Cheapest and Best Non-Owner Car Insurance in Utah (2024)

Non-owner car insurance is designed for individuals who don't own a car but still need liability coverage while driving. It provides protection for property damage and bodily injury caused to others in an at-fault accident. It does not cover personal injuries or damage to the car you’re driving.

This type of insurance is particularly beneficial for those who frequently borrow or rent vehicles, offering an additional layer of protection on the road. Non-owner car insurance is also a cost-effective means of meeting minimum car insurance requirements, especially for those with an SR-22.

The cheapest non-owner car insurance in Utah is from Auto-Owners. It’s also our top recommendation for striking a good balance between competitive rates and excellent customer service.

The cheapest non-owner car insurance in Utah is from Auto-Owners.

• Drivers with clean records: Auto-Owners ($26 per month)
• Drivers with violations: Auto-Owners ($42 per month)

On average, drivers with clean records enjoy a $16 cheaper premium with Auto-Owners than those with a history of driving violations. Insurance providers view drivers with violations as higher risk, leading to increased premiums. Shopping around and comparing rates can help you find affordable premiums from insurers that can best cater to your needs.

Drivers with clean records can find the cheapest premiums from:

• Auto-Owners: $26 per month
• GEICO: $33 per month

Based on our analysis, USAA is the most affordable option for individuals with clean driving records. It offers a wide range of coverages and discounts for active-duty military members, veterans and their families.

Auto-Owners and GEICO both offer policies that are cheaper than the national average rate of $43 per month. It's important to note that actual rates can vary depending on factors such as age, location and liability limits.

The most affordable insurance for drivers with an SR-22 is from:

• Auto-Owners: $42 per month
• GEICO: $53 per month

Based on our analysis, USAA is the most affordable option for non-owner car insurance in Utah for drivers with an SR-22. Its services are only available to the military community. Active-duty members, veterans and their families can enjoy tailored coverages, discounts and services.

Having driving violations often leads to higher premiums, as insurers consider these drivers as higher-risk clients who are prone to accidents and claims. Additionally, individuals with violations sometimes need to ask their insurers to file an SR-22 form and keep it on record for several years.

In the U.S., the average cost of non-owner car insurance for drivers with an SR-22 is $59 per month. Auto-Owners and GEICO offer rates below this national average, but actual rates can vary based on factors such as age, location, chosen coverages, deductibles and more.

Non-owner car insurance offers coverage while driving a vehicle that you don’t personally own. It protects against property damage and bodily injury to others in at-fault accidents committed while you’re driving another person’s car. However, it does not cover personal injuries or damage to the vehicle, but some insurance providers in Utah can include additional coverage for medical expenses and other liabilities. Non-owner car insurance policies differ from full coverage policies in the following ways.

The average monthly cost of non-owner car insurance in Utah is around $44, which is slightly above the national average of $43 per month. However, keep in mind that your specific car insurance premium can vary depending on factors like your age, car, location and coverage. Personal factors have more influence on car insurance premiums than location. Nevertheless, keeping an eye on every factor can help you when shopping around.

The best non-owner car insurance policies in Utah are from:

• Auto-Owners: MoneyGeek score 79 out of 100 ($26 per month)
• GEICO: MoneyGeek score 66 out of 100 ($33 per month)
• Nationwide: MoneyGeek score 58 out of 100 ($43 per month)

MoneyGeek ranked car insurance providers based on affordability, coverages, claims processing and customer service, considering J.D. Power customer satisfaction ratings and AM Best financial stability ratings. Here are our top recommendations based on these rankings.

People who frequently drive cars they don't own can benefit from non-owner auto insurance. Among the people who may need this coverage are those who borrow automobiles, rent cars or want to reinstate their driver’s licenses. Non-owner car insurance can financially protect you and help you meet the state’s minimum requirements without buying a vehicle. You can also save money in the long run, particularly if you plan to buy a car in the future.

MoneyGeek gathered a few questions you might be asking while looking for non-owner car insurance in Utah. Here are our answers to help you find the best insurance for your needs.