Car Insurance Non-owner auto insurance in Arkansas: Which company has the cheapest rates? Residents pay an average of $232 for non-owner car insurance, but Auto-Owners and USAA offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 17, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Arkansas costs $232 a year, which is $121 lower than the rest of the nation on average, according to a 2023 rate analysis by Insure.com. In Arkansas, non-owner policies are available from companies such as Geico, State Farm 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 Arkansas. How much does non-owner car insurance cost in Arkansas? Insurance companies view non-owner policyholders as less of a risk due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage car insurance. On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 per year 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 Arkansas, full coverage car insurance costs $1,420. On the other hand, non-owner auto insurance costs $353 a year on average in the U.S. and $232 in Arkansas. But various factors affect individual rates, such as where in Arkansas you live, your age and driving history and other factors. Which insurer offers the cheapest non-owner insurance rates in Arkansas? With an average annual cost of $56, Auto-Owners’ non-owner insurance policy is Arkansas’ most affordable. At $435 a year, Nationwide 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 Arkansas CompanyAverage annual premiumAuto-Owners$56USAA$117Geico$132State Farm$157Travelers$290 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Arkansas 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 Arkansas, a 45-year-old will pay an average of $231 annually for a non-owner insurance policy versus a 16-year-old driver who will pay an average of $990. Average non-owner auto insurance rates in Arkansas by age and gender AgeMaleFemale16$1,038$94117$862$78518$726$66519$465$42820$410$38121$318$29522$299$27923$280$26624$269$25925$261$26530$243$24135$237$24040$232$23845$229$23250$224$22255$220$21760$222$21765$235$22570$254$24075$287$259 Which Arkansas cities have the cheapest non-owner car insurance? There’s a great deal of variation from city to city when it comes to rates. 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 Arkansas. The 20 Arkansas cities with the lowest non-owner auto insurance rates Cities in ArkansasLowest non-owner car insurance ratesHartman$193Scranton$194Paris$195Altus$196Oark$196Ozone$196Coal Hill$197Clarksville$198Knoxville$198Caulksville$199Magazine$199Ozark$199Belleville$200Branch$201Deer$201Havana$201Omaha$201Delaware$202Jasper$202Lamar$202 The 20 Arkansas cities with the highest non-owner car insurance rates Cities in ArkansasHighest non-owner car insurance ratesEast Prospect$309Sweet Home$305Scott$294Roland$290Maumelle$287Bryant$285Helena-West Helena$284Lexa$283Barton$282North Little Rock$282Woodson$281Sherwood$278Little Rock$277Pine Bluff$277East End$276Moscow$276Coy$275England$275Bauxite$274Jonesboro$256 How much is non-owner car insurance in Arkansas’ 10 biggest cities? The most populous cities in Arkansas have different non-owner insurance rates. The cost of non-owner insurance in North Little Rock is the most expensive at $282, while Hartman has the least expensive rates of the largest cities in the state at $193. Non-owner auto rates in Arkansas’s 10 largest cities 10 largest cities in ArkansasNon-owner car ratesNorth Little Rock$282Little Rock$277Pine Bluff$277Jonesboro$256Conway$253Fayetteville$250Fort Smith$242Rogers$241Bentonville$240Hartman$193 How non-owner insurance rates in Arkansas compare to rates in other states Non-owner car insurance rates also differ from state to state. Arkansas’ average non-owner insurance rate is $232 a year, lower than the $353 average nationally. At $170 per year, South Dakota is the cheapest, 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Arkansas Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy. 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 quote on a non-owner insurance policy, don’t go online and call your insurer instead. “The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. Here are a few insurers with 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. Leslie KasperowiczManaging Editor  . .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. 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... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes