Non Owner Car Insurance in Arizona: Everything You Need to Know

Non owner car insurance policies provide liability coverage for drivers who don’t own a car. This type of insurance is ideal if you only drive vehicles that belong to others.

In Arizona, a non owner policy can protect you financially if you cause an accident while driving a borrowed or rented car. It provides the state minimum liability coverage in case you injure someone or damage their property.

This comprehensive guide will explain everything you need to know about non owner car insurance in Arizona, including:

• What non owner policies cover
• Who needs this type of insurance
• How to get a non owner policy
• Average costs
• Top insurance providers
• Frequently asked questions

What Does Non Owner Car Insurance Cover in Arizona?

A non owner policy provides basic liability protection in Arizona. This covers injuries or property damage you cause to others when driving a car you don’t own.

Arizona requires all drivers to carry at least 15/30/10 minimum liability coverage:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $10,000 property damage liability

Non owner policies only include liability insurance because there is no specific car to insure. They do not provide collision, comprehensive, uninsured motorist, or personal injury protection.

However, you may be able to add uninsured motorist or PIP to a non owner policy for extra protection. Discuss options with an agent when requesting quotes.

Who Needs Non Owner Car Insurance in Arizona?

There are several situations where a non owner policy makes sense:

You Want Continuous Coverage

Canceling your auto policy creates a gap in insurance history. This looks bad to future insurers, even if you don’t have a car.

Switching to a non owner policy avoids lapses so you have continuous coverage.

Court Ordered Insurance

Major traffic violations like a DUI require you to file an SR-22 and maintain insurance. A non owner policy provides the required proof of coverage.

Frequent Car Rentals

Renting cars regularly? A non owner policy can be cheaper than paying for liability from the rental company. Verify it covers rentals first.

Borrowing Cars Often

Non owner insurance supplements the main policy after an accident. If damages exceed the owner’s limits, your policy kicks in as secondary coverage.

When You May NOT Need Non Owner Insurance

Non owner car insurance is not necessary if:

• You own a car. Arizona requires liability coverage for all vehicle owners. Consider adding collision, comprehensive, and other protections too.

• You borrow the same car regularly. Ask to be listed on that policy as a driver. This applies to a spouse’s, family member’s, roommate’s, etc. vehicle that you use frequently.

• You cannot legally drive. Valid ID is required to get a policy.

• You drive for work. Look into commercial non owner coverage instead. Company cars likely have sufficient insurance already.

How to Get Non Owner Car Insurance in Arizona

You’ll need to speak with an agent to get a quote and purchase non owner insurance. Online quotes are not available.

To buy a policy you’ll need:

• Valid driver’s license number
• Summary of driving history
• Credit or debit card

With required information, you can often get proof of insurance the same day. Coverage starts as soon as payment is processed.

Here are major insurers offering non owner insurance in Arizona:

• Geico: (800) 207-7847
• State Farm: (800) 782-8332
• Nationwide: (877) 669-6877
• Dairyland: (800) 334-0090

Of the top 10 largest insurers in the U.S., only Geico, State Farm, and Nationwide provide non owner insurance in every state.

How Much Does Non Owner Insurance Cost in Arizona?

The average annual premium for a non owner policy in Arizona is $491. In comparison, minimum coverage for an owner policy costs around $720 per year.

Your exact rate depends on factors like:

• Amount of liability coverage
• Adding uninsured motorist or PIP
• Driving and credit history
• Age, marital status, location

Rates are cheaper without a vehicle to insure, but premiums consider your risk profile. Less than perfect credit or driving record leads to higher prices.

Frequently Asked Questions

Below are answers to some common questions about non owner car insurance in Arizona:

Can I get car insurance without owning a vehicle?

Yes, non owner liability policies are specifically for those who drive cars not registered in their name and have no household vehicles.

Does non owner insurance cover collision damage?

No, there is no collision or comprehensive coverage. Those insure physical damage to a specific car. Liability only covers injury/damage to others.

Does non owner insurance cover rentals?

Some policies extend coverage to rental cars. Confirm with your provider. Rental companies also offer liability insurance.

Can I add uninsured motorist coverage?

Most insurers allow you to add uninsured motorist protection to a non owner policy for extra safety. Discuss options with an agent.

Is non owner insurance required in Arizona?

No, non owner insurance is optional. But liability coverage is required if you own or regularly drive a car. Non owner policies satisfy requirements if you can’t get a regular policy.

The Bottom Line

A non owner liability policy is a smart choice if you ever drive borrowed, rented, or company cars. It protects you if you cause an accident without owning your own vehicle.

Make sure to compare premium estimates from at least three top insurers in Arizona. This ensures you get the right level of coverage at the best possible rate.