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Non-OwnerCar InsuranceArkansasCheapest and Best Non-Owner Car Insurance in Arkansas (2023)
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Drivers who do not own a vehicle but need liability protection on the road may purchase non-owner car insurance. This form of insurance benefits drivers who borrow cars frequently or need to avoid a gap in their auto insurance coverage. It may also aid drivers with violations on their record, such as DUIs, to reinstate their suspended or revoked licenses.
Auto-Owners emerged as Arkansas’ cheapest company for non-owner car insurance. It is also our top pick for the best overall provider that balances quality service and affordability. State Farm offers the lowest average rates for drivers looking for non-owner car insurance after a violation.
Non-OwnerCar InsuranceArkansasTable of Contents
Cheapest With a Clean Record - Auto-Owners Insurance
Cheapest With an Offense - State Farm
Best Overall - Auto-Owners Insurance
Cheapest Non-Owner Car Insurance in Arkansas
MoneyGeek determined that Auto-Owners and State Farm are Arkansas’ two cheapest providers of non-owner car insurance.
- Drivers with clean records: Auto-Owners ($22 per month)
- Drivers with violations: State Farm ($27 per month)
Our study found that your non-owner premiums increase after a traffic infraction. A driver with a recent violation on their record will generally incur an additional cost of $5 per month compared to those with a clean driving record in Arkansas.
Cheapest Non-Owner Car Insurance With a Clean Driving Record in Arkansas
Auto-Owners and State Farm are Arkansas’ lowest-priced non-owner car insurance providers for drivers with a clean record.
- Auto-Owners: $22 per month
- State Farm: $24 per month
You may opt for a policy from USAA if you are an active or retired military veteran. Plans from this insurer are the cheapest in the state at $18 monthly on average.
The average cost of non-owner insurance in Arkansas is $30, which is lower than the national average of $43, meaning that non-owner insurance in Arkansas is typically cheaper than in most other states. Remember that insurance rates differ significantly between drivers based on their location, driving record and desired coverage options.
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ARKANSAS MINIMUM INSURANCE REQUIREMENTS
The minimum coverage limits in Arkansas for traditional car insurance also apply to non-owner policies. These minimum coverage limits include the following:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability
Despite meeting the state’s minimum requirements, these limits may not fit every driver’s specific coverage needs. We recommend that you evaluate how much coverage you require by using our car insurance coverage estimator. Having this in hand will ensure you have adequate protection on the road.
Cheapest Non-Owner SR-22 Car Insurance in Arkansas
Arkansas drivers seeking a budget-friendly non-owner car insurance policy after a violation will find the lowest average prices with the following insurers:
- State Farm: $27 per month
- Auto-Owners: $33 per month
USAA offers the lowest average monthly rate of $25 for non-owners SR-22 insurance in Arkansas. However, these policies are only available to current and former military community members.
Arkansas drivers may need to file an SR-22 form as proof of insurance if they have a severe traffic violation, such as a DUI or an at-fault accident. These types of infractions tend to increase your rates significantly. If you do not own a car, obtaining a non-owner SR-22 insurance policy is the best way to access coverage after a conviction.
Insurance rates vary based on many factors, including the severity of your traffic infraction. The average monthly cost of non-owner SR-22 insurance from the cheapest insurer in Arkansas is lower than the national average by $32.
WHAT IS SR-22 INSURANCE?
Most people misunderstand an SR-22 as a type of car insurance. An SR-22 is a form used to verify that your coverage meets the minimum limits that Arkansas requires. The form proves your financial responsibility, and you must purchase it to reinstate your driving privileges after a severe traffic offense. You can only file it to the Arkansas Department of Motor Vehicles through your insurer.
What Is Non-Owner Car Insurance?
Non-owner car insurance is a type of insurance for Arkansas drivers who do not have a vehicle. This insurance provides liability coverage to such drivers while on the road, covering property damage and bodily injury costs for third parties in case of an at-fault accident.
Non-owner auto insurance does not cover personal injuries and damages to the car you’re driving. Some insurance companies in Arkansas will allow you to purchase additional coverage for your non-owner insurance based on your unique needs. Refer to the following table to compare coverage differences between a full coverage standard policy and a non-owner car insurance policy.
Policy Coverage | Full Coverage | Non-Owner |
|---|---|---|
Liability insurance |  | |
Medical payments | | |
Personal injury protection | | |
Uninsured/underinsured motorist | | |
Rental car liability | | |
Collision | | |
Comprehensive | |
Average Cost of Non-Owner Car Insurance in Arkansas
The average cost of auto insurance for drivers in Arkansas without cars is $30 per month, lower than the national average of $43. Location is one contributing factor to the variation in costs. However, other aspects of your driving profile may profoundly impact rates, including your age, coverage amount and driving record.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43Arkansas Average Cost
Monthly Premium
$30On average, non-owner car insurance in Arkansas is:$13 saved
This is 30% less expensive.
Best Non-Owner Car Insurance in Arkansas
The companies offering the overall best non-owner car insurance coverage in Arkansas are:
- Auto-Owners: MoneyGeek score 75 out of 100 ($22 per month)
- State Farm: MoneyGeek score 70 out of 100 ($24 per month)
- GEICO: MoneyGeek score 70 out of 100 ($25 per month)
MoneyGeek's rankings of insurers in Arkansas consider several critical factors, including affordability, financial stability ratings from AM Best and J.D. Power's customer satisfaction scores. By reviewing our highlights of the three leading providers, you will be better able to choose the best provider for your needs.
Auto-Owners Insurance
Auto-Owners is a reputable choice for non-owner car insurance in Arkansas, providing competitive rates, exceptional customer service and several options for discounts and add-ons. With an A++ rating from AM Best, the insurer has a reputation for meeting its financial responsibility when paying your claims. The company provides excellent customer service, evidenced by its ratings from J.D. Power.
At Auto-Owners, you will find several beneficial discounts, including bundling discounts, anti-theft system discounts, airbag discounts and multiple car discounts. Unfortunately, Auto-Owners’ quotes are not accessible online, meaning you may need to contact a representative directly to obtain one.
State Farm
State Farm received an A++ rating from AM Best, indicating its reliable ability to pay out claims. The insurer ranks highly in customer satisfaction but receives slightly higher than average rates of customer complaints.
Potential customers may obtain real-time quotes from State Farm’s website. The company offers multiple discounts, such as multiple cars, airbags, anti-theft systems and bundling discounts. Also available are standard add-on coverage options like roadside assistance, although other popular and unique coverages like OEM (Original Equipment Manufacturer) are unavailable.
GEICO
GEICO provides affordable coverage and has an A++ financial rating from AM Best, indicating reliable and trustworthy coverage. One unique coverage from the insurer is mechanical breakdown insurance, which ensures more savings than the standard dealer-extended warranty if your vehicle needs repairs.
GEICO’s high rating stems from its various discounts, including deals for bundling and good students. Although the insurer receives more complaints than average, its cost-friendliness and customer satisfaction scores place this company at the top of our rankings.
Should You Get Non-Owner Car Insurance in Arkansas?
Insurers offer non-owner car insurance for drivers who need coverage while on the road but do not own a car. These policies protect customers from bodily injury and property damage liabilities after an accident, offering peace of mind to the policyholders. You may need non-owners auto insurance in Arkansas if you fit any of the following categories of drivers:
Who Should Consider Non-Owner Car Insurance?
Car borrowers
If you often borrow cars from friends or family members for various reasons, having a non-owner car insurance policy can protect you while on the road. These policies cover costs for property damages and bodily injury up to your policy limits after you are involved in an accident.
Occasional renters
Although rental companies offer auto insurance policies, these may be expensive and fail to provide sufficient liability protection. Non-owner car insurance offers a cheaper alternative for liability coverage if you rent a car for a trip, vacation or other short-term use.
Drivers between cars
If you sell your car or do not need continuous coverage, a non-owner insurance policy may help you eliminate gaps in your coverage. Insurers may charge more for coverage if your driving history has a lapse, so opting for continuous coverage can save you money on your premium.
License reinstatement seekers
Purchasing non-owner auto insurance is vital if you file an SR-22 form to reinstate your suspended license. This form demonstrates your financial responsibility. With this coverage, it becomes possible to prove to the state that you are ready to handle potential liabilities while on the road.
ONE-DAY CAR INSURANCE
When shopping around for non-owner car insurance for a rental car, take caution regarding companies that claim to provide "one-day insurance" policies. These plans are often scams and may not qualify as temporary car insurance in Arkansas.
To purchase temporary car insurance in Arkansas, the best place to start is with your car rental company. Take time to evaluate your options before making payment for a policy.
Frequently Asked Questions About Non-Owner Car Insurance in Arkansas
Identifying the best non-owner car insurance in Arkansas may be challenging. Here are answers to some commonly asked questions to help you find the best option for your needs.
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