Non-Owner Car Insurance
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Non-Owner Car Insurance — Arkansas

An Arkansas non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, and can file an SR-22 if the state requires one. You get bodily-injury and property-damage coverage that follows you when driving borrowed, rented, or shared cars—secondary to any policy on the vehicle itself.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Non-Owner Liability Requirements in Arkansas

Arkansas requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage—the floor a non-owner policy must carry. Arkansas is an at-fault state, so the at-fault driver's liability coverage pays for injuries and damage. For drivers who need proof of financial responsibility after a reportable accident or Safety Responsibility action, Arkansas requires an SR-22 filing for 3 years under 27 CAR §30-182, and a non-owner policy can satisfy that filing without owning a vehicle.

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25/50 minimum
Bodily Injury Liability
Pays for injuries you cause to others while driving a car you don't own. Arkansas requires $25,000 per person and $50,000 per accident. A non-owner policy sits behind any coverage on the car you're driving, so if the owner's policy pays first, yours covers the gap up to your limit.
$25,000 minimum
Property Damage Liability
Covers damage you cause to another person's vehicle or property. Arkansas sets the floor at $25,000. Because a non-owner policy is secondary, it only pays after the owner's policy limit is exhausted or if the owner carries no coverage.
Optional in Arkansas
Uninsured Motorist Coverage
Arkansas does not mandate uninsured motorist coverage, but carriers writing non-owner policies typically include it. With 12.1% of Arkansas motorists uninsured as of 2023, this coverage protects you when an at-fault driver has no liability insurance.
SR-22 required, 3 years
Non-Owner SR-22 Filing
Arkansas requires an SR-22 for proof of financial responsibility following a reportable accident or Safety Responsibility action. The filing lasts 3 years from the conviction date. Among carriers writing non-owner in Arkansas, Bristol West, Dairyland, Direct Auto, Farmers, GAINSCO, Geico, National General, Progressive, The General, and USAA file non-owner SR-22s.
Not included
Physical Damage Coverage
A non-owner policy never includes collision or comprehensive coverage because you own no vehicle to repair. If you damage the car you're driving, the owner's policy pays for repairs, or you pay out of pocket. Non-owner coverage is liability-only by design.
State-Mandated Minimum Coverage · Arkansas

Arkansas Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$150

Meeting the state minimum keeps you legal. See whether it's enough — get your Arkansas quote.

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What Shapes Non-Owner Costs in Arkansas

Non-owner premiums in Arkansas depend on whether you need an SR-22 filing, your driving history, and the coverage limits you choose above the state minimum. A clean-record driver maintaining continuous coverage between cars pays less than a driver filing an SR-22 after a violation. Carriers writing non-owner in Arkansas include Bristol West, Dairyland, Direct Auto, Farmers, GAINSCO, Geico, National General, Progressive, The General, Travelers, and USAA.

What Affects Your Rate

  • SR-22 filing requirement—Arkansas mandates a 3-year filing for proof of financial responsibility, and carriers charge more to file and maintain it.
  • Driving history—violations, at-fault accidents, or a suspended license push you into non-standard carriers that price higher.
  • Coverage limits—choosing 50/100/50 or 100/300/100 instead of the state minimum 25/50/25 raises premium but increases protection.
  • Uninsured motorist coverage—optional in Arkansas, but 12.1% of drivers are uninsured, so adding UM coverage increases cost and protection.
  • Carrier availability—only 13 carriers write non-owner in Arkansas, and fewer file non-owner SR-22s, so your options narrow if you need a filing.
  • Lapse history—a gap in coverage signals higher risk, and carriers price accordingly even on a non-owner policy.
Non-Owner Liability Only
25/50/25 min
You're between cars or drive borrowed vehicles regularly and want continuous coverage without a lapse. No SR-22 filing, no violations on record.
Non-Owner With SR-22
3-year filing
Arkansas requires an SR-22 for 3 years after a reportable accident or Safety Responsibility action. Filing adds cost, and fewer carriers write non-owner SR-22 policies than standard non-owner.
Non-Owner After Violation
Higher limits
A DUI, reckless driving, or at-fault accident raises premiums. Carriers may require higher limits than 25/50/25, and non-standard carriers like Bristol West, Dairyland, Direct Auto, GAINSCO, and The General specialize in this segment.

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Coverage Types

Non-Owner Liability Insurance

Bodily-injury and property-damage coverage for drivers who don't own a car. Secondary to any policy on the vehicle you're driving.

Non-Owner SR-22 Insurance

Proof of financial responsibility filed by your carrier to the state. Required for 3 years in Arkansas after certain violations.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no liability insurance. Optional in Arkansas but commonly included in non-owner policies.

Non-Standard Auto Insurance

Coverage for drivers with violations, lapses, or SR-22 requirements. Priced higher but available when standard carriers decline.

Find Your City in Arkansas

Little Rock, Arkansas cityscape and street view

Little Rock

urban
Fayetteville, Arkansas cityscape and street view

Fayetteville

suburban
Fort Smith, Arkansas cityscape and street view

Fort Smith

suburban
Sunny rural field with golden grass, green trees, and rolling hills under blue sky with white clouds

Springdale

suburban
Concrete retaining wall along road with cell tower visible behind trees against cloudy sky

Jonesboro

urban
Urban street with yellow lane markings leading to glass buildings, lined with autumn trees in warm vintage tones

Rogers

suburban
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Conway

suburban
Peaceful stream flowing through autumn forest with golden trees and smooth water captured in long exposure

Bentonville

suburban

Frequently Asked Questions

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