Which companies offer the cheapest non-owner car insurance in Arkansas?
Auto-Owners has the cheapest non-owner car insurance in Arkansas, with average annual rates of $98. Shelter Insurance is the second-cheapest option at $109 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 Arkansas.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $98 | $8 |
| Shelter Insurance | $109 | $9 |
| Southern Farm Bureau | $360 | $30 |
| Alfa Insurance | $470 | $39 |
| GEICO | $500 | $42 |
| Progressive | $547 | $46 |
| Farmers | $643 | $54 |
| Nationwide | $794 | $66 |
Best non-owner car insurance in Arkansas
Shelter Insurance is the best non-owner car insurance company in Arkansas based on cost, customer complaints and financial strength ratings. Alfa Insurance and GEICO are also strong choices for drivers looking for affordable liability coverage.
To identify the best non-owner car insurance companies in Arkansas, we considered several key factors, such as the number of customer complaints, financial strength, and 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. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Arkansas.
| Company | Average annual premium | J.D. Power | NAIC | A.M Best | Overall score |
|---|---|---|---|---|---|
| Shelter Insurance | $109 | 673 | 0.44 | A | 4.66 |
| Alfa Insurance | $470 | 685 | 0.79 | A | 4.08 |
| GEICO | $500 | 641 | 0.60 | A++ | 3.70 |
| Progressive | $547 | 637 | 0.60 | A+ | 3.49 |
| Nationwide | $794 | 632 | 0.64 | A | 2.96 |
| Farmers | $643 | 641 | 1.24 | A | 2.93 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Arkansas.
Shelter Insurance
Shelter Insurance is our top choice for non-owner car insurance in Arkansas. Its average annual non-owner car insurance cost is $109. Shelter Insurance has an AM Best score of A and a low NAIC complaint ratio of 0.44.
Alfa Insurance
Alfa Insurance is also a great choice for non-owner car insurance in Arkansas, offering coverage at an average annual rate of $470. It has earned an AM Best rating of A and maintains a low NAIC complaint ratio of 0.79.
GEICO
Our third pick is GEICO. GEICO rates average $500. Its NAIC complaint ratio is 0.60, and it has a rating of A++.
PEOPLE ASK:
Do I need Arkansas 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 Arkansas?
The average cost of non-owner car insurance in Arkansas is $440 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 Arkansas?
Age and gender significantly impact non-owner car insurance rates in Arkansas, 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 Arkansas by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $1,339 | $1,283 |
| Young Adults (20-24) | $591 | $586 |
| Adults (25-60) | $432 | $447 |
| Seniors (65-75) | $472 | $448 |
Do you need non-owner car insurance in Arkansas?
Drivers in Arkansas 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 Arkansas 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 | $440 |
| Traditional state minimum policy | $689 |
| State minimum car insurance limits | 25/50/25 |
What does Arkansas non-owner car insurance cover?
Non-owner car insurance in Arkansas generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.
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 Arkansas
Drivers in Arkansas might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
Non-owner car insurance in Arkansas costs an average of $440 per year. Auto-Owners offers the cheapest average premium at $98. Based on our analysis of rates, complaint data and financial strength, Shelter Insurance is the best overall insurer for non-owner coverage in Arkansas.
Be sure to compare your options to find the best non-owner car insurance in Arkansas. You can use the tool above to quickly and easily compare non-owner insurance providers 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 Arkansas
Do I need non-owner insurance to drive a friend's car in Arkansas?
No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.
Can I use non-owner insurance for Uber or delivery driving in Arkansas?
No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.
Does non-owner insurance cover rental cars?
Yes. Non-owner insurance provides liability coverage when driving a rental car. However, it does not pay for damage to the rental vehicle itself.
Compare Arkansas non-owners car insurance rates with other states
You might also be interested in- Arkansas car insurance laws and requirements: 2026 changes
- Arkansas DWI and insurance: How much does a DWI raise your insurance?
- Speeding ticket calculator in Arkansas
- SR-22 insurance in Arkansas
- Arkansas gap insurance: Everything you need to know
- Low-income car insurance in Arkansas
- Arkansas car insurance coverage calculator
- Arkansas car insurance guide
- Cheapest car insurance for high-risk drivers in Arkansas
- Cheapest home and auto insurance bundle in Arkansas
