Question 1

What does non-owner car insurance cover in Arizona?

Accepted Answer

A non-owner policy in Arizona covers bodily injury and property damage liability — at least the state's 25/50/25 minimum — when you drive a car you don't own. It does not cover collision, comprehensive, or any physical damage to the car you're driving, because you own no vehicle. Most policies include uninsured motorist coverage even though Arizona does not mandate it.

Question 2

Can I get an SR-22 without owning a car in Arizona?

Accepted Answer

Yes. Arizona allows SR-22 filing on a non-owner policy when you need proof of financial responsibility but own no vehicle. The filing period is typically 3 years for DUI, uninsured accidents, and points suspensions under A.R.S. §28-4135. Carriers filing non-owner SR-22 in Arizona include Dairyland, GAINSCO, Geico, Progressive, State Farm, The General, and USAA.

Question 3

Which carriers write non-owner insurance in Arizona?

Accepted Answer

Carriers writing non-owner policies in Arizona include Dairyland, GAINSCO, Geico, Progressive, The General, and USAA. For drivers needing SR-22 filing, the subset that files non-owner SR-22 in the state includes Acceptance, Bristol West, Dairyland, GAINSCO, Geico, Infinity, Kemper, National General, Progressive, State Farm, The General, and USAA.

Question 4

Does Arizona require uninsured motorist coverage on a non-owner policy?

Accepted Answer

No. Arizona does not mandate uninsured or underinsured motorist coverage by statute, but most non-owner policies include it as a standard feature to protect you when the at-fault driver has no insurance or insufficient limits.

Question 5

How long does Arizona require SR-22 filing after a DUI?

Accepted Answer

Arizona requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date under A.R.S. §28-1385. A non-owner policy can carry the SR-22 when you have no car to insure. Lapse during the 3-year period triggers immediate license suspension.

Question 6

Can I use a non-owner policy to reinstate my Arizona license?

Accepted Answer

Yes, when Arizona MVD requires SR-22 proof of financial responsibility as a reinstatement condition. A non-owner policy carrying the SR-22 satisfies the requirement without owning a car. Reinstatement also requires paying the base fee ($10 for most suspensions, $50 for DUI revocations) and completing any court-ordered alcohol screening or ignition interlock requirements under A.R.S. §28-3319.

Question 7

Does a non-owner policy cover rental cars in Arizona?

Accepted Answer

A non-owner policy provides secondary liability coverage when you rent a car — it sits behind the rental company's liability policy and your credit card coverage if any. It does not cover physical damage to the rental car; you need the rental company's collision damage waiver or your own comprehensive and collision coverage for that, which a non-owner policy never includes.

Coverage	Minimum
Bodily Injury (per person)	$25,000
Bodily Injury (per accident)	$50,000
Property Damage	$15,000

Non-Owner Car Insurance — Arizona

Arizona Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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