Non-Owner Car Insurance in Arizona

Travelers offers Arizona's cheapest non-owner policy at $63 per month, which is $42 less than the most expensive option. Five insurers provide non-owner coverage in the state, though not all major carriers offer this type of policy. You'll need to call insurers directly for quotes since most don't have online tools available for non-owner insurance, making it worth the effort to compare rates given the potential savings.

Non-owner insurance costs less than traditional coverage because it's liability-only, meeting Arizona's minimum requirements for property damage and injuries you cause to others. Traditional policies cost more since they include higher liability limits plus comprehensive and collision coverage that protects your own vehicle. This makes non-owner insurance one of the more affordable types of car insurance available.

Across five providers in Arizona, non-owner car insurance averages $79 monthly, which is below the state average of $97 per month or $1,170 annually. This difference shows there's real value in comparing quotes, since actual rates vary based on market data and your individual situation.

Several factors affect non-owner insurance rates in Arizona, though your personal characteristics and choices matter more than state laws:

• Driving history: Your record impacts costs. Drivers with accidents or DUIs both pay around $101 monthly, while those with clean records enjoy much lower rates.
• Driver age and experience: Age plays a major role in premium calculations. Seniors pay the least at $73 monthly, young drivers pay $81, and adults fall in between at $99 per month.
• Coverage limits: Moving beyond minimum requirements increases costs. Basic coverage averages $97 monthly in Arizona, while full coverage with higher limits jumps to $132.
• Choice of insurer: Company selection makes a huge difference. Travelers offers the most affordable option at $63 monthly, while Progressive charges $105 for similar coverage. Shopping around can save you significant money.

If you regularly borrow or rent cars but don't own one yourself, you might need non-owner car insurance in Arizona. This liability coverage works well for people who rent vehicles frequently, borrow from friends or family, or must file an SR-22 without owning a car. The policy meets Arizona's minimum liability requirements of $25,000 for injury or death per person, $50,000 per accident and $15,000 for property damage.

How your coverage works depends on whether you're borrowing or renting a vehicle. The policy covers injuries and property damage you cause to others, but it won't pay for damage to the car you're driving. When you borrow someone's car, your non-owner policy provides liability coverage for accidents you cause. When renting a car, it also provides liability coverage, though you might need additional rental insurance for comprehensive protection.

Non-owner car insurance meets Arizona's financial responsibility requirements and works for drivers who need SR-22 filings. The state recognizes it as legitimate liability coverage, making it a valid option for drivers without vehicles. You'll find it harder to locate since not every insurer offers non-owner policies, but it's completely legal in Arizona.

Getting this coverage requires calling insurance companies directly or working with an agent since online quotes aren't available for non-owner policies. The specialized nature of these policies means you won't see them as options on insurer websites. MoneyGeek found average rates and phone numbers for insurers who offer policies in Arizona.

Non-owner insurance helps drivers who regularly borrow or rent cars but don't own vehicles. It's most useful for maintaining continuous coverage or meeting Arizona's license reinstatement requirements.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage. A non-owner policy at $32 monthly pays for itself after just two rental days and provides consistent protection across every rental.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, their insurance covers accidents you cause, but their rates go up. Your non-owner policy pays claims first, protecting their premiums from increases.
• License reinstatement: Arizona won't reinstate suspended licenses without proof of insurance. A non-owner policy meets this requirement even when you don't own a vehicle.
• Avoiding coverage gaps: Planning to buy a car later? Coverage gaps raise future premiums 20% to 40%. Non-owner insurance keeps your record clean and prevents rate increases.

A non-owner policy isn't appropriate for those who:

• Own a vehicle (standard auto policies are required)
  Drive infrequently (occasional trips don't justify the cost)
  Have access to household vehicle insurance (get added to that policy instead)
  Need coverage for a single trip (rental company insurance works better for one-time needs)

Arizona drivers often ask these questions about non-owner car insurance:

MoneyGeek gathered Arizona auto insurance rates from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We analyzed 240 car insurance quotes from five providers and determined the state's most affordable and best options.

Coverage Levels

We evaluated non-owner car insurance rates from companies in Arizona at minimum coverage levels. Arizona's minimum coverage consists of:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $15,000 for property damage liability per accident

Drivers and Cars in Arizona

We used a standardized driver profile having these characteristics to identify the most affordable and best companies for non-owner car insurance in Arizona:

• 40-year-old male
• Clean driving record
• Good credit history

Learn more about MoneyGeek's car insurance methodology.