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

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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconNon-OwnerCar InsuranceArizona

Why Trust MoneyGeek? MoneyGeek sourced Arizona data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

576Plans Analyzed
8Providers Compared

Cheapest Non-Owner 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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Arizona

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

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.

Auto-Owners Insurance CoCheapest Annual Premium$342Cheapest Monthly Premium$28
TravelersCheapest Annual Premium$403Cheapest Monthly Premium$34
State FarmCheapest Annual Premium$421Cheapest Monthly Premium$35
GEICOCheapest Annual Premium$550Cheapest Monthly Premium$46
ProgressiveCheapest Annual Premium$604Cheapest Monthly Premium$50
FarmersCheapest Annual Premium$639Cheapest Monthly Premium$53
NationwideCheapest Annual Premium$931Cheapest Monthly Premium$78
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Non-owner car insurance in Arizona must meet the state's minimum coverage requirements, which include:

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

Although these coverage limits satisfy the legal minimum set by the state, it's essential to consider that they might not provide sufficient protection for all drivers. We advise you to carefully assess your personal coverage needs before committing to a non-owner car insurance policy to ensure that you'll receive adequate financial security in case of an accident.

Cheapest Non-Owner SR-22 Car Insurance in Arizona

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

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.

State FarmCheapest Annual Premium$483Cheapest Monthly Premium$40
TravelersCheapest Annual Premium$483Cheapest Monthly Premium$40
Auto-Owners Insurance CoCheapest Annual Premium$488Cheapest Monthly Premium$41
GEICOCheapest Annual Premium$798Cheapest Monthly Premium$67
ProgressiveCheapest Annual Premium$847Cheapest Monthly Premium$71
FarmersCheapest Annual Premium$983Cheapest Monthly Premium$82
NationwideCheapest Annual Premium$1,215Cheapest Monthly Premium$101
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Contrary to popular belief, an SR-22 is not a form of insurance but rather a document filed by an insurer as evidence that a driver has the necessary insurance coverage mandated by their state. Typically, drivers involved in specific traffic violations or at-fault accidents are required to file an SR-22 form.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Arizona

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Arizona Average Cost

Monthly Premium

On average, non-owner car insurance in Arizona is:$1 more

This is 2% more expensive.

Best Non-Owner Car Insurance in Arizona

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.

MoneyGeek Top Pick

With Auto-Owners, Arizona residents can benefit from both exceptionally affordable rates and a wide range of coverage options, making it the ideal choice for non-owner car insurance. Auto-Owners offers various discount opportunities which can further reduce your insurance premiums. You can get discounts by bundling insurance policies, insuring multiple vehicles and maintaining a clean driving record. Students with good academic records may also qualify for a discount.

Read the full Auto-Owners review.


Travelers distinguishes itself from its competitors by offering a wide range of coverage options, exhibiting strong financial stability and providing competitive pricing to its policyholders. However, its claims handling may not be on par with other companies.

Travelers helps customers save on their insurance through various discount opportunities. Some commonly-offered discounts include bundling multiple insurance policies, insuring multiple vehicles, being a safe driver and opting for paperless billing. Travelers also provides unique savings opportunities for drivers of hybrid cars, loyal customers and homeowners.

Read the full Travelers review.

Third Place
State Farm

State Farm offers inexpensive premiums and is renowned for its top-notch customer experience. However, its selection of add-on coverages is limited. Policyholders can significantly lower their premiums by taking advantage of State Farm's numerous discounts. You can save when you insure multiple cars, bundle policies, maintain a clean driving record for at least three years and drive a vehicle with safety features like anti-lock braking systems or daytime running lamps.

Read the full State Farm review.

Should You Get Non-Owner Car Insurance in Arizona?

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.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is cost-effective for individuals who frequently borrow cars. It offers liability coverage, ensuring financial protection in case of accidents. Non-owner car insurance provides peace of mind and affordability, eliminating the need for a full coverage plan when you do not own a vehicle.

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    Occasional renters

    Those who occasionally rent cars can benefit from having non-owner car insurance, which protects them against property damage and bodily injury liability in the event of an at-fault accident. Compared to a traditional car insurance policy, non-owner car insurance is a less expensive option that still provides liability coverage.

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    Drivers between cars

    By having non-owners car insurance, you can avoid higher insurance premiums caused by a lapse in coverage history. If you have recently sold your vehicle or do not plan on driving for an extended period, this type of insurance allows you to maintain continuous coverage and keeps you from facing more expensive car insurance when you decide to obtain regular coverage again.

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    License reinstatement seekers

    You may be required to have non-owner car insurance and submit an SR-22 form to reinstate your driver's license after a suspension or revocation. The SR-22 form serves as proof of insurance and is crucial for restoring driving privileges.

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We strongly advise against considering providers that advertise "one-day insurance" as it may not be a legitimate insurance product and could potentially be a scam. We recommend obtaining insurance directly from the rental car company if you only need coverage for a brief period. Fortunately, there are several options for securing short-term coverage in Arizona to ensure that your temporary insurance needs are covered, like for a move or a road trip.

Frequently Asked Questions About Non-Owner Car Insurance in Arizona

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

Which company offers the cheapest non-owner car insurance in Arizona?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Arizona?
How much does non-owner car insurance cost in Arizona?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.