To get these quotes for non-owner car insurance, we used the sample profile of a 30-year-old single female living in Phoenix with a clean driving record. These quotes are for Arizona’s minimum required coverage, which includes:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage for two or more people
- $15,000 for property damage liability coverage per accident
Non-Owner SR-22 Insurance
If you get pulled over for a serious violation while driving someone else’s car, like a DUI or DWI, or get a suspended license, you might be required to get non-owner SR-22 insurance.
Non-owner SR-22 insurance is not an insurance policy. An SR-22 is a certificate your insurer provides that proves you carry the minimum amount of car insurance that’s legally required in your state. If you’re required to get non-owner SR-22 insurance, you must purchase a non-owner car insurance policy and have the insurance provider file an SR-22 with your state’s Department of Motor Vehicles (DMV).
Here are some of the car insurance companies that offer non-owner SR-22 insurance:
Factors Influencing Cost
Non-owner car insurance costs are different for every driver. Here are some factors that can impact the cost of your non-owner car insurance policy, many of which are similar to the factors that affect policies for cars you own.
Your state, city, and ZIP code can all impact the cost of your insurance policy. If you live in an area with a high crime rate, high accident rate, or high number of uninsured drivers, it’s likely that your premium will be more expensive.
Car insurance companies charge different rates for similar coverage types and coverage limits. Getting rate quotes from several companies will likely help you find the most affordable premium for your situation.