Non-Owner Car Insurance
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Non-Owner Car Insurance — Minnesota

A Minnesota non-owner policy gives you the state's 30/60/10 liability minimum without owning a car, and can file the SR-22 the state requires. It's liability-only coverage that follows you when you drive borrowed, rented, or shared vehicles.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minnesota Non-Owner Liability Requirements

Minnesota requires non-owner policies to carry at least $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage — the same liability floor as standard policies. 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.

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30/60 minimum
Bodily Injury Liability
Covers injury to others when you're at fault. Minnesota's 30/60 minimum means $30,000 per person and $60,000 per accident. A non-owner policy carries this liability floor and follows you into any car you drive — borrowed, rented, or shared — sitting behind the car owner's coverage as secondary protection.
$10,000 minimum
Property Damage Liability
Pays for damage you cause to another person's property. Minnesota requires $10,000 minimum. Non-owner policies include this as part of the liability-only structure, covering property damage in any vehicle you drive but never covering physical damage to the car you're driving, because you own no vehicle.
Required by state law
Uninsured Motorist Coverage
Minnesota mandates uninsured motorist coverage on all policies, including non-owner. It protects you when an at-fault driver has no insurance. Non-owner UM coverage follows you into borrowed or rented cars, layering on top of any UM the car owner carries.
$40,000 per person minimum
Personal Injury Protection (PIP)
Minnesota is a no-fault state under Minn. Stat. § 65B.41–.71, requiring PIP on all policies. Non-owner PIP covers your own medical expenses and lost wages regardless of fault, but only for injuries you sustain — it does not cover damage to the car you're driving, because non-owner policies carry no physical-damage coverage.
3 years for DWI
SR-22 Filing for Non-Owner
Minnesota requires SR-22 filing for DWI, uninsured accident, and certain other violations. A non-owner SR-22 satisfies the state's financial responsibility requirement without owning a car. Among carriers writing non-owner in Minnesota, Dairyland, Geico, Progressive, State Farm, and The General file non-owner SR-22s. The filing period is 3 years for DWI under Minn. Stat. § 4509.45.
State-Mandated Minimum Coverage · Minnesota

Minnesota Minimum Coverage

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

License Reinstatement Fee$30

Meeting the state minimum keeps you legal. See whether it's enough — get your Minnesota quote.

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What Shapes Non-Owner Costs in Minnesota

Non-owner premiums in Minnesota reflect the liability minimum you carry, whether you need an SR-22 filing, and your driving history. A clean-record driver maintaining continuous coverage between cars pays less than a driver filing an SR-22 after a DWI. Carriers that write non-owner in Minnesota — Dairyland, Geico, Progressive, The General, and USAA — price based on the filing requirement and violation history.

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.
Non-Owner Liability Only
30/60/10 min
Lowest-cost bracket. You carry the state minimum, no SR-22, and a clean driving record. Carriers price this as standard liability risk.
Non-Owner With SR-22
3-year filing
Mid-cost bracket. You need an SR-22 for a DWI or other violation. The filing period is 3 years in Minnesota. Fewer carriers write this — Dairyland, Geico, Progressive, State Farm, and The General file non-owner SR-22s.
Non-Owner After Multiple Violations
Non-standard
Highest-cost bracket. Multiple DWIs, suspended license reinstatement, or uninsured accident history. Non-standard carriers price for elevated risk, and SR-22 filing is typically required.

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

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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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.

Find Your City in Minnesota

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Minneapolis

urban
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St. Paul

urban
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Rochester

suburban
Duluth, Minnesota cityscape and street view

Duluth

urban
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Bloomington

suburban
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Brooklyn Park

suburban
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Plymouth

suburban
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Maple Grove

suburban

Frequently Asked Questions

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