Non-owner car insurance in Arizona: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Arizona?

GEICO has the cheapest non-owner car insurance in Arizona, with average annual rates of $387. Travelers is the second-cheapest option at $402 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Arizona.

Company	Average annual premium	Average monthly premium
GEICO	$387	$32
Travelers	$402	$33
Farmers	$713	$59
Progressive	$1,594	$133
USAA	$288	$24

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What are the best non-owner car insurance companies in Arizona?

The best non-owner car insurance companies in Arizona are GEICO, Travelers, and Farmers, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.

To find the best non-owner car insurance companies in Arizona, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Arizona.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$387	624	0.60	A++	5.00
Travelers	$402	624	0.63	A++	4.97
Farmers	$713	623	1.24	A	3.97
Progressive	$1,594	616	0.60	A+	3.17
USAA	$288	720	1.16	A++	4.56

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Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Arizona.

GEICO

Our top choice for non-owner car insurance in Arizona is GEICO, with an average rate of $387 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Travelers

Travelers is also a great choice for non-owner car insurance in Arizona, offering coverage at an average annual rate of $402. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.63.

Farmers

Our third pick is Farmers. Farmers rates average $713. Its NAIC complaint ratio is 1.24, and it has a rating of A.

PEOPLE ASK:

Do I need Arizona non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

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

The average cost of non-owner car insurance in Arizona is $652 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Arizona?

Age and gender significantly impact non-owner car insurance rates in Arizona, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Arizona by age and gender.

Age group	Male	Female
Teens (16-19)	$2,099	$1,943
Young Adults (20-24)	$854	$817
Adults (25-60)	$634	$640
Seniors (65-75)	$677	$623

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Do you need non-owner car insurance in Arizona?

Drivers in Arizona may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Arizona doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$652
Traditional state minimum policy	$768
State minimum car insurance limits	25/50/15

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What does Arizona non-owner car insurance cover?

Non-owner car insurance in Arizona covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Arizona

Arizona drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in Arizona costs an average of $652 per year. GEICO offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $387. Based on our analysis of rates, complaint data and financial strength, GEICO is the best overall insurer for non-owner coverage in Arizona.

Shop around to find the best Arizona non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Arizona

Do I need non-owner insurance to drive a friend's car in Arizona?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Arizona?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.