Cheapest and Best Non-Owner Car Insurance in Arizona (2024)

Non-owner car insurance in Arizona provides auto liability coverage for individuals who do not own a vehicle but still require protection while driving. This type of insurance is valuable for those who frequently borrow vehicles, use rental cars or need continuous coverage despite not owning a vehicle themselves. Additionally, purchasing non-owner car insurance can assist drivers with violations like DUIs in reinstating their driver's licenses.

MoneyGeek's research reveals that Auto-Owners offers the cheapest non-owner car insurance in Arizona. It is also the best insurer, offering a combination of affordability and high-quality service. Even after a violation, Auto-Owners is the most affordable option for non-owner SR-22 car insurance in Arizona.

These insurers offer the most affordable non-owner car insurance policies for Arizona drivers:

• Drivers with clean records: Auto-Owners ($28 per month)
• Drivers with violations: State Farm ($40 per month)

You should expect to pay higher premiums for non-owner car insurance if you have committed a driving offense. Our research revealed that the least expensive insurer for drivers with violations charges an extra $12 per month compared to the most affordable option for drivers with clean records.

Arizona drivers with clean records will find the cheapest non-owner auto insurance from the following companies:

• Auto-Owners: $28 per month
• Travelers: $34 per month

Another affordable option for non-owner car insurance in Arizona is USAA, which costs approximately $32 per month. However, USAA's policies are exclusively available to veterans, active military personnel and their families. On average, non-owner car insurance policies in Arizona cost around $44 per month — only $1 more than the national average of $43 per month.

The insurance providers that offer the most affordable non-owner car insurance for Arizona drivers with violations on their records are:

• State Farm: $40 per month
• Travelers: $40 per month

Ranking fourth on our list, USAA is another solid option for military-affiliated drivers, with low-cost SR-22 coverage costing approximately $45.

If you have a driving offense like a DUI or at-fault accident on your record, you may be required to file an SR-22, resulting in higher insurance costs. In Arizona, the cheapest non-owner SR-22 insurance option is priced at $40 per month, which is $19 cheaper than the national average of $59.

Non-owner car insurance in Arizona offers liability-only coverage for individuals who drive but don’t own a vehicle. It protects against bodily injuries and property damage for which the driver may be held liable in an accident. However, it does not provide comprehensive and collision coverage for your personal injuries or damages to your vehicle.

This policy type is particularly beneficial for rental car users, those who borrow cars from friends and drivers seeking to avoid rate hikes after a lapse in regular auto insurance coverage. Browse the table below to learn how non-owner car insurance differs from a full coverage policy in terms of coverage.

Non-owner car insurance in Arizona usually costs $44 per month, slightly exceeding the national average of $43 per month for car insurance.

While your location influences the cost of car insurance, other variables such as your age, driving record, coverage limits and the type of vehicle you drive can have a more significant impact on your premiums.

The top three non-owner car insurance providers in Arizona are:

• Auto-Owners: MoneyGeek score 82 out of 100 ($28 per month)
• Travelers: MoneyGeek score 74 out of 100 ($34 per month)
• State Farm: MoneyGeek score 73 out of 100 ($35 per month)

MoneyGeek's rankings considered various factors, including affordability, customer service data from J.D. Power and financial stability ratings from AM Best to assess insurance providers comprehensively. By reviewing our detailed reviews of these three companies, you can make an informed decision in selecting the best provider for you.

Non-owner car insurance is a suitable option for those who do not own a vehicle but frequently drive rental cars, borrow vehicles or need continuous insurance coverage. It can also be a requirement for individuals with a suspended or revoked driver's license.

MoneyGeek responded to some common inquiries regarding non-owner car insurance in Arizona.