Auto-Owners offers Minnesota's most affordable non-owner car insurance for those with a good driving history at just $19 monthly. This rate is less than the state average of $33. Use the table below to compare other affordable options.
Cheapest Non-Owner Car Insurance in Minnesota
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Minnesota: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 car insurance for those with a driving incident in Minnesota, with an average monthly cost of $26.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is for those who often borrow or rent cars or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Minnesota
| Auto-Owners | $228 | $19 |
| State Farm | $398 | $33 |
| GEICO | $498 | $41 |
| Travelers | $542 | $45 |
Cheapest Non-Owner SR-22 Car Insurance in Minnesota
Auto-Owners offers Minnesota's most affordable SR-22 non-owner policy at just $26 monthly, below the state average of $49 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $310 | $26 |
| State Farm | $449 | $37 |
| Travelers | $754 | $63 |
| GEICO | $857 | $71 |
How Much Is Non-Owner Car Insurance in Minnesota?
Minnesota's average monthly non-owner car insurance cost is $33, less than the national average of $43. SR-22 insurance averages $49, just above the national average of $48. Your rate may vary based on your driving history and other personal details.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Minnesota Average Cost
Monthly Premium
$33Non-owner car insurance in Minnesota is cheap:$10 saved
This is 23% less expensive.
Minnesota Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is the right choice by explaining its features, comparing it to standard policies, detailing costs and highlighting who benefits most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance might be right for you. It covers damage and injuries you might cause to others while driving. It helps you stay insured and meet the state's minimum coverage requirements. Check out how it compares to regular policies below.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Minnesota Allow Non-Owner Car Insurance?
Minnesota residents can get non-owner car insurance, which is useful for those who drive but don’t own a car. It’s also available for those who need to file an SR-22 after a driving infraction.
MINNESOTA MINIMUM INSURANCE REQUIREMENTS
Minnesota's minimum coverage requirements apply to non-owner car insurance. The limits are:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $40,000 personal injury protection (PIP) per person
While these minimums are a starting point, costs can quickly exceed these amounts in serious incidents. Consider how much coverage you need before purchasing a policy.
Should You Get Non-Owner Car Insurance in Minnesota?
Non-owner car insurance is a great option for people who don’t own a car but drive occasionally. If you frequently rent cars or use a friend's vehicle, this affordable coverage offers peace of mind without the cost of car ownership.
AVOID ONE-DAY CAR INSURANCE
Beware of "one-day insurance" offers in Minnesota, as these are illegitimate and may indicate fraud. Consider purchasing insurance through a car rental company for safer temporary coverage, especially for short-term purposes like moving or a road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers those who don’t own a vehicle for any damage they might cause while driving a borrowed car.
Occasional renters
Non-owner car insurance offers financial protection without the need for repetitive rental insurance purchases, potentially saving money over time.
Drivers between cars
Drivers between cars maintain continuous insurance with non-owner policies, avoiding coverage lapses that could raise premiums when purchasing a new vehicle later.
License reinstatement-seekers
Drivers looking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility is a form your insurer files with your DMV to prove you have the necessary insurance. If you've had a violation like a DUI or driving without insurance, you might need an SR-22 to drive legally.
Cheap Non-Owner Car Insurance in Minnesota: Bottom Line
Minnesota provides non-owner car insurance, even for drivers needing SR-22 forms. The most affordable option is Auto-Owners, followed by State Farm and GEICO. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Minnesota: FAQ
Get answers to frequently asked questions about non-owner car insurance in Minnesota below.
Which company offers the cheapest non-owner car insurance in Minnesota?
Auto-Owners offers the cheapest non-owner car insurance in Minnesota at $19 per month. It also has the lowest SR-22 rate, starting at $26.
How much does non-owners car insurance cost in Minnesota?
In Minnesota, non-owner car insurance costs around $397 annually or $33 monthly. For those requiring SR-22 certification, the price increases to about $592 annually or $49 monthly.
Minnesota Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Minnesota auto insurance rates by collecting data from the Minnesota Department of Commerce and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Minnesota using minimum coverage policies. The state-required minimum coverage includes:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $40,000 personal injury protection (PIP) per person
Drivers and Cars in Minnesota
To find the best and most affordable companies for non-owner car insurance in Minnesota, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.