Are you looking to borrow a friend's car or rent one for a weekend getaway? Non-owner car insurance can be your saving grace, offering peace of mind while protecting others on the road. But with many options, finding the cheapest non-owner insurance in NC can feel like navigating rush hour traffic. Way will guide you and will be your GPS, steering you toward the right coverage and the most affordable rates.
Also, suppose you have a serious violation, like a DWI or driving without insurance. In that case, it can help you get your license back.
Nationwide has the lowest rates in North Carolina. The average rate for drivers with clean records is $22 per month, and for drivers who were at fault in an accident, the average rate is $34 per month. The business also strikes a good balance between product and price, which makes it the best in the state overall.
Most of the time, rates for drivers with tickets are higher than those with clean records. Regarding North Carolina, the cheapest insurance for people with a violation is $12 less per month than the cheapest insurance for people with a clean record.
The least expensive non-owner car insurance choices for people in North Carolina with clean driving records are:
In North Carolina, the cheapest basic coverage non-owner car insurance plan costs about $22 a month, which is less than the $43 a month national average.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Nationwide | $261 | $22 |
| Progressive | $543 | $45 |
| Kemper | $740 | $62 |
| State Farm | $751 | $63 |
| Allstate | $877 | $73 |
When it comes to North Carolina traffic violations, the cheapest SR-22 insurance choices are:
If you have a DWI or an accident where you were at blame on your record, you may have to file an SR-22, which can increase your insurance costs. In North Carolina, the best non-owner SR-22 insurance costs about $34 a month, much less than the national average of $59.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Nationwide | $406 | $34 |
| Progressive | $733 | $61 |
| Kemper | $979 | $82 |
| State Farm | $1,035 | $86 |
| Allstate | $1,116 | $93 |
In North Carolina, non-owner car insurance protects other people's property and bodies from harm you cause in accidents where you are at fault. It does not, however, cover damage to the car you are driving.
The table below shows the changes between full-coverage and non-owner car insurance.
| Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
| Liability insurance | Yes | Yes |
| Medical payments | Yes | Yes |
| Personal injury protection | Yes | Yes |
| Uninsured/underinsured motorist | Yes | Yes |
| Rental car liability | Yes | Yes |
| Collision | Yes | |
| Comprehensive | Yes |
Non-owner car insurance costs $52 a month on average in North Carolina, $9 more than the national average of $43 a month.
The place where you live does affect your insurance rates, but your age, driving record, and credit background have a bigger effect.
Way looked at many things when judging car insurance companies, such as how affordable they are, how satisfied customers are with JD Power, and how strong a company's finances are, according to AM Best.
You can find the best company for you by reading these short summaries of the top ones.
Nationwide: Way ranks Nationwide as the best North Carolina non-owner car insurance company because it is affordable, and customers are happy with their service.The company gives savings to good students, safe drivers, and people who choose paperless billing, among other ways to save money. Nationwide offers a variety of extra coverages, such as identity theft coverage and a waiver of the total loss deductible. They offer common coverages, such as roadside help and rental car reimbursement.
Progressive: This is our second-best choice for North Carolina non-owner car insurance. This company is financially stable and has many discounts for customers to help them save money on their premiums.
Progressive has an average customer satisfaction score, but there are many ways to save money, including
Progressive also offers special types of coverage, such as coverage for custom parts and equipment, which can be useful for people who have changed things about their cars.
Non-owner car insurance might be a good choice if you drive many cars you don't own or need to get your license back. If you drive one of these types of cars, you can get non-owner car insurance in North Carolina.
Borrowers of cars - A non-owner car insurance policy can give you peace of mind if you take cars from friends or family often. It will cover you if you cause an accident. Non-owner policies provide liability coverage for injuries to third parties and loss to their property.
People who rent cars sometimes - If you only rent cars, non-owner car insurance coverage can be a cheap way to protect yourself financially if someone sues you for damages after an accident.
Drivers between cars - If you don't have a car right now but are actively looking for one, keep your insurance coverage up so your premium doesn't go up when you return to normal coverage. If these things happen, having non-owner car insurance can help you keep your coverage.
People who want to get their license back - If your driver's license has been suspended and you're working to get it back, non-owner car insurance can help you meet the state's insurance standards.
Nationwide has the cheapest non-owner car insurance in North Carolina. Rates start at $22 a month for drivers with good records and go up to $34 a month for drivers who were at fault in an accident. Your rates may differ depending on where you live, your age, credit background, and how well you drive.
We at Way feel that Nationwide and Progressive are the best non-owner car insurance companies in North Carolina because they offer a good mix of quality and price.
The average cost of non-owner car insurance in North Carolina is $52 per month, which is $9 more than the average cost of $43 per month across the country. Remember that your age, credit background, and driving record are more important than where you live regarding insurance rates.
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
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