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Non-owner auto insurance in North Carolina costs $470 per year, which is $145 more than the rest of the country on average, according to a rate analysis by Insure.com.

In North Carolina, non-owner policies are available from companies such as State Farm, North Carolina Farm Bureau and Nationwide.

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.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in North Carolina.

Key Takeaways

  • The average non-owner car insurance cost in North Carolina is $39 per month for a 40-year-old male with a good driving record.
  • Car insurance rates vary by age. For instance, a 16-year-old male in North Carolina pays an average of $586 for non-owner car insurance, whereas a 25-year-old male pays $494 a year for the same coverage.
  • State Farm offers most affordable rates for non-owner car insurance in North Carolina at $285.

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

Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $1,895 per year 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. In North Carolina, full coverage car insurance costs $1,741.

Alternatively, non-owner car insurance is $325 a year on average in the U.S. and $470 in North Carolina.

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

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

In North Carolina, State Farm’s non-owner insurance policy is the cheapest at $285 a year.

At $846 a year, Erie Insurance charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in North Carolina

CompanyAverage annual premium
State Farm$285
North Carolina Farm Bureau$324
Nationwide$440
Utica National Insurance Group$468
Farmers$504
Progressive$504
Geico$569
Allstate$641
Erie Insurance$846

Note that USAA only offers coverage to military members, veterans and their families.

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

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, North Carolina non-owner insurance costs $470 a year for a 45-year-old, while it’s $586 for a 16-year-old driver.

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

AgeRates for male driversRates for female drivers
16$586$586
17$609$609
18$586$585
19$673$665
20$643$638
21$556$556
22$543$543
23$517$518
24$511$519
25$492$496
30$474$474
35$470$477
40$466$473
45$466$475
50$465$473
55$471$471
60$474$474
65$477$477
70$485$484
75$498$497

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

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

The tables below display 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

CityNon-owner car insurance rates
Hays$396
Traphill$396
Thurmond$398
Elkin$400
Union Grove$400
Ferguson$401
Jonesville$401
Siloam$401
Boonville$402
State Road$402
Millers Creek$402
North Wilkesboro$403
Moravian Falls$403
Olin$405
Ennice$405
Marble$405
Hiddenite$406
Purlear$406
Roaring River$406
Ronda$406

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

CityNon-owner car insurance rates
Newell$650
Cumberland$592
Spring Lake$588
Bunnlevel$587
Hope Mills$586
Bessemer City$583
Raeford$582
Dallas$582
Fort Bragg$575
Pope Army Airfield$575
Knightdale$574
Rex$572
Proctorville$572
Marietta$572
Barnesville$572
Gastonia$568
Orrum$564
Lumber Bridge$563
Rennert$562
Parkton$560

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

The largest cities in North Carolina have different non-owner insurance rates. The cost of non-owner insurance in Fayetteville is the highest at $559. Winston-Salem has the least expensive rates of the largest cities in the state at $457.

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

10 largest citiesNon-owner car insurance rates
Fayetteville$559
Charlotte$555
Concord$537
Wilmington$530
Raleigh$517
Greensboro$516
Durham$504
High Point$502
Cary$476
Winston-Salem$457

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in North Carolina is $470 a year, which is higher than the national average of $325.

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

StateAverage annual premium
California$299
Florida$545
Georgia$312
Illinois$279
Michigan$513
New York$421
North Carolina$470
Ohio$214
Pennsylvania$263
Texas$447
National Average$325

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner auto insurance in North Carolina

Your driver’s license number and a credit or debit card are all you 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. Here are a few car insurance companies with their 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.

expert

What our expert says

Q: Does a non-owner policy cover damage to your car?

expert-image
Golnoush GoharzadPersonal injury attorney, California.
These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Frequently asked questions

Who needs non-owner car insurance in North Carolina?

Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.

Is non-owner car insurance available to everyone?

Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.

Can I get non-owner car insurance if I live with someone who owns a car?

If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.

What is the difference between non-owner and standard car insurance?

Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.

How much is car insurance in other states

Alabama$380/Year
Alaska$260/Year
Arizona$396/Year
Arkansas$266/Year
California$299/Year
Colorado$282/Year
Connecticut$395/Year
Delaware$344/Year
Florida$545/Year
Georgia$312/Year
Hawaii$395/Year
Idaho$187/Year
Illinois$279/Year
Indiana$259/Year
Iowa$153/Year
Kansas$274/Year
Kentucky$375/Year
Louisiana$330/Year
Maine$238/Year
Maryland$438/Year
Massachusetts$445/Year
Michigan$513/Year
Minnesota$302/Year
Mississippi$321/Year
Missouri$358/Year
Montana$299/Year
Nebraska$186/Year
Nevada$346/Year
New Hampshire$318/Year
New Jersey$459/Year
New Mexico$293/Year
New York$421/Year
North Dakota$209/Year
Ohio$214/Year
Oklahoma$242/Year
Oregon$441/Year
Pennsylvania$263/Year
Rhode Island$518/Year
South Dakota$170/Year
Tennessee$363/Year
Texas$447/Year
Utah$444/Year
Vermont$296/Year
Virginia$290/Year
Washington$349/Year
West Virginia$367/Year
Wisconsin$230/Year
Wyoming$215/Year
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Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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