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

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.

TABLE OF CONTENTS

1. Cheapest Non-Owner Car Insurance
2. Cheapest Non-Owner SR-22 Car Insurance
3. What is Non-Owner Car Insurance
4. Who Should Get Non-Owner Car Insurance

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?

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

Show more

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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.

MONEYGEEK EXPERT TIP

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

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.

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

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: