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

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ByMark Fitzpatrick
Edited byScott Strandberg
ByMark Fitzpatrick
Edited byScott Strandberg

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

Why Trust MoneyGeek? MoneyGeek sourced Utah data from Quadrant Information Services and examined customer and claims satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

144Plans Analyzed
8Providers Compared

Cheapest Non-Owner Car Insurance in Utah

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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Utah

Drivers with clean records can find the cheapest premiums from:

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.

Auto-Owners Insurance CoCheapest Annual Premium$315Cheapest Monthly Premium$26
GEICOCheapest Annual Premium$401Cheapest Monthly Premium$33
NationwideCheapest Annual Premium$513Cheapest Monthly Premium$43
ProgressiveCheapest Annual Premium$596Cheapest Monthly Premium$50
FarmersCheapest Annual Premium$622Cheapest Monthly Premium$52
KemperCheapest Annual Premium$630Cheapest Monthly Premium$52
UnitrinCheapest Annual Premium$630Cheapest Monthly Premium$52
State FarmCheapest Annual Premium$784Cheapest Monthly Premium$65
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The minimum coverage requirements in Utah are the same for car insurance and non-owner car insurance. Your policy should at least have the following liability limits:

  • $25,000 for bodily injury liability per person
  • $65,000 for bodily injury liability per accident
  • $15,000 for property damage liability per accident
  • $3,000 for Personal Injury Protection (PIP)

These coverage limits might not offer adequate financial protection, so it is essential to assess your individual requirements to know how much coverage you need.

Cheapest Non-Owner SR-22 Car Insurance in Utah

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

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.

Auto-Owners Insurance CoCheapest Annual Premium$500Cheapest Monthly Premium$42
GEICOCheapest Annual Premium$641Cheapest Monthly Premium$53
NationwideCheapest Annual Premium$736Cheapest Monthly Premium$61
State FarmCheapest Annual Premium$842Cheapest Monthly Premium$70
ProgressiveCheapest Annual Premium$861Cheapest Monthly Premium$72
UnitrinCheapest Annual Premium$864Cheapest Monthly Premium$72
KemperCheapest Annual Premium$864Cheapest Monthly Premium$72
FarmersCheapest Annual Premium$960Cheapest Monthly Premium$80
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An SR-22 is required by the state for drivers involved in high-risk driving events. It is not a type of insurance. It’s a certificate that you need to keep on file for a few years. Its goal is to verify that these drivers have sufficient insurance to comply with state laws. Filing an SR-22 in Utah is a prerequisite to reinstating your suspended driver’s license or vehicle registration.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Utah

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Utah Average Cost

Monthly Premium

On average, non-owner car insurance in Utah is:$1 more

This is 2% more expensive.

Best Non-Owner Car Insurance in Utah

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.

Third Place

Auto-Owners is our top pick for non-owner car insurance in Utah. It offers the cheapest premiums at $26 per month. It also has the highest claims management score and ranks second for customer satisfaction. Auto-Owners also provides roadside assistance and rental car and/or travel reimbursement coverage, two features that can come in handy during emergencies.

Read the full Auto-Owners car insurance review.

MoneyGeek Top Pick

Our runner-up for non-owner car insurance in Utah is GEICO, as it offers a combination of affordable rates and quality customer service. With a monthly premium of $33, GEICO stands as one of the cheapest options for non-owner car insurance. It offers essential coverages like roadside assistance, rental car reimbursement and accident forgiveness. These coverages may be beneficial when you need emergency repairs or cause an accident. GEICO provides discounts for bundling policies and rewarding seat belt usage.

Read the full GEICO car insurance review.


Nationwide ranks third for non-owner car insurance in Utah. Nationwide's customer complaint ratio, as reported by the National Association of Insurance Commissioners (NAIC), stands at an impressive 0.53, well below the national median of 1.00. This means the company receives far fewer complaints than the typical insurer. However, Nationwide has a mediocre overall customer satisfaction score, although it does rank second in Utah for claims management.

Read the full Nationwide car insurance review.

Should You Get Non-Owner Car Insurance in Utah?

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.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance financially protects frequent car borrowers from liabilities in case of an at-fault accident. It provides third-party injury and property coverage. It serves as an additional safety net and offers peace of mind both for the driver and the owner of the vehicle.

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    Occasional renters

    Non-owner car insurance helps you fulfill insurance requirements from car rental companies or car-sharing services. It eliminates the need for an individual car insurance policy and serves as a more cost-effective alternative to rental company insurance. It can even lead to better insurance rates when you eventually own a car because it provides consistent financial protection.

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    Drivers between cars

    In situations where your car is totaled, or you've opted to switch vehicles in advance, it's wise to stay covered by insurance. Non-owner car insurance ensures you remain protected while driving a temporary vehicle.

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    License reinstatement seekers

    For individuals with an SR-22 requirement, non-owner car insurance provides a cheap solution to meet the minimum coverage requirements. By presenting that you’re still covered by insurance, you can demonstrate financial responsibility, even though you don’t own a car. If your license has been suspended, this type of insurance can help you get an SR-22.

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MoneyGeek does not recommend purchasing one-day insurance as temporary coverage in Utah. These might be scams, as they lack proper recognition from the state. As a result, they may not be regulated and could even be a scam. To ensure reliable short-term coverage, it's best to purchase rental car insurance directly from a reputable car rental company.

Frequently Asked Questions About Non-Owner Car Insurance in Utah

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.

Which company offers the cheapest non-owner car insurance in Utah?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Utah?
How much does non-owner car insurance cost in Utah?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.