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Non-owner car insurance in North Dakota is $220 annually, according to a 2023 rate analysis by Insure.com, which is $160 lower than the national average.

In North Dakota, these policies are available from companies such as State Farm, Auto-Owners and American Family.

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 Dakota.

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

It’s usually less expensive to buy a non-owner insurance policy than typical car insurance because insurance companies consider non-owner policyholders less risky due to their limited access to a vehicle.

On average in the U.S., it’s $1,682 a year for a 100/300/100 full coverage insurance policy for drivers with a clean driving record and good credit score. 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. In North Dakota, the cost is $1,295.

On the other hand, non-owner auto insurance costs $220 in North Dakota and $380 on average in the United States.

But various factors affect individual 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 North Dakota?

North Dakota’s least expensive non-owner insurance policy is offered by USAA at $73 a year.

At $417, Farmers Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in North Dakota are listed below.

Cheapest non-owner insurance rates in North Dakota

CompanyAverage annual premium
USAA$73
Geico$87
State Farm$101
Auto-Owners$102
American Family$300

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

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

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be caught up in an accident. Their rates are generally lower than those of younger drivers. North Dakota non-owner insurance costs, on average, $225 a year for a 45-year-old, whereas it’s $965 for a 16-year-old driver.

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

AgeMaleFemale
16$970$959
17$761$748
18$662$657
19$412$407
20$372$367
21$290$285
22$274$272
23$260$261
24$250$254
25$240$256
30$229$241
35$224$239
40$220$237
45$217$233
50$212$224
55$208$218
60$209$216
65$224$230
70$236$238
75$255$247

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

It’s common for rates to vary greatly from ZIP code to ZIP code. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

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

The 20 North Dakota cities with the lowest non-owner car insurance rates

Cities in North DakotaLowest non-owner car insurance rates
Jamestown$209
Cayuga$210
Havana$210
Kulm$210
Lehr$210
Lidgerwood$210
Milnor$210
Zeeland$210
Cogswell$211
Forman$211
Rutland$211
Stirum$211
Wishek$211
Wyndmere$211
Alsen$212
Ashley$212
Barney$212
Calvin$212
Forbes$212
Fort Ransom$212

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

Cities in North DakotaHighest non-owner car insurance rates
Minot$247
Burlington$243
Minot AFB$241
Surrey$241
Grand Forks$240
Fargo$239
Williston$239
Bismarck$238
West Fargo$238
Ray$237
Epping$236
Trenton$236
Zahl$236
Emerado$233
Glenburn$233
Thompson$233
Grenora$232
Cannon Ball$231
Tokio$230
Wildrose$230

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

The largest cities in North Dakota can have rates that are significantly different. The non-owner insurance cost in Minot is the most expensive at $247. Jamestown has the least expensive rates among the largest cities in the state at $209.

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

10 largest cities in North DakotaNon-owner car rates
Minot$247
Grand Forks$240
Fargo$239
Williston$239
Bismarck$238
West Fargo$238
Dickinson$230
Mandan$230
Wahpeton$219
Jamestown$209

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

From state to state, the rates for non-owner auto insurance can also differ. North Dakota’s average non-owner insurance rate is $220; lower 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 it’s 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 Dakota

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 a car 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 insurance policy, you’ll need to call your insurer rather than get an online quote.

“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 a few insurance companies 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.