Question 1

What does non-owner car insurance cover in Minnesota?

Accepted Answer

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.

Question 2

Can I get an SR-22 without owning a car in Minnesota?

Accepted Answer

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.

Question 3

Which carriers write non-owner insurance in Minnesota?

Accepted Answer

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.

Question 4

How much does non-owner insurance cost in Minnesota?

Accepted Answer

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.

Question 5

Does Minnesota require PIP on non-owner policies?

Accepted Answer

Yes. Minnesota is a no-fault state under Minn. Stat. § 65B.41–.71, requiring PIP on all policies, including non-owner. The minimum is $40,000 per person. Non-owner PIP covers your own medical expenses and lost wages regardless of fault, but does not cover damage to the car you're driving.

Question 6

How long do I need to keep a non-owner SR-22 in Minnesota?

Accepted Answer

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.

Question 7

Can I use non-owner insurance for a rental car in Minnesota?

Accepted Answer

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	Minimum
Bodily Injury (per person)	$30,000
Bodily Injury (per accident)	$60,000
Property Damage	$10,000

Non-Owner Car Insurance — Minnesota

Minnesota Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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