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Where can I get a cheap non-owners policy in North Carolina?

I am just about to get a driver's license in North Carolina. I will be using my friend's car for a few weeks and need to get my own insurance. Where can I buy a non-owners policy?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
North Carolina is a little different than most other states. In North Carolina, you need to get insurance before you can get a standard driver’s license. If you don’t own a car yet, getting
non-owners car insurance
 is an excellent solution.
  • The average cost annual cost for non-owners insurance in North Carolina is around $400 if you have a clean driving record—although it can be a lot higher if you have a history of traffic violations
  • You can get
    car insurance quotes online
     from many carriers for a non-owners policy, or you can contact a
    local broker
    .
When you choose a policy, make sure it meets
North Carolina’s minimum insurance requirements
: $30,000 bodily injury liability per person $60,000 bodily injury liability per accident $25,000 property damage liability per accident
Keep in mind that this type of policy follows the driver—not the car. If you borrow a friend’s car and are in an accident, their policy will pay out first. Then your non-owners policy will handle potential overages.
MORE:
How to save on your North Carolina insurance costs
State LawsNorth CarolinaNon Owner Car InsuranceNon-OwnerCar Insurance
View full answer 
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