Auto-Owners offers the most affordable non-owner car insurance at just $28 monthly, lower than Arizona's average by $16. The table below compares other cost-effective options.
Cheapest Non-Owner Car Insurance in Arizona
Updated: January 23, 2025
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Best Cheap Non-Owner Car Insurance in Arizona: Key Takeaways
State Farm offers Arizona's cheapest SR-22 non-owner car insurance, with an average monthly cost of $40.
Non-owner car insurance covers you when driving a vehicle you don't own, as long as you meet Arizona's minimum coverage requirements.
Non-owner insurance is ideal for drivers who often borrow cars, rent vehicles or need to reinstate their license without a traditional policy.
Cheapest Non-Owner Car Insurance in Arizona
| Auto-Owners | $342 | $28 |
| Travelers | $403 | $34 |
| State Farm | $421 | $35 |
| GEICO | $550 | $46 |
| Progressive | $604 | $50 |
| Farmers | $639 | $53 |
| Nationwide | $931 | $78 |
Cheapest Non-Owner SR-22 Car Insurance in Arizona
State Farm offers Arizona's most affordable SR-22 non-owner policy at $40 monthly, lower than the state average of $63 for minimum coverage. Use the table below to compare other providers for SR-22 insurance.
| State Farm | $483 | $40 |
| Travelers | $483 | $40 |
| Auto-Owners | $488 | $41 |
| GEICO | $798 | $67 |
| Progressive | $847 | $71 |
| Farmers | $983 | $82 |
| Nationwide | $1,215 | $101 |
How Much Is Non-Owner Car Insurance in Arizona?
Averaging $44, non-owner car insurance costs in Arizona are just above the national average. SR-22 coverage averages $63 monthly, higher than the $48 national average for drivers with minor accidents. Your premium will depend on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Arizona Average Cost
Monthly Premium
$44Non-owner car insurance costs in Arizona is average:$1 more
This is 2% more expensive.
Arizona Non-Owner Car Insurance Buyer Guide
Our guide helps Arizona drivers decide if non-owner insurance suits their needs, explaining what it covers, comparing it to regular policies and detailing costs for affordable coverage options.
What Is Non-Owner Car Insurance?
Consider non-owner car insurance if you drive often but don't own a vehicle. It covers the costs if you're in a crash and protects you just like a standard policy would. Check out how it stacks up against regular auto insurance below.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Arizona Allow Non-Owner Car Insurance?
Arizona permits non-owner car insurance for drivers who don't own a car. If you need to file an SR-22, you can purchase it to meet state minimum requirements.
ARIZONA MINIMUM INSURANCE REQUIREMENTS
Arizona's minimum coverage requirements apply to non-owner car insurance and include:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
These limits meet state requirements but may not offer full protection. Evaluate how much coverage you need before purchasing insurance to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in Arizona?
Non-owner car insurance in Arizona is ideal for those who occasionally drive borrowed or rented vehicles. It is affordable and suits renters, car-sharing users or those planning to buy a car. Consider it if you fit these needs.
AVOID ONE-DAY CAR INSURANCE
Exercise caution with "one-day insurance" offers in Arizona, as they aren't legitimate and may signal fraud. For temporary coverage needs, such as during a move or road trip, it's safer to purchase insurance through a car rental company.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owners car insurance policy:
Car borrowers
Non-owner car insurance provides liability coverage when driving a borrowed vehicle, protecting drivers from out-of-pocket expenses in case of an at-fault accident.
Occasional renters
Non-owner car insurance offers continuous liability coverage, which can be more cost-effective than purchasing insurance from the rental company each time.
Drivers between cars
Drivers between cars can use non-owner insurance to maintain continuous coverage and avoid future premium increases from a policy lapse.
License reinstatement-seekers
Drivers seeking license reinstatement may be required to show proof of insurance. Non-owner car insurance fulfills this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22, also called an SR-22 Certificate of Financial Responsibility, is a form your insurer sends to the DMV to prove you meet state minimum insurance requirements. Often required after a DUI or driving without insurance, it’s necessary to regain driving privileges.
Cheap Non-Owner Car Insurance in Arizona: Bottom Line
Arizona drivers without a car can get insured, including those needing SR-22. Auto-Owners is the cheapest option, followed by Travelers and State Farm. Compare quotes from multiple providers to find the best deal.
Non-Owner Car Insurance in Arizona: FAQ
Get answers to frequently asked questions about non-owner car insurance in Arizona below.
Which company offers the cheapest non-owner car insurance in Arizona?
Auto-Owners offers Arizona's most affordable non-owner car insurance at $28 monthly. State Farm is the cheapest for SR-22 insurance, starting at $40 monthly.
How much does non-owners car insurance cost in Arizona?
In Arizona, non-owner car insurance averages $534 annually or $45 monthly. For SR-22 coverage, costs rise to $756 annually or $63 monthly, providing state minimum protection for drivers without a vehicle.
Arizona Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Arizona auto insurance rates by collecting relevant data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable companies.
Coverage Levels
We compared non-owner car insurance rates from companies in Arizona using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
Drivers and Cars in Arizona
To find the best and most affordable auto insurance companies for non-owner car insurance in Arizona, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit score
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.