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

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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

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

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

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

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

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:

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 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.

Explore other insurance options in Arkansas

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Average renters insurance cost in Arkansas

Average homeowners insurance cost in Arkansas

Leslie Kasperowicz

Managing Editor

 

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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.