Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Arkansas 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 $22 a month in Arkansas for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $266 per year—lower than liability-only coverage of $589 for Arkansas drivers.
- Shelter Insurance offers the cheapest non-owner car insurance rates in Arkansas at an average cost of $8 per month.
Do I need non-owner car insurance in Arkansas?
Non-owner car insurance in Arkansas is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Arkansas
Non-owner car insurance costs $22 a month or $266 per year in Arkansas for coverage limits of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Arkansas
CarInsurance.com’s analysis shows that Shelter Insurance offers the most affordable non-owner car insurance rates in Arkansas, at $8 per month. Other insurers like Southern Farm Bureau and Geico also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
See the cheapest companies for non-owner car insurance in Arkansas in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Shelter Insurance | $95 | $8 |
| Southern Farm Bureau | $141 | $12 |
| Geico | $162 | $14 |
| State Farm | $173 | $14 |
| Alfa Insurance | $278 | $23 |
| Travelers | $329 | $27 |
| Farmers | $432 | $36 |
| Progressive | $433 | $36 |
| Nationwide | $495 | $41 |
| USAA* | $118 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Arkansas, by age and gender
Non-owner car insurance costs in Arkansas vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,084 monthly, whereas if you add a 16-year-old female, you’ll pay $985 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Arkansas.
The table below shows how non-owner car insurance rates vary by age and gender in Arkansas.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $800 | $737 |
| Young Adults (20-24) | $351 | $338 |
| Adults (25-60) | $262 | $266 |
| Seniors (65-75) | $284 | $270 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Arkansas cities
In Fort Smith the average cost of non-owner auto insurance is $23 per month or $280 per year, and Rogers drivers pay $23 a month for the same coverage.
Car insurance premiums in Arkansas vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living also determines the premiums. In areas with higher costs of living in Arkansas, you can expect to pay more for non-owner 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 |
|---|---|---|
| Fort Smith | $280 | $23 |
| Rogers | $281 | $23 |
| Springdale | $284 | $24 |
| Bentonville | $284 | $24 |
| Fayetteville | $289 | $24 |
| Conway | $289 | $24 |
| Jonesboro | $309 | $26 |
| Pine Bluff | $323 | $27 |
| North Little Rock | $331 | $28 |
| Little Rock | $359 | $30 |
Affordable non-owner insurance in Arkansas, by ZIP code
In Arkansas, a 40-year-old driver living in ZIP code 72840 pays $220 a year or $18 per month for non-owner insurance, while the coverage costs $221 a year or $18 per month for a driver in ZIP code 72855 with a clean driving record.
When should you consider buying non-owner car insurance in Arkansas?
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.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to 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 Arkansas
Non-owner car insurance in Arkansas is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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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