Key Takeaways
In Minnesota, non-owner car insurance protects drivers who don't own a car but need coverage while driving. It covers if you hurt someone or damage someone else's property while driving a borrowed or rented car. It does not, however, cover injuries you got or damage to the car you drove. Non-owner car insurance is a cheap way to meet state insurance standards even if you don't own a car.
The average monthly cost of car insurance for people who don't own a car in Minnesota is $33. This rate is much less than the average monthly rate across the country, which is $43.
It's important to know that your car's age, the make and model, your driving record, and the amount of coverage you choose can all have a big effect on your car insurance rates, no matter where you live.
Auto-Owners has the cheapest non-owner car insurance plans in Minnesota. People who have never been in a road accident or have a clean record pay the least at this company.
Your premiums may increase if you have a serious traffic offense on your record. Auto owners cost drivers with a traffic ticket an extra $7 a month on average for non-owner policies. Keep in mind that your insurance rates may change based on your situation.
If you have a clean driving record, Auto-Owners and State Farm have Minnesota's best average non-owner insurance rates.
People in the military community should think about USAA because it works hard to help veterans and active-duty people. The average monthly rate for non-owner insurance from this company is only $27.Non-owner insurance from Minnesota's cheapest companies costs just $26 a month, much less than the $43 average cost nationwide.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $234 | $25 |
| State Farm | $404 | $39 |
| Travelers | $548 | $51 |
Auto-Owners and State Farm offer cheaper SR-22-friendly car insurance for non-owners in Minnesota with past violations. USAA is a trusted choice for military personnel, with competitive rates. SR-22 filings may require filing, and the cheapest SR-22 non-owner car insurance companies in Minnesota charge an average of $32 a month, significantly lower than the national average.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $316 | $32 |
| State Farm | $455 | $43 |
| Travelers | $760 | $69 |
These are Minnesota's best non-owner car insurance companies : Auto-Owners: it costs $25 a month.
State Farm: The monthly payment is $39.
You must talk to an agent on the phone or in-person to buy non-owner car insurance. You can't get quotes from every insurance company online, including those that don't offer non-owner plans.
You will need a credit or debit card and driver's license number to buy non-owner insurance. So you can get the best quote, it's also helpful to have a list of your driving records, including tickets, accidents, and times your license was suspended. Most of the time, you can get proof of insurance the same day, and as soon as your payment goes through, you're covered. It might not be as easy to find non-owner insurance as standard policies, but all Minnesota insurance companies offer it.
Non-owner car insurance in Minnesota is a good option for some people who don't own a car but drive sometimes. People in this profile are drivers who rent cars or borrow cars from others. Non-owner car insurance gives you protection and peace of mind when you can't get regular car insurance.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
In Minnesota, non-owner car insurance is a good choice for some people who drive but don't own a car. People in this group rent or borrow cars from other people a lot. If you can't get regular car insurance, non-owner car insurance protects you and gives you peace of mind.
Many people in Minnesota get non-owner car insurance from Auto-Owners and State Farm. Auto owners have an average monthly premium of $19. On the other hand, State Farm has an average monthly premium of $33. Minnesota drivers seeking non-owner car insurance can get good rates and coverage from these companies.
In Minnesota, non-owner car insurance prices depend on your company, the amount of coverage you need, and your situation. Non-owner car insurance in Minnesota costs about $39 a month on average. The average monthly rate across the country is $49.
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