Car Insurance Non-owner car insurance in Arizona: Which company has the cheapest rates? The average cost in Arizona for a non-owner car insurance policy is $386 a year, but Auto-Owners and State Farm offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 3, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 premiumAuto-Owners$90State Farm$200The Hartford$237USAA$242Travelers$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 AgeMaleFemale16$1,974$1,81617$1,513$1,39418$1,285$1,19219$857$79520$796$73521$700$65122$609$57223$581$54924$564$53725$462$47130$401$39935$391$39540$386$39145$378$38250$366$36755$358$35460$360$35465$377$37570$406$40275$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 ratesDouglas$257Cochise$258Pearce$258Willcox$259Meadview$260Winslow$260Bowie$261Elfrida$262Hereford$262Lake Havasu City$262Portal$262Mc Neal$263Sonoita$263Morenci$264Page$264Rio Rico$264Sierra Vista$264Thatcher$264Yucca$265Topock$266 The 20 Arizona cities with the lowest non-owner auto insurance rates Cities in ArizonaHighest non-owner car insurance ratesPhoenix$419Glendale$404Paradise Valley$397Tempe$381Youngtown$378Peoria$374Mesa$372Sun Lakes$371Scottsdale$370Waddell$369El Mirage$368Avondale$367Chandler$367Gilbert$367Laveen$363Queen Creek$362Mount Lemmon$361Catalina Foothills$360Higley$356San 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 ratesPhoenix$419Glendale$404Tempe$381Peoria$374Mesa$372Scottsdale$370Chandler$367Gilbert$367Surprise$350Tucson$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 premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Arizona? Which insurer offers the cheapest non-owner insurance rates in Arizona? How much is non-owner car insurance in Arizona by age? Which Arizona cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in Arizona's 10 biggest cities? How non-owner insurance rates in Arizona compare to rates in other states How to get non-owner car insurance in Arizona Get instant quotes now ! Please enter valid zip Get quote