minnesota

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

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 is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are a few insurers with contact 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.

Explore other insurance options in Minnesota

Average car insurance cost in Minnesota

Cheapest homeowners insurance in Minnesota

Average renters insurance cost in Minnesota

Leslie Kasperowicz

Managing Editor

 

 . .

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.