Cheapest and Best Non-Owner Car Insurance in North Carolina (2024)

Non-owner car insurance is a valuable type of coverage for individuals who frequently drive cars but do not own one, such as those who borrow or rent cars. It can also help you reinstate your driver’s license if you have a severe violation on your record, such as DWI or driving without insurance.

In North Carolina, Nationwide is the cheapest provider, with an average rate of $22 per month for drivers with clean records and $34 per month for those with an at-fault accident. The company also offers a good balance of quality and affordability, making it the best provider overall in the state.

In North Carolina, the most affordable non-owner car insurance is available with minimum coverage from the following insurers:

• Drivers with clean records: Nationwide ($22 per month)
• Drivers with an at-fault accident: Nationwide: ($34 per month)

Rates for drivers with violations are typically higher than rates for those with clean records. In North Carolina, there is an average difference of $12 per month between the cheapest insurer for drivers with a violation and the cheapest insurer for those with a clean driving history.

For North Carolina residents with clean driving records, the most affordable non-owner car insurance options are:

• Nationwide: $22 per month
• Progressive: $45 per month

The cheapest minimum coverage non-owner car insurance policy in North Carolina costs around $22 per month, which is lower than the national average of $43 per month.

For North Carolina drivers violations, the most affordable SR-22 insurance options are:

• Nationwide: $34 per month
• Progressive: $61 per month

If you have a driving offense such as a DWI or at-fault accident on your record, you might be required to file an SR-22, which can lead to higher insurance costs. The cheapest non-owner SR-22 insurance in North Carolina costs around $34 per month, which is significantly lower than the national average of $59 per month.

Non-owner auto insurance in North Carolina offers financial protection for property damage and bodily injury caused to others in accidents where you are at fault. However, it does not cover damages to the vehicle you are driving.

To understand the differences between non-owner car insurance and a full coverage policy, refer to the table below.

In North Carolina, the average monthly cost of non-owner car insurance is $52, which is $9 higher than the national average of $43 per month.

While location influences insurance rates, factors such as your age, driving history and credit history have a bigger impact on insurance costs.

Based on MoneyGeek's study, the best North Carolina non-owner car insurance companies are:

• Nationwide: MoneyGeek score of 79 out of 100 ($22 per month)
• Progressive: MoneyGeek score of 64 out of 100 ($45 per month)
• GEICO: MoneyGeek score of 60 out of 100 ($48 per month)

MoneyGeek considers various factors when evaluating car insurance companies, including J.D. Power customer satisfaction ratings, financial strength ratings from AM Best and affordability. The brief overviews of the top companies below will help you find the best fit for you.

If you often drive cars that you don't own, or if you need to reinstate your driver's license, non-owner car insurance may be a great fit for you. Here are some types of drivers that may benefit from getting a non-owner car insurance policy in North Carolina.

To help you find the most suitable non-owner car insurance coverage in North Carolina for your needs, we have compiled answers to some frequently asked questions.