Non-owner car insurance in Utah: Which company has the cheapest rates?

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Non-owner auto insurance in Utah costs $603 per year, which is $196 more than the rest of the country on average, according to a rate analysis by Insure.com.

In Utah, non-owner policies are available from companies such as Auto-Owners, GEICO and Nationwide.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Utah.

How much does non-owner auto insurance cost in Utah?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,513 annually for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $2,250 in Utah.

Alternatively, non-owner car insurance is $407 a year on average in the United States and $603 in Utah.

But actual rates are based on your age and driving history and also where in state you live.

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Which insurer offers the cheapest non-owner insurance rates in Utah?

In Utah, Auto-Owners’s non-owner insurance policy is the cheapest at $114 a year.

At $1,267 a year, State Farm charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Utah

How much is non-owner car insurance in Utah by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Utah, a 45-year-old will pay an average of $586 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $2,710.

Average non-owner auto insurance rates in Utah by age and gender

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Which Utah cities have the cheapest non-owner car insurance?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Utah.

The 20 Utah cities with the lowest non-owner auto insurance rates

The 20 Utah cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Utah’s 10 biggest cities?

The most populous cities in Utah have varying non-owner insurance rates. The cost of non-owner insurance in West Valley City is the most expensive at $831; St. George has the cheapest rates of the largest cities in the state at $619.

Non-owner auto rates in Utah’s 10 largest cities

How non-owner insurance rates in Utah compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Utah is $603 a year, which is higher than the national average of $407.

Non-owner auto insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Utah

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Share your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• GEICO: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2025 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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