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

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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

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

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

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

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

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

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.