Nationwide provides the cheapest non-owner car insurance in North Carolina at just $22 monthly — less than half the state average of $52. Explore other affordable options in the table below.
Cheapest Non-Owner Car Insurance in North Carolina
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in North Carolina: Key Takeaways
Nationwide offers the most affordable non-owner car insurance in North Carolina at $22 monthly.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often borrow or rent vehicles or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in North Carolina
| Nationwide | $261 | $22 |
| Progressive | $543 | $45 |
| GEICO | $575 | $48 |
| Kemper | $740 | $62 |
| State Farm | $751 | $63 |
| Allstate | $877 | $73 |
How Much Is Non-Owner Car Insurance in North Carolina?
North Carolina's average monthly non-owner car insurance cost is $52, higher than the national average of $43. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
North Carolina Average Cost
Monthly Premium
$52On average, non-owner car insurance in North Carolina is:$9 more
This is 21% more expensive.
North Carolina Non-Owner Car Insurance: Buyer's Guide
To help drivers determine if non-owner insurance is the right choice, we created a guide outlining key aspects, including cost and coverage differences.
What Is Non-Owner Car Insurance?
Non-owner car insurance is for people who drive but don’t own a car. It covers costs if you cause an accident, including injuries and car damage to others. This plan is more affordable than a standard policy if you don’t drive often. Below, you’ll see how non-owner policies compare to regular ones.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does North Carolina Allow Non-Owner Car Insurance?
North Carolina permits non-owner car insurance for those who drive but don't own a car. Residents can purchase affordable plans and meet minimum coverage requirements.
NORTH CAROLINA MINIMUM INSURANCE REQUIREMENTS
North Carolina's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/underinsured property damage coverage
Sometimes, minimum coverage might not fully protect you. Assess how much coverage you need before purchasing a policy to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in North Carolina?
Non-owner insurance is a good fit if you drive often but don’t own a car. This affordable option covers property damage and injuries to others if you’re at fault in an accident. It’s also ideal for those renting cars or using sharing services.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in North Carolina, as they aren't legitimate. Consider purchasing insurance from a car rental company for safe, temporary coverage, like during a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
You still need coverage when driving someone else's car. Non-owner insurance covers damage or injuries you cause while driving.
Occasional renters
A non-owner policy is an affordable alternative to rental company insurance, covering accidents during car rental periods.
Drivers between cars
Drivers currently without a car but plan to own one again may maintain continuous coverage with non-owner insurance, preventing future premium increases due to coverage gaps.
License reinstatement-seekers
Drivers reinstating their license after a suspension may need proof of insurance. Non-owner insurance can fulfill this requirement without owning a vehicle.
Cheap Non-Owner Car Insurance in North Carolina: Bottom Line
North Carolina drivers can get non-owner car insurance. Nationwide is the most affordable option, followed by Progressive and GEICO. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in North Carolina: FAQ
Get answers to frequently asked questions about non-owner car insurance in North Carolina below.
Which company offers the cheapest non-owner car insurance in North Carolina?
Nationwide offers the cheapest non-owner car insurance in North Carolina at $22 monthly.
How much does non-owners car insurance cost in North Carolina?
Non-owner car insurance in North Carolina costs about $624 annually or $52 monthly.
North Carolina Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled North Carolina auto insurance rates by collecting data from the North Carolina Department of Insurance 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 North Carolina 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
- $25,000 in property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $25,000 uninsured/underinsured property damage coverage
Drivers and Cars in North Carolina
To find the best and most affordable companies for non-owner car insurance in North Carolina, 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.