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 Arkansas driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- 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 important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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 Arkansas
Arkansas drivers can expect to pay an average of $22 per month or $266 annually for non-owner car insurance with a coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Arkansas
According to CarInsurance.com’s analysis, Shelter Insurance offers the lowest non-owner car insurance rates in Arkansas, with an average cost of $8 per month. Southern Farm Bureau and Geico also provide affordable non-owner insurance 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.
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 |
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.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Arkansas.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| 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.
Insurance rates vary by city in Arkansas. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Arkansas generally pay higher insurance premiums, 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 |
|---|---|---|
| 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 provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
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.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Arkansas
Non-owner car insurance is a good option in Arkansas 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 provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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