Non-Owner Car Insurance in Utah: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Utah is $660 per year. GEICO offers the cheapest widely available policy with an average rate of $259 annually. MoneyGeek’s comprehensive guide explains how non-owner car insurance in Utah works and helps you find the best policy for your needs.

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Last Updated: 8/16/2022

Non-owner car insurance in Utah is an ideal option for those who regularly rent cars and use car-sharing services. Purchasing non-owner car insurance in Utah is also cheaper for drivers with a clean record, costing $660 per year on average compared to a policy for those convicted of a DUI, which costs an average of $801 annually.

MoneyGeek researched non-owner car insurance quotes from several insurers and explains when you should and shouldn’t purchase this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Utah

Non-owner car insurance is a more affordable alternative to a traditional auto insurance policy. To save even more money, you can compare rates from different insurance providers.

On average, MoneyGeek found that the companies offering the cheapest non-owner car insurance in Utah are:

  • GEICO: $259 per year
  • Farmers: $595 per year

USAA offers the most affordable rate at roughly $214 per year. However, these policies are only available to members of the military and their families.

The most expensive option is from State Farm, with an average rate of $1,520 per year.

The rates in this analysis are based on a 40-year-old driver in Utah with limits specified in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Utah

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $214
    $18
  • GEICO
    $259
    $22
  • Farmers
    $595
    $50
  • Nationwide
    $639
    $53
  • Progressive
    $696
    $58
  • State Farm
    $1,520
    $127
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How Much Is Non-Owner Car Insurance in Utah?

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Non-owner car insurance in Utah with a clean record costs about $660 per year, while a traditional policy for the same driver costs $767 on average.

Maintaining a clean record is one of the best ways to save on premiums because drivers with violations, specifically a DUI, will have to pay around $801 for non-owner car insurance and $1,139, on average, for a regular policy.

Cheapest SR-22 Non-Owner Car Insurance Companies in Utah

Drivers convicted of a DUI will need to file an SR-22 to get their license reinstated. Non-owner car insurance is an affordable option when filing an SR-22 in Utah.

On average, you can find the cheapest rates for drivers with a DUI from the following companies:

  • GEICO: $520 per year
  • Nationwide: $752 per year

USAA offers the most affordable rate in Utah for non-owner insurance with a DUI, costing an average of $386 per year, but this is only available to those with military backgrounds.

State Farm has the most expensive SR-22 car insurance at an average of $1,520 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Utah

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $386
    $32
  • GEICO
    $520
    $43
  • Nationwide
    $752
    $63
  • Progressive
    $802
    $67
  • Farmers
    $823
    $69
  • State Farm
    $1,520
    $127
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Utah?

Non-owner car insurance is an ideal option for those who drive a lot but don’t have a vehicle of their own. A non-owner car insurance policy, also known as non-owner liability insurance, includes liability insurance and other coverages mandated by the state. However, it doesn’t include comprehensive and collision insurance, also known as a full coverage policy.

On the other hand, drivers have the option to add uninsured motorist coverage, which pays for damages caused by an uninsured driver in an accident.

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As mandated by the state, the minimum liability insurance coverage in Utah includes:

  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • $3,000 personal injury protection

Who Should Get Non-Owner Car Insurance in Utah?

There are several reasons why drivers opt for non-owner car insurance in Utah instead of a traditional policy.

  • You need insurance to get your license reinstated: Drivers with a DUI on their record need to get insured to reinstate their license. A non-owner car insurance policy fulfills this requirement as it serves as proof of financial responsibility.
  • If you frequently rent cars or use car-sharing services: If you regularly use rental vehicles or car-sharing services, non-owner car insurance is an affordable way to make sure you are covered in the event of an accident. It’s also more affordable than traditional car insurance in the long run.
  • If you temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: Drivers who temporarily don’t have a car and are trying to avoid a coverage lapse may want to have a cheaper alternative by getting non-owner car insurance. This can save you money because insurers may significantly increase your rates if you have a period of time when you don’t have insurance.

Who Shouldn’t Get Non-Owner Car Insurance in Utah?

There are also situations where you don’t need to get non-owner car insurance. If you live in Salt Lake City and borrow a car with the owner’s permission, you’ll be covered under their policy. Therefore, you don’t need non-owner car insurance.

It’s also unnecessary to get non-owner car insurance if you don’t rent cars frequently. For example, if you rent a car to travel outside of Utah only once or twice a year, rental car insurance from the rental company is a more cost-effective option.

How to Get Non-Owner Car Insurance in Utah

MoneyGeek verified that all the companies listed in this guide offer non-owner car insurance in Utah. Since insurance providers typically don’t publish their rates online for these policies, calling them directly using the contact information below is the best way to get a quote.

Contact Non-Owner Car Insurance Companies in Utah
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Farmers
    888-327-6335
  • Nationwide
    877-669-6877
  • Progressive
    888-671-4405
  • State Farm
    800-782-8332

Frequently Asked Questions About Utah Non-Owner Car Insurance

Some drivers can get confused about the difference between non-owner car insurance and traditional auto insurance. To help you understand the distinction, here are the answers to some of the most frequently asked questions about non-owner car insurance in Utah:

Methodology

MoneyGeek analyzed data collected from insurance companies in Utah with the help of Quadrant Information Services. Rates were based on a 40-year-old driver with a clean record as well as one with a DUI. These non-owner car insurance policies met the state’s minimum requirements with the exception of liability insurance, which had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The same limits apply to a traditional insurance policy.

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