Non-owner car insurance in North Dakota costs $220 a year, which is $133 lower than the U.S. average, according to an Insure.com 2023 rate analysis.

In North Dakota, non-owner policies are available from companies such as State Farm, Auto-Owners and American Family.

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“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in North Dakota.

How much does non-owner auto insurance cost in North Dakota?

Non-owner insurance is usually less expensive than full coverage car insurance—insurers consider non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 per year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $1,295 in North Dakota.

Meanwhile, non-owner auto insurance costs $353 a year on average in the United States and $220 in North Dakota.

But actual rates are based on where in North Dakota you live, your age and driving history and other points.

Which insurer offers the cheapest non-owner insurance rates in North Dakota?

In North Dakota, USAA’s non-owner insurance policy is the cheapest at $73 a year.

At $417 a year, Farmers charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in North Dakota

Note that USAA only offers coverage to military members, veterans and their families.

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How much is non-owner car insurance in North Dakota by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually lower than those of younger drivers. On average, North Dakota non-owner insurance costs $225 a year for a 45-year-old, while it’s $965 for a 16-year-old driver.

Average non-owner car insurance rates in North Dakota by age and gender

Which North Dakota cities have the cheapest non-owner auto insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below show which cities in North Dakota have the lowest and highest non-owner car insurance rates.

The 20 North Dakota cities with the lowest non-owner auto insurance rates

The 20 North Dakota cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in North Dakota’s 10 biggest cities?

The largest cities in North Dakota have different non-owner insurance rates. The cost of non-owner insurance in Minot is the most expensive at $247. Jamestown has the least expensive rates of the state’s most populous cities at $209.

Non-owner car rates in North Dakota’s 10 largest cities

How non-owner insurance rates in North Dakota compare to rates in other states

Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in North Dakota is $220 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

Non-owner car insurance rates in the 10 most populous states

How to get non-ownercar insurance in North Dakota

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are some insurance companies with contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.