Cheapest non-owner car insurance companies in Arkansas

The cheapest non-owner car insurer in Arkansas is Shelter Insurance, with rates averaging $95. The second cheapest Arkansas non-owner insurer is Southern Farm Bureau. Average rates are $141.

Compare the cheapest non-owner car insurance companies in Arkansas below.

CompanyAverage annual premiumAverage monthly premium
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
Data updated in 2024
Read our full methodology

Best non-owner car insurance in Arkansas

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

Although State Farm came out on top, Geico and Shelter Insurance are also excellent choices for providing non-owner coverage.

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

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
State Farm$1738330.70A++3.30
Geico$1628190.91A++3.21
Shelter Insurance$958511.18A3.18
Alfa Corporation$2788120.23A3.06
Travelers$3297970.49A++2.99
Progressive$4338030.65A+2.53
Farmers$4328190.80A2.40
Nationwide$4957920.64A+2.39
Data updated in 2024
Read our full methodology

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

State Farm

Our number one pick for non-owner car insurance in Arkansas is State Farm. The average rate for liability coverage is $173. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.

Geico

Another excellent choice for non-owner car insurance in Arkansas is Geico. Average rates are $162 annually. Geico has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.

Shelter Insurance

Our third pick is Shelter Insurance. Shelter Insurance rates average $95. Its NAIC complaint ratio is 1.18, and it has a rating of A.

Non-owner car insurance in Arkansas by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Arkansas.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Arkansas rates for non-owner car insurance based on age and gender.

Age groupFemaleMale
Teens (16-19)$800$737
Young Adults (20-24)$351$338
Adults (25-60)$262$266
Seniors (65-75)$284$270
Data updated in 2024
Read our full methodology

Average annual rates for non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Arkansas doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

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 claim is much lower.

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

Non-owners state minimum policyTraditional state minimum policyState minimum car insurance limits
$266$39725/50/25
Data updated in 2024
Read our full methodology

Average cost of non-owner car insurance in Arkansas

The average cost of non-owner car insurance in Arkansas is $266, but rates may vary based on factors such as your driving record, age, and coverage level.

The bottom line: Non-owner car insurance in Arkansas

Arkansas 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-owners car insurance averages $266 in Arkansas, and Shelter Insurance offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

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

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

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