Non-Owner Car Insurance — Arizona
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Non-Owner Liability Requirements in Arizona
Arizona does not require PIP or uninsured motorist coverage by statute, but most non-owner policies include uninsured motorist protection. For drivers under an SR-22 filing requirement, a non-owner policy satisfies the state's proof-of-financial-responsibility mandate without owning a car, and the filing period is typically 3 years measured from the conviction or suspension date.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Non-Owner SR-22 Filing
What Non-Owner Does Not Cover
What Shapes Non-Owner Costs in Arizona
$28–$54/mo
Typical monthly rate in Arizona, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- SR-22 filing requirement — Arizona mandates 3-year SR-22 for DUI, uninsured accidents, and points suspensions; filing adds cost and limits carrier options to those writing non-owner SR-22 in the state.
- Driving history — DUI, at-fault accidents, and license suspensions raise premiums; Arizona's electronic insurance verification system (AIVS) tracks lapses and suspensions in real time.
- Liability limits chosen — carrying 50/100/50 or 100/300/100 instead of Arizona's 25/50/25 minimum increases premium but protects assets above the floor.
- Restricted license status — drivers on Arizona's Restricted Driver License with ignition interlock under A.R.S. §28-3319 face higher non-owner premiums due to DUI history.
- Continuous coverage history — a lapse triggers Arizona MVD registration suspension under A.R.S. §28-4144; non-owner policies prevent gaps between owned vehicles.
- Carrier tier — standard carriers like Geico and Progressive offer lower rates for clean records; non-standard specialists like GAINSCO and The General serve post-violation drivers at higher cost.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What does non-owner car insurance cover in Arizona?
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.
Can I get an SR-22 without owning a car in Arizona?
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.
Which carriers write non-owner insurance in Arizona?
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.
Does Arizona require uninsured motorist coverage on a non-owner policy?
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.
How long does Arizona require SR-22 filing after a DUI?
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.
Does a non-owner policy cover rental cars in Arizona?
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 Types
Non-Owner Liability Insurance
Bodily injury and property damage coverage for drivers who don't own a car. Carries at least Arizona's 25/50/25 minimum and sits behind any policy on the car you're driving.
Non-Owner SR-22 Insurance
SR-22 filing attached to a non-owner policy, satisfying Arizona's proof-of-financial-responsibility requirement when you have no car to insure. Required for DUI, uninsured accidents, and points suspensions.
Uninsured Motorist Coverage
Protects you when the at-fault driver has no insurance or insufficient limits. Not required by Arizona statute but commonly included in non-owner policies.
Non-Standard Auto Insurance
Coverage for drivers with DUI, suspended license, or major violations. Non-standard carriers specialize in high-risk profiles and file non-owner SR-22 when required.