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

Cheapest non-owner car insurance companies in Arkansas

Shelter Insurance is the cheapest non-owner car insurance in Arkansas, with rates averaging $95. The second most affordable option in Arkansas is Southern Farm Bureau, with an average rate of $141.

The table below shows the most affordable non-owner car insurance companies in Arkansas.

Company	Average annual premium	Average 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

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Best non-owner car insurance in Arkansas

While State Farm is the top choice, GEICO and Shelter Insurance are also great options for non-owner coverage.

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 Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in Arkansas.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$173	833	0.70	A++	3.30
GEICO	$162	819	0.91	A++	3.21
Shelter Insurance	$95	851	1.18	A	3.18
Alfa Corporation	$278	812	0.23	A	3.06
Travelers	$329	797	0.49	A++	2.99
Progressive	$433	803	0.65	A+	2.53
Farmers	$432	819	0.80	A	2.40
Nationwide	$495	792	0.64	A+	2.39

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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.

State Farm

State Farm is our top choice for non-owner car insurance in Arkansas. Its average annual non-owner car insurance cost is $173. State Farm has an AM Best score of A++ and a low 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.

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.

Average cost of non-owner car insurance in Arkansas

Non-owners car insurance in Arkansas costs $266. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Arkansas by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Arkansas.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Arkansas non-owner car insurance rates by age and gender.

Age group	Female	Male
Teens (16-19)	$800	$737
Young Adults (20-24)	$351	$338
Adults (25-60)	$262	$266
Seniors (65-75)	$284	$270

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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 policy	$266
Traditional state minimum policy	$397
State minimum car insurance limits	25/50/25

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What does Arkansas non-owner car insurance cover?

A Arkansas non-owner car insurance policy only gives you the basic coverage you need to drive legally. It meets all the minimum car insurance requirements in Arkansas. But it won't pay for any damage to the car itself.

Non-owner car insurance is secondary, so it will only apply after the car owner's policy limits are exceeded.

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.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.