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Non-owner car insurance in North Carolina costs $926 annually, according to a 2023 rate analysis by Insure.com, which is $546 more than the national average.

In North Carolina, these policies are available from companies such as Farmers Insurance, Nationwide and State Farm.

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 know what non-owner insurance is, which companies offer it and how much it costs in North Carolina.

How much does non-owner auto insurance cost in North Carolina?

Non-owner insurance is usually less expensive than typical car insurance—insurance companies consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the United States, it costs $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 property damage— for drivers with a clean driving record and good credit score. It is $1,324 in North Carolina.

On the other hand, non-owner auto insurance costs $380 on average in the U.S. and $926 in North Carolina.

But various factors affect individual rates, such as where in North Carolina you live, which insurer you purchase from as well as your age and driving history.

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

With an average annual cost of $283, Kemper Insurance’s non-owner insurance policy is North Carolina’s most affordable.

At $1,676 a year, Progressive 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 identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in North Carolina

Cheapest non-owner insurance rates in North Carolina

CompanyAverage annual premium
Kemper Insurance$283
National General Insurance$377
Farmers Insurance$419
Nationwide$967
State Farm$1,016

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

Older drivers have been driving on the road for longer than younger, inexperienced drivers and are less likely to be caught up in an accident. Their rates are usually lower than those of younger drivers. North Carolina non-owner insurance costs, on average, $911 a year for a 45-year-old, whereas it’s $1,231 for a 16-year-old driver.

Average non-owner auto insurance rates in North Carolina by age 

AgeRate
16$1,231
17$1,202
18$1,115
19$1,134
20$1,116
21$1,077
22$1,059
23$1,045
24$1,025
25$994
30$954
35$935
40$926
45$911
50$913
55$907
60$913
65$937
70$989
75$1,035

Which North Carolina cities have the cheapest non-owner car insurance?

From ZIP code to ZIP code, rates can be very different. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States.

Below are tables displaying the cities in North Carolina that have the least and most expensive non-owner auto insurance rates.

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

Cities in North CarolinaLowest non-owner car insurance rates
Burnsville$807
Crumpler$807
Grassy Creek$807
Bakersville$808
Cove Creek$808
Green Mountain$808
Jefferson$808
Lansing$808
Spruce Pine$808
Vilas$808
Creston$809
Elk Park$809
Fleetwood$809
Warrensville$809
West Jefferson$809
Zionville$809
Banner Elk$810
Blowing Rock$811
Deep Gap$811
Newland$811

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

Cities in North CarolinaHighest non-owner car insurance rates
Newell$1,482
Bessemer City$1,321
Dallas$1,319
Charlotte$1,286
Gastonia$1,285
Cumberland$1,279
Fort Bragg$1,272
Spring Lake$1,270
Pope Army Airfield$1,268
Hope Mills$1,262
Bunnlevel$1,258
Raeford$1,255
Fayetteville$1,249
Knightdale$1,237
Paw Creek$1,229
Pineville$1,223
McAdenville$1,210
Mount Holly$1,210
Lowell$1,209
Cramerton$1,208

How much is non-owner auto insurance in North Carolina’s 10 biggest cities?

The most populous cities in North Carolina sometimes have significantly different non-owner insurance rates. The non-owner insurance price in Charlotte is the most expensive at $1,286. Winston-Salem has the cheapest rates among the state’s most populous cities at $950.

Non-owner car rates in North Carolina’s 10 largest cities

10 largest cities in North CarolinaNon-owner car rates
Charlotte$1,286
Fayetteville$1,249
Concord$1,147
Wilmington$1,109
Raleigh$1,107
Greensboro$1,082
Durham$1,049
High Point$1,049
Cary$974
Winston-Salem$950

How non-owner insurance rates in North Carolina compare to rates in other states

From state to state, the rates for non-owner car insurance can also differ. North Carolina’s average non-owner insurance rate is $926; more than the $380 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Next up is Iowa at $193 annually.

Non-owner auto 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 North Carolina

To get a non-owner policy, you need your driver’s license number 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 quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some 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.