Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a North Dakota driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $17 a month in North Dakota for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $209 per year—lower than liability-only coverage of $370 for North Dakota drivers.
- Geico offers the cheapest non-owner car insurance rates in North Dakota at an average cost of $9 per month.
Do I need non-owner car insurance in North Dakota?
Non-owner car insurance in North Dakota is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in North Dakota
Non-owner car insurance costs $17 a month or $209 per year in North Dakota for coverage limits of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in North Dakota
CarInsurance.com’s analysis shows that Geico offers the most affordable non-owner car insurance rates in North Dakota, at $9 per month. Other insurers like State Farm and Auto-Owners also offer affordable premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
See the cheapest companies for non-owner car insurance in North Dakota in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $105 | $9 |
| State Farm | $109 | $9 |
| Auto-Owners | $112 | $9 |
| Nodak Insurance | $128 | $11 |
| American Family | $141 | $12 |
| North Star Mutual | $181 | $15 |
| Nationwide | $342 | $29 |
| Progressive | $367 | $31 |
| Farmers | $529 | $44 |
| USAA* | $80 | $7 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in North Dakota, by age and gender
Non-owner car insurance costs in North Dakota can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $547 a month, while adding a 16-year-old female might increase your monthly cost by $345 .
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in North Dakota.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $383 | $334 |
| Young Adults (20-24) | $274 | $280 |
| Adults (25-60) | $206 | $217 |
| Seniors (65-75) | $226 | $217 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest North Dakota cities
In Jamestown non-owner auto insurance costs $16 per month or $197 annually, while drivers in Wahpeton pay $17 monthly for the same coverage.
In North Dakota, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in North Dakota generally pay higher insurance premiums, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Jamestown | $197 | $16 |
| Wahpeton | $206 | $17 |
| Dickinson | $220 | $18 |
| Mandan | $227 | $19 |
| Williston | $229 | $19 |
| West Fargo | $230 | $19 |
| Fargo | $231 | $19 |
| Bismarck | $232 | $19 |
| Grand Forks | $232 | $19 |
| Minot | $239 | $20 |
Affordable non-owner insurance in North Dakota, by ZIP code
A North Dakota driver aged 40 living in ZIP code 58405 pays $197 annually or $16 monthly for non-owner car insurance, while a 40-year-old in ZIP code 58401 with a clean driving record pays $197 per year or $16 per month.
When should you consider buying non-owner car insurance in North Dakota?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in North Dakota
Non-owner car insurance is an excellent choice in North Dakota if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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