Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Arizona driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $33 a month in Arizona for the coverage limit of 25/50/15.
- The non-owner car insurance rate is $396 per year—lower than liability-only coverage of $764 for Arizona drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Arizona at an average cost of $10 per month.
Do I need non-owner car insurance in Arizona?
Non-owner car insurance in Arizona is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Arizona
Non-owner car insurance costs an average of $33 a month and $396 per year in Arizona for the coverage limit of 25/50/15.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Arizona
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Arizona, at $10 per month. Other insurers like State Farm and Travelers also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
Below is a table showing the cheapest companies for non-owner car insurance in Arizona.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $120 | $10 |
| State Farm | $227 | $19 |
| Travelers | $366 | $31 |
| Geico | $390 | $33 |
| Farmers | $481 | $40 |
| Nationwide | $552 | $46 |
| Progressive | $621 | $52 |
| CSAA Insurance (AAA) | $759 | $63 |
| USAA* | $177 | $15 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Arizona, by age and gender
Non-owner car insurance costs in Arizona vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,701 monthly, whereas if you add a 16-year-old female, you’ll pay $1,546 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Arizona.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $1,266 | $1,164 |
| Young Adults (20-24) | $548 | $536 |
| Adults (25-60) | $392 | $401 |
| Seniors (65-75) | $429 | $411 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Arizona cities
In Tucson non-owner auto insurance costs $34 per month or $411 annually, while drivers in Surprise pay $36 monthly for the same coverage.
Insurance rates vary by city in Arizona. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Arizona city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Tucson | $411 | $34 |
| Surprise | $431 | $36 |
| Gilbert | $433 | $36 |
| Mesa | $435 | $36 |
| Tempe | $435 | $36 |
| Chandler | $437 | $36 |
| Scottsdale | $439 | $37 |
| Peoria | $457 | $38 |
| Glendale | $472 | $39 |
| Phoenix | $482 | $40 |
Affordable non-owner insurance in Arizona, by ZIP code
A Arizona driver aged 40 living in ZIP code 86018 pays $316 annually or $26 monthly for non-owner car insurance, while a 40-year-old in ZIP code 86403 with a clean driving record pays $316 per year or $26 per month.
When should you consider buying non-owner car insurance in Arizona?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Arizona
Non-owner car insurance is a good option in Arizona to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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