Cheapest And Best Non-Owner Car Insurance In Arizona 2024

After thorough research, it’s clear that Kemper provides the most affordable and top-quality non-owner car insurance in Arizona.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Written by Bob Phillips
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Many people from Arizona opt to share or rent vehicles rather than owning or leasing one due to the expenses involved. Non-owner car insurance offers financial protection and peace of mind in such situations.

With 15 years of experience as an insurance agent and over 35 years of buying car insurance, I’m familiar with the various insurance providers in Arizona and their strengths.

Cheapest Non-Owner Car Insurance In Arizona, 2024

Non-Owner Car Insurance, Arizona 2024

Compare The Cheapest And Best Non-Owner Car Insurance In Arizona

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote

Cheapest Overall




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Cheapest Non-Owner SR-22




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Cheapest With A Clean Driving Record




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Best Runner-up




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State Farm

Best Overall




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Cheapest Non-Owner Car Insurance Companies In Arizona

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re focused solely on getting the cheapest car insurance in Arizona without actually owning a car, Kemper stands out as the top choice. Kemper specializes in providing affordable auto insurance for drivers considered high-risk, and you can buy their policies through independent agents across Arizona  and every other state.

Despite Kemper’s popularity for its low prices among Arizonians, it ranks poorly in customer satisfaction, as reported by the National Association of Insurance Commissioners. However, this hasn’t stopped many people from opting for Kemper, making it the 11th largest insurer in the country.

For active-duty military personnel or members of the National Guard who don’t own a vehicle, are deployed, or reside on a military base where they frequently use another person’s car, Kemper might be a suitable choice.

Arizona is notorious for its expensive living costs, which extend to car insurance. Factors like heavy traffic and a high number of uninsured or underinsured drivers have driven up the expenses associated with owning and insuring a car to levels that many find unmanageable.

As a result, more individuals are opting out of car ownership or relying on rental vehicles. Finding affordable non-owner car insurance is helping many Arizonians save money on insurance they no longer require.

Benefits & Drawbacks

  • Cheapest rates for non owner insurance in Arizona
  • Obtain an SR-22 if it's necessary for you.
  • A robust financial strength rating from AM Best
  • Many customers have expressed dissatisfaction with the service provided to policyholders.
  • A mobile application with low ratings

Rates For The Cheapest Non-Owner Car Insurance In Arizona

Insurance company Monthly Rate
Farmers $54
Travelers $30
Kemper $18
State Farm $20

Cheapest Non Owner SR-22

Overall Rating

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is known for providing reliable non-owner car insurance, especially for drivers who need an SR-22 form. This form is required for those considered “high-risk” by the state due to offenses like DUIs, reckless driving, or driving uninsured.

What sets Farmers apart is its specialized services for high-risk drivers. They not only offer SR-22 insurance but also help drivers with suspended licenses to quickly reinstate them. This focus on making things easy for high-risk drivers distinguishes Farmers from other insurance companies.

In terms of pricing, Farmers offers SR-22 Insurance for just about 2% more than regular car insurance on average. This affordability, along with comprehensive coverage, makes Farmers a smart choice for Arizona drivers needing an SR-22.

Getting non-owner SR-22 insurance is a wise move for high-risk drivers who don’t own a car but still need to drive occasionally. It provides liability coverage, protecting you financially if you cause an accident while driving a borrowed or rented car.

Additionally, it helps you maintain continuous insurance coverage, demonstrating financial responsibility and avoiding potential gaps in your insurance history that could lead to higher future premiums.

Benefits & Drawbacks

  • Focuses on catering to individuals classified as high-risk drivers.
  • Get the best prices for SR-22 insurance if you don't own a car.
  • Extensive range of insurance choices
  • A few customers have experienced problems with how their claims are being handled and resolved.
  • Elevated premiums for drivers deemed high-risk

Rates For The Cheapest Non-Owner SR-22 In Arizona

Insurance company Monthly Rate
State Farm $50
Travelers $52
Farmers $42
Progressive $74
Nationwide $94

Cheapest With A Clean Driving Record

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive is a top choice for folks seeking non-owner car insurance in Arizona, especially if you have a good driving history. Their non-owner insurance provides essential coverage for liabilities, safeguarding you from hefty expenses linked to injuries or property damage in an accident. This is crucial because Arizona law requires financial responsibility for all vehicles on its roads.

You can get Progressive non-owner car insurance through independent agents, but Progressive handles the service directly. They have solid financial ratings and a good track record for paying claims.

If you’ve got a clean driving record, you’ll enjoy lower rates for non-owner car insurance. Insurance companies see you as less risky, rewarding your safe driving habits. Plus, it helps insurers keep their losses down from claims, giving them a competitive advantage. So, keeping your driving record clean can significantly slash your premiums.

Benefits & Drawbacks

  • A wide range of coverage choices
  • Top deals for safe motorists
  • Reduced rates for driving safely
  • Diverse customer feedback on service quality
  • No rental car coverage
  • Car insurance that doesn't require ownership of the vehicle isn't offered in every state.

Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Progressive $30
State Farm $47
Nationwide $48
Farmers $53

Best Overall Non Owner Car Insurance

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm is a standout choice for non-owner car insurance in Arizona because of its competitive pricing, extensive coverage options, and top-notch customer service.

Though not the absolute cheapest, State Farm offers rates starting at $213 per year for non-owner liability coverage, which is notably lower than the state’s average of $323 annually. This coverage includes protection if you’re responsible for injury or property damage.

Moreover, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can extend to your rental car, giving you added security.

State Farm’s dedication to customer service sets it apart. They offer easy access through their phone app or dedicated contact number, ensuring policyholders get quick assistance when needed.

While price matters, exceptional customer service shouldn’t be overlooked. Insurance isn’t just about cost; it’s about having peace of mind and knowing you’ll be supported when you need it. An insurance company’s ability to handle claims promptly and provide guidance is crucial.

Benefits & Drawbacks

  • Competitive pricing
  • Wide-ranging coverage
  • Excellent customer happiness
  • Absence of complete protection or collision coverage in non-owner insurance policies.
  • They have a limited number of discounts on offer.
  • Some lower-priced options are available

Best Runner-Up

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Arizona, Travelers stands out as a top choice for non-owner car insurance. Their strength lies in their personalized policies and excellent customer support.

Travelers is well-known for its exceptional customer service, which is crucial when selecting an insurance company. In case of an accident or claim, it’s important to have an insurer that offers quick, efficient assistance and helps navigate the process smoothly. Travelers consistently proves its dedication to customer satisfaction, making it a dependable option for non-owner car insurance.

Alongside a wide array of coverage options like standard liability, collision, and uninsured/underinsured coverage, Travelers provides thorough protection for non-owners at a reasonable cost.

Non-owner car insurance mainly focuses on liability protection, covering damages you may cause to others. However, adding comprehensive and collision coverage can significantly bolster your protection, making it a smart decision for many drivers.

Comprehensive coverage shields you from incidents not related to collisions, such as theft, vandalism, or damage from natural disasters, ensuring you’re not financially burdened by such events.

Meanwhile, collision coverage offers protection if you’re in an accident with another vehicle or object, regardless of fault.

Benefits & Drawbacks

  • Complete protection
  • Exceptional customer support
  • Competitive pricing
  • Online quotes unavailable
  • Limited discounts
  • Drivers who pose a higher risk will face increased insurance rates.

What Is SR-22 Insurance?

Legally speaking, SR-22 isn’t exactly insurance but rather a legal document confirming your vehicle liability coverage. Required by most state DMVs for high-risk drivers, it’s proof that you meet the minimum liability insurance required by your state. This form, submitted by your insurer, is crucial for those whose licenses have been suspended due to traffic infractions or serious offenses like DUIs.

It essentially certifies that you’ve got the necessary auto liability coverage, ensuring financial responsibility. Typically, it’s a court or state mandate for high-risk drivers, and your insurer is obligated to inform the state if your coverage lapses.

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

Just like with comprehensive car insurance, non-owner car insurance costs more for teenagers and gets cheaper as you get older until you hit 55.

Here are some example rates for non-owner car insurance in Arizona at different ages.

Age Average Annual Rate
16 $1,500
17 $1,146
18 $952
19 $660
20 $600
21 $527
22 $498
23 $468
24 $452
25 $379
30 $342
35 $335
40 $328
45 $322
50 $314
55 $312
60 $315
65 $332
70 $356
75 $408

What Is Non-Owner Car Insurance

If you’re often driving someone else’s car, like a rental or a friend’s, you might want to think about getting non-owner car insurance. This type of car insurance mainly covers liability, meaning if you cause an accident while driving a car that isn’t yours, your policy can handle the medical and repair costs for the other person involved.

Some insurers might also offer extras like protection against uninsured drivers or personal injury coverage. But remember, non-owner insurance usually doesn’t cover damage to the car you’re driving, so keep that in mind.

It’s a good option for folks who frequently borrow or rent cars, giving them an extra layer of protection. Plus, it could save you money compared to always buying insurance from the rental company. And having this kind of policy keeps your insurance history continuous, potentially lowering your future premiums if you decide to get your own car down the road.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

Average Cost Of Non-Owner Car Insurance In Arizona

Understanding non-owner car insurance options can feel overwhelming due to the range of providers and prices. Making a smart choice means grasping how costs can affect you.

To help, we’ve made a chart comparing rates from five top providers.

Insurer Average Monthly Rate
Nationwide $80
Progressive $78
State Farm $72
Travelers $70

Average Cost Of Non Owner Car Insurance In Arizona Cities

Here are the standard premiums for five cities in Arizona.

City Sample Average Annual Rate
Meadview $262
Winslow $263
Bowie $264
Douglas $260
Cochise $261

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

The population size of a city affects how much people pay for car insurance. If you live in a big city with lots of traffic, expect to shell out more for coverage.

City Average Annual Rate
Chandler $369
Gilbert $365
Tucson $345
Surprise $322
Douglas $260
Phoenix $422
Glendale $410
Tempe $385
Mesa $375
Scottsdale $372

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

Unexpectedly, the average yearly cost of non-owner car insurance in Arizona is $330, which is lower than the national average of $353. Here are the rates for non-owners in the 12 most populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance mainly provides liability coverage, which pays for injuries or property damage you cause to others in an accident. It’s important to know that it doesn’t cover damages to the car you’re driving; the owner’s insurance should handle that. Some policies also offer extras like medical payments or personal injury protection, which can help with your medical bills after an accident, regardless of fault.

You can also opt for uninsured/underinsured motorist protection, which comes in handy if you’re in a crash with a driver who doesn’t have enough or any insurance. But remember, non-owner car insurance doesn’t include comprehensive or collision coverage, so damage from theft, vandalism, natural disasters, or accidents isn’t covered.

How To Get Non-Owner Car Insurance In Arizona

To obtain non-owner car insurance in Arizona without hassle, follow these five simple steps.

Understand Your Needs

Prior to beginning, it’s important to grasp the reasons for getting non-owner car insurance. Do you regularly rent cars, or frequently borrow from friends or family? Are you in need of a non-owner SR-22 form to reinstate your license? Clearly outline your needs to match the best option for you.


Gather Your Personal Information

To receive a non-owner car insurance quote, you’ll have to share essential personal details like your name, address, and driver’s license number. This helps the insurance company evaluate how risky you are as a driver and calculate your insurance cost.


Compare Rates From Different Providers

Not every insurance company has identical rates for non-owner car insurance. It’s smart to shop around and compare quotes from various providers to find the most favorable deal.


Choose The Right Coverage

Many car insurance plans for non-owners offer liability protection, paying for damages in case you’re at fault in an accident. Some plans may offer extra options like uninsured motorist coverage or medical payments, so pick one that fits your needs.


Purchase Your Policy And Obtain Proof Of Insurance

When you pick out a policy, you can usually buy it on the internet or by phone. Once you buy it, you’ll get proof of insurance right away, usually by email. If needed, your provider can handle filing an SR-22 for you.


Should You Get Non-Owner Car Insurance In Arizona?

Non-owner auto insurance is for folks who don’t own a car but still drive now and then. It covers you if you cause a crash while driving a rented or borrowed car. Some folks in Arizona should think about getting this insurance.

Frequent Renters And Borrowers

If you often borrow cars or rent them, thinking about non-owner car insurance is smart. Even though rental companies offer insurance, it might cost a lot if you rent cars often. Also, while the owner’s insurance might cover certain accidents, having your own policy guarantees protection without impacting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

Lots of folks in Arizona use buses, trains, or services like Uber to get around every day, only using their own car once in a while. You could fall into this group if you live in a city with good public transit or if you like walking or biking most of the time.

But sometimes you have to drive, and non-owner insurance can help cover you financially in those situations.

Individuals Trying To Maintain Continuous Coverage

Insurance providers tend to see drivers who don’t keep their coverage going as risky, and this might mean you’ll pay more for insurance when you get another car. If you’ve sold your vehicle but won’t have one for some time, getting a non-owner policy can help you maintain your coverage and keep your insurance record in good shape. It’s especially useful for when you do get another car and need regular insurance.

Our Methodology

Utilizing a thorough examination covering customer service ratings, product choices, pricing, and assessments from different online review platforms and user feedback, I've developed a detailed understanding of non-owner car insurance providers.

This perspective comes from my 15 years of hands-on experience in the field as a licensed agent in Arizona, coupled with numerous interactions with representatives from different companies and firsthand purchasing experiences.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours


Do you need car insurance if you don’t own a car in Arizona?

Absolutely, having car insurance is necessary in Arizona, even if you’re not the car owner. Non-owner car insurance steps in for those who regularly drive cars they don’t own, offering liability protection in case of accidents.

Can I buy auto insurance for someone else’s car in Arizona?

Absolutely, in Arizona, you have the green light to purchase auto insurance for someone else’s vehicle. But, it’s not a simple task like getting insurance for your own car. Insurers usually like to see a connection between the policyholder and the car, like being a co-owner or driving it often.

Who offers the cheapest non owners car insurance in Arizona?

According to our findings, Kemper provides the most affordable non-owner car insurance rates in Arizona.

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