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

On average, the cost of non-owner car insurance in Arkansas is $396 per year. GEICO, which has an average rate of $160 per year, is the cheapest option in the state. Our comprehensive guide can help you learn more about how non-owner car insurance works in Arkansas.

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Last Updated: 8/15/2022

Arkansas drivers who frequently rent cars or use car-sharing services and those in need of proof of insurance to get their driver’s license reinstated may find non-owner car insurance a good option.

The average cost of non-owner car insurance in Arkansas for drivers with a clean driving record is $396 per year. Those with a serious driving violation, such as a DUI, would pay an average of $523 annually.

MoneyGeek analyzed the average costs of non-owner car insurance to help find the best option for you and explained when to get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Arkansas

In comparison, non-owner car insurance in Arkansas is cheaper than a standard car insurance policy. You could save more money by shopping around and comparing prices between companies.

Based on MoneyGeek’s study, the cheapest widely available non-owner car insurance companies in the state are:

  • GEICO: $160 per year
  • Farmers: $433 per year

USAA is the second most affordable option in the state, costing around $208 annually. However, these policies are only available to members of the military.

The most expensive option for Arkansas drivers is Nationwide, which has an average rate of $669 per year.

These rates are for a 40-year-old driver with non-owner car insurance in Arkansas with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Arkansas

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $160
    $13
  • USAA
    $208
    $17
  • Farmers
    $433
    $36
  • Progressive
    $510
    $43
  • Nationwide
    $669
    $56
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How Much Is Non-Owner Car Insurance in Arkansas?

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The average cost of non-owner car insurance in Arkansas across all insurance providers is $396 per year, $267 cheaper than the $663 average annual cost of a traditional car insurance policy.

A severe driving violation could cause a significant increase in non-owner car insurance costs in Arkansas. For instance, drivers with DUI could pay an average of $523 per year for non-owner car insurance. Drivers with a DUI that have full coverage car insurance pay an average of $1,197.

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

After a serious traffic violation, you will have to file an SR-22 for license reinstatement. Additionally, proof of insurance is necessary if you have SR-22 in Arkansas. If you do not own a car, non-owner SR-22 may be the most affordable option to get your license reinstated.

The cheapest widely available non-owner car insurance providers for Arkansas drivers with a DUI are, on average:

  • GEICO: $379 per year
  • Farmers: $606 per year

For drivers with a military background, USAA is the most affordable option, costing an average annual rate of $346. Nationwide has the most expensive average rate at $669 per year.

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

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $346
    $29
  • GEICO
    $379
    $32
  • Farmers
    $606
    $51
  • Progressive
    $617
    $51
  • Nationwide
    $669
    $56
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Arkansas?

Non-owner car insurance, also known as non-owner liability insurance, is the best option for drivers who need insurance but do not own a car. Generally, it includes liability coverage and other basic insurance coverages required in the state of Arkansas.

Additionally, you can opt to buy uninsured or underinsured motorist coverage for more protection. Remember that non-owner car insurance in Arkansas does not include comprehensive and collision insurance, also known as full coverage.

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In Arkansas, non-owner car insurance has to meet the minimum coverage requirements, which include:

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

Who Should Get Non-Owner Car Insurance in Arkansas?

Non-owner car insurance in Arkansas is the best option for you if:

  • You need insurance for license reinstatement. Your license may be suspended if you commit a serious traffic violation in Arkansas. To reinstate it, you need to submit proof of insurance. Non-owner car insurance is the cheapest option as it costs less than a regular car insurance policy.
  • You frequently rent cars or use car-sharing services. Non-owner car insurance in Arkansas covers at-fault accidents while you’re driving a rented or borrowed car. This policy includes liability coverage that will pay for third-party bodily injuries and property damage.
  • You temporarily do not have a car but want to maintain coverage to avoid a lapse. Arkansas drivers who currently do not own a vehicle but want to prevent insurance lapses may find that non-owner car insurance is the most affordable option.

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

There are instances when non-owner car insurance in Arkansas is not necessary. For example, if you live in Little Rock and borrow a friend’s car, your friend’s car insurance policy should cover you if you get their permission to drive their vehicle.

If you do not rent a car often, you do not need to purchase non-owner car insurance. If you travel outside Arkansas infrequently and use a rental car to do so, the insurance from the rental company is enough.

How to Get Non-Owner Car Insurance in Arkansas

MoneyGeek confirmed that all auto insurance providers on this page offer non-owner car insurance in Arkansas. However, non-owner car insurance quotes are not typically available online. If you want to get one, it is best to call insurance providers for a quote. You can check out the contact information below for the various insurance companies offering non-owner policies in Arkansas.

Contact Non-Owner Car Insurance Companies in Arkansas
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • Farmers
    888-327-6335
  • Progressive
    888-671-4405
  • Nationwide
    877-669-6877

Frequently Asked Questions About Arkansas Non-Owner Car Insurance

It is important to note that non-owner car insurance is different from a regular car insurance policy. To help you better understand non-drivers insurance in Arkansas, MoneyGeek answered some of the most frequently asked questions.

Methodology

MoneyGeek, in collaboration with Quadrant Information Services, collected non-owner car insurance quotes across Arkansas. For this study, MoneyGeek analyzed policies for a 40-year-old driver with both a clean driving record and a DUI. These policies are compliant with the minimum car insurance requirements in Arkansas, 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 for regular car insurance policies have the same limits as above.