Utah's cheapest non-owner car insurance is from Auto-Owners at just $26 a month, below the state average of $44 for minimum coverage.
Cheapest Non-Owner Car Insurance in Utah
Updated: May 14, 2026
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Best Cheap Non-Owner Car Insurance in Utah: Key Takeaways
Auto-Owners offers the most affordable non-owner SR-22 car insurance for those with a driving incident in Utah, with an average monthly cost of $42.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often rent cars, borrow vehicles or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Utah
| Auto-Owners | $315 | $26 |
| GEICO | $401 | $33 |
| Nationwide | $513 | $43 |
| Progressive | $596 | $50 |
| Farmers | $622 | $52 |
| Kemper | $630 | $52 |
| Unitrin | $630 | $52 |
| State Farm | $784 | $65 |
Cheapest Non-Owner SR-22 Car Insurance in Utah
Auto-Owners offers Utah's most affordable SR-22 non-owner policies, averaging $42 a month, compared to the state average of $65 for minimum coverage.
| Auto-Owners | $500 | $42 |
| GEICO | $641 | $53 |
| Nationwide | $736 | $61 |
| State Farm | $842 | $70 |
| Progressive | $861 | $72 |
| Unitrin | $864 | $72 |
| Kemper | $864 | $72 |
| Farmers | $960 | $80 |
How Much Is Non-Owner Car Insurance in Utah?
Utah's average monthly non-owner car insurance cost is $44, just above the national average of $43. SR-22 coverage averages $65, compared to $48 nationally. Your driving history will affect your premium.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
$43
Monthly Premium
vs
Utah Average Cost
$44
Monthly Premium
On average, non-owner car insurance in Utah is$1 SAVED
Utah Non-Owner Car Insurance: Buyer's Guide
What Is Non-Owner Car Insurance?
Non-owner insurance suits those who drive often without owning a car. It covers liability if you cause an accident. Below is a comparison of non-owner and regular insurance plans.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Utah Allow Non-Owner Car Insurance?
Utah allows non-owner insurance for drivers who don't own a car but need coverage. If you must file an SR-22, affordable options are available from insurers that provide the certificate with the policy. To get non-owner coverage, collect your driver's license and Social Security number before contacting an insurer. Review how to get car insurance without a car for the required documents.
UTAH MINIMUM INSURANCE REQUIREMENTS
Utah's minimum coverage requirements apply to non-owner car insurance policies. The limits are:
- $25,000 in bodily injury liability per person
- $65,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $3,000 personal injury protection (PIP) per person
These minimums may not be enough for everyone. Review how much coverage you need before buying a policy to get adequate financial protection.
Should You Get Non-Owner Car Insurance in Utah?
Non-owner insurance suits drivers who don't own a car but drive occasionally. It's affordable and meets state minimum requirements. It also covers liability costs when you rent or borrow a car.
AVOID ONE-DAY CAR INSURANCE
"One-day insurance" isn't a real product in Utah. For temporary coverage, buy insurance through a car rental company. It's a practical choice for short-term needs like a move or road trip.
If you own a vehicle, a non-owner policy won't apply. Our cheapest car insurance in Utah page compares standard coverage rates by provider.
Who Should Consider Non-Owner Car Insurance?
Non-owner car insurance makes sense for these drivers:
- Car borrowers
Non-owner insurance covers liability in an accident while driving someone else's vehicle. It offers coverage without requiring regular access to the car.
Vehicle rentersNon-owner car insurance provides more affordable coverage than rental agency policies, especially for frequent renters.
Drivers between carsDrivers who don't own a vehicle but plan to buy one should get non-owner insurance to avoid coverage gaps that could increase future premiums.
License reinstatement-seekersNon-owner car insurance is a cost-effective way to meet the insurance requirement for reinstating a driver's license after suspension.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility (CFR), is a form your insurance company sends to the DMV to show you meet the minimum coverage requirement. Drivers often need an SR-22 after violations like a DUI or driving without insurance to drive again legally.
Cheap Non-Owner Car Insurance in Utah: Bottom Line
Non-owner car insurance is available in Utah, including policies with SR-22 filing for drivers who need it. Auto-Owners is the most affordable option, followed by GEICO and Nationwide. For the best deal, compare quotes from multiple insurers.
Non-Owner Car Insurance in Utah: FAQ
Auto-Owners offers the most affordable non-owner car insurance in Utah at $26 a month. It also provides the lowest SR-22 rate.
Non-owner car insurance in Utah averages $561 a year or $47 a month for drivers with a clean record. For drivers who need SR-22 filing, the cost rises to around $783 a year or $65 a month.
Utah Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek gathered Utah auto insurance rates from the Utah Insurance Department and Quadrant Information Services. We examined 240 quotes from eight providers to identify the state's best and most affordable options.
Coverage Levels
All rates reflect minimum coverage policies from non-owner car insurance companies in Utah. The required limits are:
- $25,000 in bodily injury liability per person
- $65,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $3,000 personal injury protection (PIP) per person
Drivers and Cars in Utah
We gathered non-owner car insurance rates in Utah using this sample driver profile:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
MoneyGeek's car insurance methodology explains how we gathered and analyzed these rates.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.