Non-Owner Car Insurance — Minnesota
Minnesota requires 30/60/10 liability coverage and is a no-fault state.
Free to compare
Minnesota at a Glance
30/60/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$30
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minnesota Non-Owner Liability Requirements
The state also mandates PIP (no-fault) and uninsured motorist coverage. For drivers whose license status requires an SR-22 filing, a non-owner policy satisfies the requirement without owning a car.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
SR-22 Filing for Non-Owner
What Shapes Non-Owner Costs in Minnesota
$19–$29/mo
Typical monthly rate in Minnesota, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Minnesota's 30/60/10 liability minimum sets the base cost floor for any non-owner policy in the state.
- SR-22 filing requirement adds both a one-time filing fee and a premium increase tied to the underlying violation — DWI, uninsured accident, or suspended license.
- PIP and uninsured motorist mandates raise Minnesota non-owner premiums compared to states without no-fault requirements.
- Driving history: a clean record qualifies for standard pricing; a DWI or multiple violations push you into non-standard carriers like Dairyland or The General.
- Coverage limits above the state minimum — raising bodily injury to 50/100 or 100/300 — increase premium but provide more protection when you're at fault.
- Carrier availability: only five carriers write non-owner SR-22 in Minnesota, so comparison shopping is limited for the compliance segment.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Limited license (work permit)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What does non-owner car insurance cover in Minnesota?
A Minnesota non-owner policy covers bodily injury and property damage liability when you drive a car you don't own, carrying at least the state's 30/60/10 minimum. It also includes PIP and uninsured motorist coverage, as required by Minnesota law. It does not cover physical damage to the car you're driving — collision and comprehensive are excluded because you own no vehicle.
Can I get an SR-22 without owning a car in Minnesota?
Yes. A non-owner SR-22 policy satisfies Minnesota's financial responsibility requirement after a DWI, uninsured accident, or suspended license without owning a car. The filing period is 3 years for DWI under Minn. Stat. § 4509.45. Dairyland, Geico, Progressive, State Farm, and The General file non-owner SR-22s in Minnesota.
Which carriers write non-owner insurance in Minnesota?
Dairyland, Geico, Progressive, The General, and USAA write non-owner policies in Minnesota. Among these, Dairyland, Geico, Progressive, State Farm, and The General also file non-owner SR-22s for drivers who need a filing. Carrier availability is limited compared to standard auto, so comparing quotes from all five is essential.
How much does non-owner insurance cost in Minnesota?
Cost depends on whether you need an SR-22 filing, your driving history, and the coverage limits you choose. A clean-record driver carrying the 30/60/10 minimum pays less than a driver filing an SR-22 after a DWI. Non-standard carriers like Dairyland and The General price higher for violation history. Individual rates vary based on available industry data; compare carriers that write non-owner in Minnesota.
How long do I need to keep a non-owner SR-22 in Minnesota?
Minnesota requires SR-22 filing for 3 years after a DWI conviction, measured from the conviction date. The filing must remain continuous — any lapse restarts the 3-year period. Your carrier reports the filing to the Minnesota Department of Public Safety, Driver and Vehicle Services (DVS), and notifies DVS if the policy cancels.
Can I use non-owner insurance for a rental car in Minnesota?
Yes. A non-owner policy covers liability when you drive a rental car in Minnesota, sitting behind the rental company's coverage as secondary protection. It does not cover physical damage to the rental car itself — you would need the rental company's collision damage waiver for that, because non-owner policies carry no physical-damage coverage.
Coverage Types
Non-Owner Liability Insurance
Covers bodily injury and property damage you cause while driving a car you don't own. Secondary to the car owner's policy. Includes Minnesota's required PIP and uninsured motorist coverage.
Non-Owner SR-22 Insurance
A non-owner policy that files the SR-22 certificate Minnesota requires after a DWI, uninsured accident, or suspended license. The filing proves continuous liability coverage without owning a car.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance. Minnesota mandates UM on all policies, including non-owner. Covers your injuries and, in some cases, property damage.
Non-Standard Auto Insurance
Coverage for drivers with violations, suspended licenses, or DWI history. Non-standard carriers specialize in high-risk profiles and file SR-22s when required.