Cheapest and Best Non-Owner Car Insurance in Arkansas (2024)

Drivers who do not own a vehicle but need liability protection on the road may purchase non-owner car insurance. This form of insurance benefits drivers who borrow cars frequently or need to avoid a gap in their auto insurance coverage. It may also aid drivers with violations on their record, such as DUIs, to reinstate their suspended or revoked licenses.

Auto-Owners emerged as Arkansas’ cheapest company for non-owner car insurance. It is also our top pick for the best overall provider that balances quality service and affordability. State Farm offers the lowest average rates for drivers looking for non-owner car insurance after a violation.

MoneyGeek determined that Auto-Owners and State Farm are Arkansas’ two cheapest providers of non-owner car insurance.

• Drivers with clean records: Auto-Owners ($22 per month)
• Drivers with violations: State Farm ($27 per month)

Our study found that your non-owner premiums increase after a traffic infraction. A driver with a recent violation on their record will generally incur an additional cost of $5 per month compared to those with a clean driving record in Arkansas.

Auto-Owners and State Farm are Arkansas’ lowest-priced non-owner car insurance providers for drivers with a clean record.

• Auto-Owners: $22 per month
• State Farm: $24 per month

You may opt for a policy from USAA if you are an active or retired military veteran. Plans from this insurer are the cheapest in the state at $18 monthly on average.

The average cost of non-owner insurance in Arkansas is $30, which is lower than the national average of $43, meaning that non-owner insurance in Arkansas is typically cheaper than in most other states. Remember that insurance rates differ significantly between drivers based on their location, driving record and desired coverage options.

Arkansas drivers seeking a budget-friendly non-owner car insurance policy after a violation will find the lowest average prices with the following insurers:

• State Farm: $27 per month
• Auto-Owners: $33 per month

USAA offers the lowest average monthly rate of $25 for non-owners SR-22 insurance in Arkansas. However, these policies are only available to current and former military community members.

Arkansas drivers may need to file an SR-22 form as proof of insurance if they have a severe traffic violation, such as a DUI or an at-fault accident. These types of infractions tend to increase your rates significantly. If you do not own a car, obtaining a non-owner SR-22 insurance policy is the best way to access coverage after a conviction.

Insurance rates vary based on many factors, including the severity of your traffic infraction. The average monthly cost of non-owner SR-22 insurance from the cheapest insurer in Arkansas is lower than the national average by $32.

Non-owner car insurance is a type of insurance for Arkansas drivers who do not have a vehicle. This insurance provides liability coverage to such drivers while on the road, covering property damage and bodily injury costs for third parties in case of an at-fault accident.

Non-owner auto insurance does not cover personal injuries and damages to the car you’re driving. Some insurance companies in Arkansas will allow you to purchase additional coverage for your non-owner insurance based on your unique needs. Refer to the following table to compare coverage differences between a full coverage standard policy and a non-owner car insurance policy.

The average cost of auto insurance for drivers in Arkansas without cars is $30 per month, lower than the national average of $43. Location is one contributing factor to the variation in costs. However, other aspects of your driving profile may profoundly impact rates, including your age, coverage amount and driving record.

The companies offering the overall best non-owner car insurance coverage in Arkansas are:

• Auto-Owners: MoneyGeek score 75 out of 100 ($22 per month)
• State Farm: MoneyGeek score 70 out of 100 ($24 per month)
• GEICO: MoneyGeek score 70 out of 100 ($25 per month)

MoneyGeek's rankings of insurers in Arkansas consider several critical factors, including affordability, financial stability ratings from AM Best and J.D. Power's customer satisfaction scores. By reviewing our highlights of the three leading providers, you will be better able to choose the best provider for your needs.

Insurers offer non-owner car insurance for drivers who need coverage while on the road but do not own a car. These policies protect customers from bodily injury and property damage liabilities after an accident, offering peace of mind to the policyholders. You may need non-owners auto insurance in Arkansas if you fit any of the following categories of drivers:

Identifying the best non-owner car insurance in Arkansas may be challenging. Here are answers to some commonly asked questions to help you find the best option for your needs.