Non-Owner Car Insurance in Minnesota
Numbers refreshed
Liability protection for Minnesota drivers who don't own a car.
- The average monthly owner liability cost is $49.
- The minimum liability limits are 30/60/10.
- The cost ranking is 31st of 51, with the most expensive state ranked 1st.
Who non-owner insurance suits
- Often, you drive borrowed or rented cars, but you don't own one.
- Proof of insurance is what the state or a court asks you for, and there's no car for you to insure.
- You want to prevent a gap in coverage between cars because it can raise your next price.
Coverage details
A non-owner policy provides liability coverage only. This policy must meet 30/60/10, the minimum limits for Minnesota.
If you cause a crash in a borrowed car, the policy pays other people. The policy doesn't repair the car you're driving, and the owner's policy usually pays first.
Policy costs
No official average exists for non-owner policies. For car owners in Minnesota, average liability coverage costs $586 a year. Non-owner policies usually cost less because your driveway doesn't hold a car every day.
First written