Cheapest And Best Non-Owner Car Insurance In Arizona 2024

If you’re focused solely on getting the cheapest car insurance in Arizona without actually owning a car, Kemper stands out as the top choice. Kemper specializes in providing affordable auto insurance for drivers considered high-risk, and you can buy their policies through independent agents across Arizona  and every other state.

Despite Kemper’s popularity for its low prices among Arizonians, it ranks poorly in customer satisfaction, as reported by the National Association of Insurance Commissioners. However, this hasn’t stopped many people from opting for Kemper, making it the 11th largest insurer in the country.

For active-duty military personnel or members of the National Guard who don’t own a vehicle, are deployed, or reside on a military base where they frequently use another person’s car, Kemper might be a suitable choice.

Arizona is notorious for its expensive living costs, which extend to car insurance. Factors like heavy traffic and a high number of uninsured or underinsured drivers have driven up the expenses associated with owning and insuring a car to levels that many find unmanageable.

As a result, more individuals are opting out of car ownership or relying on rental vehicles. Finding affordable non-owner car insurance is helping many Arizonians save money on insurance they no longer require.

Farmers is known for providing reliable non-owner car insurance, especially for drivers who need an SR-22 form. This form is required for those considered “high-risk” by the state due to offenses like DUIs, reckless driving, or driving uninsured.

What sets Farmers apart is its specialized services for high-risk drivers. They not only offer SR-22 insurance but also help drivers with suspended licenses to quickly reinstate them. This focus on making things easy for high-risk drivers distinguishes Farmers from other insurance companies.

In terms of pricing, Farmers offers SR-22 Insurance for just about 2% more than regular car insurance on average. This affordability, along with comprehensive coverage, makes Farmers a smart choice for Arizona drivers needing an SR-22.

Getting non-owner SR-22 insurance is a wise move for high-risk drivers who don’t own a car but still need to drive occasionally. It provides liability coverage, protecting you financially if you cause an accident while driving a borrowed or rented car.

Additionally, it helps you maintain continuous insurance coverage, demonstrating financial responsibility and avoiding potential gaps in your insurance history that could lead to higher future premiums.

Progressive is a top choice for folks seeking non-owner car insurance in Arizona, especially if you have a good driving history. Their non-owner insurance provides essential coverage for liabilities, safeguarding you from hefty expenses linked to injuries or property damage in an accident. This is crucial because Arizona law requires financial responsibility for all vehicles on its roads.

You can get Progressive non-owner car insurance through independent agents, but Progressive handles the service directly. They have solid financial ratings and a good track record for paying claims.

If you’ve got a clean driving record, you’ll enjoy lower rates for non-owner car insurance. Insurance companies see you as less risky, rewarding your safe driving habits. Plus, it helps insurers keep their losses down from claims, giving them a competitive advantage. So, keeping your driving record clean can significantly slash your premiums.

State Farm is a standout choice for non-owner car insurance in Arizona because of its competitive pricing, extensive coverage options, and top-notch customer service.

Though not the absolute cheapest, State Farm offers rates starting at $213 per year for non-owner liability coverage, which is notably lower than the state’s average of $323 annually. This coverage includes protection if you’re responsible for injury or property damage.

Moreover, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can extend to your rental car, giving you added security.

State Farm’s dedication to customer service sets it apart. They offer easy access through their phone app or dedicated contact number, ensuring policyholders get quick assistance when needed.

While price matters, exceptional customer service shouldn’t be overlooked. Insurance isn’t just about cost; it’s about having peace of mind and knowing you’ll be supported when you need it. An insurance company’s ability to handle claims promptly and provide guidance is crucial.

In Arizona, Travelers stands out as a top choice for non-owner car insurance. Their strength lies in their personalized policies and excellent customer support.

Travelers is well-known for its exceptional customer service, which is crucial when selecting an insurance company. In case of an accident or claim, it’s important to have an insurer that offers quick, efficient assistance and helps navigate the process smoothly. Travelers consistently proves its dedication to customer satisfaction, making it a dependable option for non-owner car insurance.

Alongside a wide array of coverage options like standard liability, collision, and uninsured/underinsured coverage, Travelers provides thorough protection for non-owners at a reasonable cost.

Non-owner car insurance mainly focuses on liability protection, covering damages you may cause to others. However, adding comprehensive and collision coverage can significantly bolster your protection, making it a smart decision for many drivers.

Comprehensive coverage shields you from incidents not related to collisions, such as theft, vandalism, or damage from natural disasters, ensuring you’re not financially burdened by such events.

Meanwhile, collision coverage offers protection if you’re in an accident with another vehicle or object, regardless of fault.