Non-Owner Car Insurance in Arizona: The Cheapest Options and What You Need to Know

In Arizona, non-owner car insurance costs $639 per year on average, but rates vary between insurers. State Farm is the most affordable provider in the state at an average of $394 annually. MoneyGeek’s guide can help you learn more about non-owner car insurance in Arizona.

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Last Updated: 3/5/2022
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Drivers who frequently rent cars or use car-sharing services in Arizona may find non-owner car insurance is a good option. Additionally, it’s recommended for drivers who need proof of insurance when applying to get their driver’s license reinstated.

For drivers with clean driving records in Arizona, a non-owner car insurance policy costs an average of $639 annually. Meanwhile, drivers with a serious violation, such as a DUI, pay an average of $997 per year for the same policy.

MoneyGeek analyzed various non-owner car insurance companies in Arizona to help you find the cheapest car insurance policies. We ranked insurers by cost and evaluated various types of drivers who may benefit from non-owner car insurance.

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Cheapest Non-Owner Car Insurance Companies in Arizona

On average, non-owner car insurance is more affordable than regular car insurance. You can shop around and compare quotes from various car insurance providers to save more money.

MoneyGeek’s study reveals that, on average, these insurance companies offer the cheapest widely available non-owner car insurance in Arizona:

  • State Farm: $394 per year
  • Travelers: $426 per year

USAA provides Arizona’s cheapest non-owner car insurance at an average rate of $362 per year, but it’s only available for drivers with military backgrounds.

With an average annual premium of $1,249, MetLife offers the most expensive non-owner car insurance in Arizona.

The quotes in this guide are for a 40-year-old driver with a non-owner car insurance policy in Arizona with the limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Arizona

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $362
    $30
  • State Farm
    $394
    $33
  • Travelers
    $426
    $36
  • GEICO
    $482
    $40
  • Progressive
    $517
    $43
  • Farmers
    $718
    $60
  • Nationwide
    $966
    $81
  • MetLife
    $1,249
    $104
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How Much Is Non-Owner Car Insurance in Arizona?

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Non-owner car insurance policies across Arizona cost $639 per year on average. Despite this, it is still $183 cheaper than regular car insurance, which has an average annual cost of $822.

If you have a driving violation in your record, you’ll also see a significant cost difference between non-owner and regular car insurance. In Arizona, non-owner car insurance for a driver with a DUI costs $997 on average, while traditional car insurance for a driver with a DUI costs $1,251 on average.

Cheapest SR-22 Non-Owner Car Insurance Companies in Arizona

If you need to file an SR-22 to have your driver’s license reinstated, a non-owner car insurance policy is your most affordable option. An SR-22 in Arizona is typically filed after committing a serious driving violation like a DUI.

To help you find cheap non-owner car insurance in Arizona, MoneyGeek determined that, on average, the cheapest widely available insurers in the state are:

  • State Farm: $394 per year
  • Travelers: $566 per year

MetLife provides the most expensive non-owner SR-22 car insurance in Arizona at an average of $2,635 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Arizona

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $394
    $33
  • Travelers
    $566
    $47
  • Progressive
    $593
    $49
  • USAA
    $853
    $71
  • Nationwide
    $966
    $81
  • GEICO
    $968
    $81
  • Farmers
    $1,004
    $84
  • MetLife
    $2,635
    $220
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What Is Non-Owner Car Insurance in Arizona?

Drivers in Arizona who need car insurance but don’t own a car may consider purchasing non-owner car insurance, also called non-owner liability insurance. This insurance includes liability coverage and the state’s minimum required coverage limits.

For added security, drivers buying a non-owner liability car insurance policy in Arizona can add uninsured or underinsured motorist coverage. Unlike full coverage insurance, non-owner car insurance doesn’t have comprehensive and collision coverages.

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A non-owner car insurance policy in Arizona still needs to meet the state’s required minimum coverage levels, including:

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

Who Should Get Non-Owner Car Insurance in Arizona?

MoneyGeek compiled a list of driver types who may find non-owner car insurance ideal for their needs.

  • Drivers who need to have their license reinstated. If you’re applying to get your driver’s license reinstated, you’re required to submit proof of insurance. Non-owner car insurance is ideal for that since it’s cheaper than regular insurance.
  • Drivers who frequently rent cars or use car-sharing services. A non-owner car insurance policy offers you financial protection if you’re driving a rented or borrowed car. It’s a cheaper option compared to regular car insurance.
  • Drivers who temporarily don’t have a car but want to maintain insurance to avoid a lapse. If you want to avoid an insurance lapse but currently don’t have a car, your cheapest option in Arizona is non-owner car insurance.

Who Shouldn’t Get Non-Owner Car Insurance in Arizona?

If you’re borrowing someone’s car, you don’t need to have non-owner car insurance. For example, if you’re a Phoenix resident and borrowed a friend’s car, your friend’s insurance policy covers you if they permit you to drive.

It’s also unnecessary to have a non-owner car insurance policy if you rarely rent cars. If you only rent cars for infrequent trips outside of Arizona, the rental car’s insurance could suffice.

How to Get Non-Owner Car Insurance in Arizona

MoneyGeek confirmed that all insurers in this guide offer non-owner car insurance. Since quotes are unavailable online, the best way to obtain non-owner car insurance policy prices is by calling insurance companies directly.

We compiled a list of companies in Arizona that offer non-owner car insurance. You can ask for a quote from these insurance companies using the phone numbers listed below.

Contact Non-Owner Car Insurance Companies in Arizona
  • Company
    Contact Number
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Travelers
    866-248-9970
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About Arizona Non-Owner Car Insurance

Non-owner car insurance is different from regular car insurance, but many drivers still find these policies confusing. MoneyGeek answered some of the frequently asked questions about non-owner car insurance to help you understand it better.

Methodology

MoneyGeek, in collaboration with Quadrant Information Services, gathered non-owner car insurance quotes from insurers in Arizona. The policies listed are for a 40-year-old driver with either a safe driving record or a DUI. These policies are compliant with Arizona’s minimum car insurance requirements, except for liability insurance policies, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for regular car insurance have the same limits as above.