Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age and location.
- Non-owner car insurance costs an average of $22 a month in Arkansas for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $266 per year—lower than liability-only coverage of $589 for Arkansas drivers.
- Shelter Insurance offers the cheapest non-owner car insurance rates in Arkansas at an average cost of $8 per month.
Do I need non-owner car insurance in Arkansas?
Non-owner car insurance in Arkansas is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Arkansas
Arkansas drivers can expect to pay an average of $22 per month or $266 annually for non-owner car insurance with a coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Arkansas
CarInsurance.com’s analysis shows that Shelter Insurance offers the most affordable non-owner car insurance rates in Arkansas, at $8 per month. Other insurers like Southern Farm Bureau and Geico also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in Arkansas in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Shelter Insurance | $95 | $8 |
| Southern Farm Bureau | $141 | $12 |
| Geico | $162 | $14 |
| State Farm | $173 | $14 |
| Alfa Insurance | $278 | $23 |
| Travelers | $329 | $27 |
| Farmers | $432 | $36 |
| Progressive | $433 | $36 |
| Nationwide | $495 | $41 |
| USAA* | $118 | $10 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Arkansas, by age and gender
Non-owner car insurance costs in Arkansas vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,084 monthly, whereas if you add a 16-year-old female, you’ll pay $985 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Arkansas.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $800 | $737 |
| Young Adults (20-24) | $351 | $338 |
| Adults (25-60) | $262 | $266 |
| Seniors (65-75) | $284 | $270 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Arkansas cities
Non-owner auto insurance cost in Fort Smith is $23 a month or $280 a year, whereas drivers in Rogers pay $23 a month for the same coverage.
Car insurance premiums in Arkansas vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Arkansas city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Fort Smith | $280 | $23 |
| Rogers | $281 | $23 |
| Springdale | $284 | $24 |
| Bentonville | $284 | $24 |
| Fayetteville | $289 | $24 |
| Conway | $289 | $24 |
| Jonesboro | $309 | $26 |
| Pine Bluff | $323 | $27 |
| North Little Rock | $331 | $28 |
| Little Rock | $359 | $30 |
Affordable non-owner insurance in Arkansas, by ZIP code
A Arkansas driver aged 40 living in ZIP code 72840 pays $220 annually or $18 monthly for non-owner car insurance, while a 40-year-old in ZIP code 72855 with a clean driving record pays $221 per year or $18 per month.
When should you consider buying non-owner car insurance in Arkansas?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Arkansas
Non-owner car insurance is a good option in Arkansas to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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