Car Insurance Non-owner car insurance in Utah: Which company has the cheapest rates? Residents pay an average of $436 for non-owner car insurance, but Auto-Owners and USAA offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 16, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Utah costs $436 annually, which is $56 more than the national average, according to Insure.com’s 2023 rate analysis. Many companies offer these policies in Utah, such as Geico, Kemper Insurance 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. In addition to understanding the various requirements, it’s important to learn 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? Insurance companies regard non-owner policyholders as less risky due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than regular car insurance. On average in the United States, it costs drivers with a clean driving record plus a good credit score $1,682 per year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property. In Utah, it costs $1,414. Non-owner auto insurance costs $436 in Utah and $380 on average in the U.S. by comparison. But there are various factors to consider when comparing rates, such as where in Utah you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in Utah? In Utah, Auto-Owners’ non-owner insurance policy is the cheapest at $84 a year on average. At $876 a year, State Farm charges the highest rate for non-owner insurance in the state. To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state. Cheapest non-owner insurance rates in Utah CompanyAverage annual premiumAuto-Owners$84USAA$139Geico$186Kemper Insurance$267Nationwide$410 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Utah by age? Age is also important when it comes to pricing. 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. Utah non-owner insurance costs, on average, $1,987 a year for a 16-year-old, whereas it’s $443 for a 45-year-old driver. Average non-owner car insurance rates in Utah by age and gender AgeMaleFemale16$2,039$1,93517$1,572$1,46318$1,314$1,21719$860$81820$755$71321$608$58322$562$54923$531$51824$506$49925$485$49830$450$46735$442$46240$436$46345$431$45450$427$43755$422$42960$425$42765$450$44270$480$46975$537$514 Which Utah cities have the cheapest non-owner auto insurance? There’s a great deal of variation from city to city when it comes to rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States. Below are charts displaying the cities in Utah that have the least and most expensive non-owner auto insurance rates. The 20 Utah cities with the lowest non-owner car insurance rates Cities in UtahLowest non-owner car insurance ratesMoab$366Thompson$368Green River$373Blanding$375Cisco$377Joseph$379Monroe$379Torrey$380Aneth$381Ferron$382Richfield$382Sevier$382Teasdale$382Beaver$383Boulder$383Elsinore$383Wellington$384Axtell$385Castle Dale$385Glenwood$385 The 20 Utah cities with the highest non-owner auto insurance rates Cities in UtahHighest non-owner car insurance ratesKearns$581West Valley City$567Taylorsville$556Magna$555Murray$552Vineyard$550West Jordan$546South Salt Lake$541Midvale$535Holladay$530Orem$528Cottonwood Heights$527Salt Lake City$526Lindon$522Riverton$517Sandy$515Pleasant Grove$514American Fork$507Provo$507South Jordan$505 How much is non-owner car insurance in Utah’s 10 biggest cities? The largest cities in Utah can have significantly different non-owner insurance rates. The non-owner insurance price in West Valley City is the highest at $567. St. George has the cheapest rates among the state’s most populous cities at $441. Non-owner auto insurance rates in Utah’s 10 largest cities 10 largest cities in UtahNon-owner car ratesWest Valley City$567West Jordan$546Orem$528Salt Lake City$526Sandy$515Provo$507South Jordan$505Ogden$488Layton$475St. George$441 How non-owner insurance rates in Utah compare to rates in other states The rates for non-owner auto insurance will vary between states, too. The average non-owner insurance rate in Utah is $436, which is more than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner auto 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: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a non-owner insurance policy, you’ll need to call your insurer rather than get an online quote. “You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Below are a few insurers with contact 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 2023 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Utah? Which insurer offers the cheapest non-owner insurance rates in Utah? How much is non-owner car insurance in Utah by age? Which Utah cities have the cheapest non-owner auto insurance? How much is non-owner car insurance in Utah's 10 biggest cities? How non-owner insurance rates in Utah compare to rates in other states How to get non-owner auto insurance in Utah Get instant quotes now ! Please enter valid zip Get quote