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Non-owner auto insurance in Arizona is $386 per year, according to a 2023 rate analysis by Insure.com, which is $6 more than the rest of the nation on average.

In Arizona, these policies are available from companies such as The Hartford, USAA and Travelers, in addition to many others.

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.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Arizona.

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

Non-owner insurance is usually less expensive than regular car insurance—insurance companies regard non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the United States, it’s $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. This is applicable for drivers with a good credit score as well as a clean driving record. It is $1,484 in Arizona.

Additionally, non-owner auto insurance costs $380 a year on average in the U.S. and $386 in Arizona.

But various factors affect individual rates, such as which insurer you buy from, your age and driving history and also where in Arizona you live.

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

In Arizona, Auto-Owners’ non-owner insurance policy is the cheapest at $90 a year.

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

You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Arizona are listed below.

Cheapest non-owner insurance rates in Arizona

CompanyAverage annual premium
Auto-Owners$90
State Farm$200
The Hartford$237
USAA$242
Travelers$311

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 also an important factor when it comes to pricing. 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. Arizona non-owner insurance costs, on average, $1,895 a year for a 16-year-old, whereas it’s $380 for a 45-year-old driver.

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

AgeMaleFemale
16$1,974$1,816
17$1,513$1,394
18$1,285$1,192
19$857$795
20$796$735
21$700$651
22$609$572
23$581$549
24$564$537
25$462$471
30$401$399
35$391$395
40$386$391
45$378$382
50$366$367
55$358$354
60$360$354
65$377$375
70$406$402
75$457$444

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

From ZIP code to ZIP code, rates can be very different. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates.

Below are tables displaying the cities in Arizona that have the least and most expensive non-owner auto insurance rates.

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

Cities in ArizonaLowest non-owner car insurance rates
Douglas$257
Cochise$258
Pearce$258
Willcox$259
Meadview$260
Winslow$260
Bowie$261
Elfrida$262
Hereford$262
Lake Havasu City$262
Portal$262
Mc Neal$263
Sonoita$263
Morenci$264
Page$264
Rio Rico$264
Sierra Vista$264
Thatcher$264
Yucca$265
Topock$266

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

Cities in ArizonaHighest non-owner car insurance rates
Phoenix$419
Glendale$404
Paradise Valley$397
Tempe$381
Youngtown$378
Peoria$374
Mesa$372
Sun Lakes$371
Scottsdale$370
Waddell$369
El Mirage$368
Avondale$367
Chandler$367
Gilbert$367
Laveen$363
Queen Creek$362
Mount Lemmon$361
Catalina Foothills$360
Higley$356
San Tan Valley$356

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

The most populous cities in Arizona sometimes have rates that are significantly different. The non-owner insurance rate in Phoenix is the highest at $419. Tucson has the cheapest prices among the state’s largest cities at $341.

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

10 largest cities in ArizonaNon-owner car rates
Phoenix$419
Glendale$404
Tempe$381
Peoria$374
Mesa$372
Scottsdale$370
Chandler$367
Gilbert$367
Surprise$350
Tucson$341

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

The rates for non-owner auto insurance also will vary between states too. The average non-owner insurance rate in Arizona is $386, which is more than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and then Iowa at $193 a year.

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

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner car insurance in Arizona

To get a non-owner policy, you’ll need your driver’s license number 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

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some insurers with their contact 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.