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

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Non-owner car insurance in Arkansas costs $232 per year, according to a 2023 rate analysis by Insure.com, which is $148 lower than the national average.

In Arkansas, these policies are available from companies such as Geico, State Farm 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 Arkansas.

How much does non-owner car insurance cost in Arkansas?

Non-owner insurance is usually less expensive than typical auto insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs $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. This applies for drivers with a clean driving record and good credit score. It costs $1,420 in Arkansas.

Alternatively, non-owner car insurance is $380 a year on average in the United States and $232 in Arkansas.

But various factors affect individual rates, such as how old you are, your chosen insurance company and your driving history.

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

Arkansas’ least expensive non-owner insurance policy is offered by Auto-Owners at $56 a year.

At $435, 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 plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $990 a year for a 16-year-old and $231 for a 45-year-old in Arkansas.

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

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

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within an area.

Below are the cheapest and most expensive cities for non-owner car insurance in Arkansas.

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

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

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

The largest cities in Arkansas can have significantly different non-owner insurance rates. The non-owner insurance cost in Little Rock is the most expensive at $306; Bentonville has the cheapest prices among the state’s largest cities at $240.

Non-owner auto rates in Arkansas’ 10 largest cities

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

From state to state, the rates for non-owner car insurance can also differ. Arkansas’ average non-owner insurance rate is $232; lower than the $380 national average. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. After that it’s Iowa at $193 annually.

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

How to get non-owner auto 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 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

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.

Below are some insurance companies 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 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.