- Which companies offer the cheapest non-owner car insurance in Arkansas?
- Best non-owner car insurance in Arkansas
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Arkansas
- Non-owner car insurance in Arkansas by age and gender
- Do you need non-owner car insurance in Arkansas?
- Non-owner vs. traditional car insurance
- What does Arkansas non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Arkansas
- Methodology
- FAQ: Non-owner car insurance in Arkansas
- Compare Arkansas non-owners car insurance rates with other states
Which companies offer the cheapest non-owner car insurance in Arkansas?
The cheapest non-owner car insurance in Arkansas is from Shelter Insurance, with an average rate of $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 |
Best non-owner car insurance in Arkansas
Although State Farm came out on top, GEICO and Shelter Insurance are also excellent choices for providing 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.
The table below compares the top 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 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Arkansas.
State Farm
Our top choice for non-owner car insurance in Arkansas is State Farm, with an average rate of $173 for liability coverage. State Farm holds an AM Best rating of A++ and has 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 choice is Shelter Insurance, with an average rate of $95. It has an NAIC complaint ratio of 1.18 and an AM Best 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
The average cost of non-owner car insurance in Arkansas is $266, but your rate will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
- Your age and gender
- Your credit history
Non-owner car insurance in Arkansas by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Arkansas.
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
Even in a state that bans the use of age and gender for car insurance rates, like Arkansas, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Arkansas 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 |
Do you need non-owner car insurance in Arkansas?
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 usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Arkansas won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $266 |
| Traditional state minimum policy | $397 |
| State minimum car insurance limits | 25/50/25 |
What does Arkansas non-owner car insurance cover?
A Arkansas non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Arkansas, but it won't cover any damage to the vehicle you're 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
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.
Take the time to compare options to find the best non-owner car insurance in Arkansas. Use the tool above to easily compare non-owner insurance providers near you.
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 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 Arkansas?
No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.
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.
Compare Arkansas non-owners car insurance rates with other states
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