Cheapest Non-Owner Car Insurance In Arizona 2024

Non-owner car insurance costs around $374 per year. It is a policy tailored for individuals who frequently rent or borrow vehicles. In Arizona, such policies provide liability coverage that satisfies the state’s minimum legal requirements. This insurance is particularly beneficial for those who don’t own a car but still drive occasionally, ensuring they have the necessary liability coverage as mandated by Arizona law.

With 15 years as a licensed insurance agent and over 35 years as a policyholder, I’ve dealt with most of the insurers mentioned in this article. They’re all solid options, but each offers unique benefits for Arizonians.

What Is Non-Owner Car Insurance?

If you often drive cars that aren’t yours—be it rentals or vehicles borrowed from friends or family—non-owner car insurance might be a wise option for you.

This insurance primarily provides liability coverage. If you’re responsible for an accident while driving someone else’s vehicle, your non-owner policy can cover the medical and repair costs for the other party involved.

Some insurance providers might also include options like uninsured/underinsured motorist protection and personal injury protection.

However, it’s essential to understand that non-owner insurance usually excludes comprehensive or collision coverage. Therefore, damage to the vehicle you’re driving may not be covered.

For those who frequently rent or borrow cars, non-owner car insurance can be advantageous. It adds an extra layer of security on top of the coverage the vehicle’s owner already has.

Often, it can be more affordable than consistently purchasing insurance from a rental company.

Additionally, holding a non-owner policy helps maintain continuous insurance coverage, which may lead to lower premiums if you decide to purchase a vehicle in the future.

Average Cost Of Non-Owner Car Insurance In Arizona

Understanding non-owner car insurance can be quite challenging due to the many providers and their different rates. It’s essential to make a well-informed decision to fully grasp the cost implications of your choice.

To assist you, we’ve created a comparison chart that presents the average costs of non-owner car insurance from five top providers.

How Much Is Non-Owner Car Insurance In Arizona – By Age?

Similar to the rates for full coverage car insurance, non-owner car insurance tends to be highest for teenagers, decreasing progressively each year until age 55.

Below are sample rates for non-owner car insurance in Arizona based on ten different age groups.

What Is SR-22 Insurance?

An SR-22 is technically a document, not an insurance policy, required by most state DMVs for “high-risk” insurance policies regarding vehicle liability.

This form, filed by your insurance company, serves as proof that you meet the minimum required liability insurance coverage for your state.

It is typically mandated for drivers who have had their licenses suspended due to traffic violations, DUIs, or other serious offenses.

The SR-22 form functions as a certificate of financial responsibility, indicating that the driver has purchased the necessary auto liability insurance coverage. Its primary purpose is to confirm that an individual is maintaining their required liability coverage.

This document is often mandated by state law or a court order, particularly for high-risk drivers. The insurance company is responsible for filing this form with the state, and they must notify the state if the policy ever lapses.

Average Cost Of Non Owner Car Insurance In Arizona Cities

Provided are sample fees for five minor Arizona cities.

How Much Is Non-Owner Car Insurance In Arizona’s 10 Biggest Cities?

The population density of a city affects car insurance rates, with larger cities and heavier traffic resulting in increased premiums.

How Non-Owner Insurance Rates In Arizona Compare To Rates In Other States

Arizona’s average annual rate for non-owner car insurance is $323, falling below the national average of $353. Rates in the 12 most populous states:

Should You Get Non-Owner Car Insurance In Arizona?

Non-owner car insurance is a type of auto insurance created for individuals who lack a personal vehicle but still drive every so often. It gives liability coverage if you are responsible for an accident while using a rented or borrowed car.

In Arizona, different groups of people should consider obtaining non-owner car insurance.

Frequent Renters And Borrowers

If you frequently borrow cars or rent vehicles from friends and family, considering non-owner car insurance is a wise choice. Although rental companies have insurance options available, they can be costly if you rent often.

Also, while the owner’s insurance may cover certain accidents, having your own policy guarantees your protection without affecting their premium rates.

Public Transport Commuters With Occasional Driving Needs

Numerous Arizonians depend on public transportation or rideshare apps for their daily travel and only drive occasionally. You may fall into this category if you live in an urban area with solid public transit options or if you often choose to bike or walk.

Nevertheless, there may be moments when driving is necessary. In such instances, having non-owner insurance provides the financial protection you require.

Individuals Trying To Maintain Continuous Coverage

Insurance companies often regard drivers with interrupted coverage as high-risk, leading to higher premiums when you decide to buy a vehicle. If you’ve sold your car and will be without one for a while, a non-owner policy allows you to preserve your insurance history. This can be particularly helpful when you eventually purchase a new car and need regular insurance.

Minimum Car Insurance Requirements In Arizona

According to the Arizona Department Of Insurance & Financial Institutions, drivers are required to carry minimum coverage of 25/50/15:

• $25,000 for one person sustaining bodily injury or death in an accident,
• $50,000 for two or more persons sustaining bodily injury or death in an accident, and
• $15,000 for damage to others’ property.

What Does Non-Owner Car Insurance Cover?

A non-owner car insurance policy mainly provides liability coverage for bodily injuries or property damage you might cause during an accident. It’s essential to note that this policy won’t cover damage to the vehicle you’re driving; that’s the car owner’s responsibility.

Some non-owner policies may also include optional features like medical payments or personal injury protection (PIP), which can help pay for your medical bills after an accident, regardless of fault. Additionally, uninsured/underinsured motorist protection is another optional feature that safeguards you if you’re involved in an accident with a driver who lacks sufficient insurance.

However, remember that non-owner car insurance does not include comprehensive or collision coverage, meaning any damage to the vehicle due to theft, vandalism, or accidents typically won’t be covered.