Non-owner car insurance in Arizona: Which company has the cheapest rates?

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Non-owner car insurance in Arizona costs $325 a year, which is $28 lower than the rest of the nation on average, according to Insure.com’s 2023 rate analysis.

In Arizona, non-owner policies are available from companies such as The Hartford, USAA and Travelers.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Arizona.

How much does non-owner car insurance cost in Arizona?

Non-owner insurance is usually cheaper than full coverage car insurance—insurers view non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Arizona, full coverage car insurance costs $1,484.

On the other hand, non-owner auto insurance is $353 a year on average in the U.S. and $325 in Arizona.

But actual rates are based on your age and driving history and also where in Arizona you live.

Which insurer offers the cheapest non-owner insurance rates in Arizona?

With an average annual cost of $90, Auto-Owners’ non-owner insurance policy is Arizona’s most affordable.

At $628 a year, Progressive charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Arizona

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Arizona by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Arizona, a 45-year-old will pay an average of $321 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,428.

Average non-owner car insurance rates in Arizona by age and gender

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Which Arizona cities have the cheapest non-owner auto insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Arizona.

The 20 Arizona cities with the lowest non-owner car insurance rates

The 20 Arizona cities with the highest non-owner auto insurance rates

How much is non-owner auto insurance in Arizona’s 10 biggest cities?

The largest cities in Arizona have different non-owner insurance rates. The cost of non-owner insurance in Phoenix is the most expensive at $419. Douglas has the least expensive rates of the largest cities in the state at $257.

Non-owner car rates in Arizona’s 10 largest cities

How non-owner insurance rates in Arizona compare to rates in other states

Non-owner car insurance rates also differ from state to state. Arizona’s average non-owner insurance rate is $325 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Arizona

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Below are a few insurers with their phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

Explore other insurance options in Arizona

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Average renters insurance cost in Arizona

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.