Non-owner auto insurance in Arkansas: Which company has the cheapest rates?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. For a deeper dive into our process, see our complete methodology. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Non-owner auto insurance in Arkansas costs $440 annually, which is $46 less than the average nationally, according to an Insure.com rate analysis.

In Arkansas, non-owner policies are available from companies such as Auto-Owners, Shelter Insurance and Southern Farm Bureau.

“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 auto insurance cost in Arkansas?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,578 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. Full coverage car insurance is $2,942 in Arkansas.

Alternatively, non-owner car insurance is $486 a year on average in the United States and $440 in Arkansas.

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

You might find interesting

Explore related topics

• Arkansas car insurance calculator
• Arkansas car insurance: Rates, state minimum requirements and best companies
• Average car insurance cost in Arkansas
• Car insurance calculator for teens in Arkansas
• Cheapest SR-22 insurance in Arkansas
• Do you need insurance to register a car in Arkansas?
• How much is gap insurance in Arkansas
• Low-cost car insurance in Arkansas
• The best and cheapest car insurance in Arkansas

See more

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

With an average annual cost of $98, Auto-Owners non-owner insurance policy is Arkansas’s most affordable.

At $794 a year, Nationwide charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Arkansas.

Cheapest non-owner insurance rates in Arkansas

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

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Arkansas non-owner insurance costs $426 a year for a 45-year-old, while it’s $1,726 for a 16-year-old driver.

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

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

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

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

The tables below display the cities in Arkansas that have the least and most expensive non-owner auto insurance rates.

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

The 20 Arkansas cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Arkansas’s 10 biggest cities?

The most populous cities in Arkansas have varying non-owner insurance rates. The cost of non-owner insurance in Pine Bluff is the highest at $497; Bentonville has the cheapest rates of the largest cities in the state at $389.

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

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

Non-owner auto insurance rates also differ from state to state. Arkansas’s average non-owner insurance rate is $440 a year, lower than the $486 national average.

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

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Arkansas

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 a car 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. Below are a few insurers with 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 gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., to analyze non-owners auto insurance pricing.

This data is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, opting for a non-owners policy on a Honda Accord with a 12-mile commute and 10,000 annual mileage. We analyzed over 65 million insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $486.

Read more about our research standards and methodology.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing 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.

Explore other insurance options in Arkansas

The best and cheapest car insurance in Arkansas

Average renters insurance cost in Arkansas

Average homeowners insurance cost in Arkansas