Car Insurance Non-owner car insurance in Utah: Which company has the cheapest rates? The average cost in Utah for a non-owner car insurance policy is $436 a year, but companies such as Auto-Owners and USAA offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 13, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Utah costs $436 a year, which is $83 more than the U.S. average, according to an Insure.com 2023 rate analysis. In Utah, non-owner policies are available from companies such as Geico, Kemper Insurance and Nationwide. “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 car insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle. On average in the United States, it costs a driver with a clean driving record and good credit score $1,682 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 $1,414 in Utah. On the other hand, non-owner auto insurance is $353 a year on average in the U.S. and $436 in Utah. But actual rates are based on where in Utah you live, your age and driving history and other points. Which insurer offers the cheapest non-owner insurance rates in Utah? With an average annual cost of $84, Auto-Owners’ non-owner insurance policy is Utah’s most affordable. 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 an important factor 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, while 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? Rates differ from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. The tables below display 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$383Royal Palm Beach$384Axtell$385Castle Dale$385Glenwood$385 The 20 Utah cities with the highest non-owner car insurance rates Cities in UtahHighest non-owner car insurance ratesKearns$581South Salt Lake$567Bethlehem$556Magna$555Murray$552Vineyard$550West Jordan$546Holladay$530Orem$528Cottonwood Heights$527Salt Lake City$526Lindon$522Riverton$517Midvale$515Pleasant Grove$514American Fork$507Provo$507South Jordan$505Layton$475Ogden$469 How much is non-owner auto insurance in Utah’s 10 biggest cities? The largest cities in Utah have different non-owner insurance rates. The cost of non-owner insurance in West Jordan is the most expensive at $546, while Moab has the cheapest rates of the largest cities in the state at $366. Non-owner auto rates in Utah’s 10 largest cities 10 largest cities in UtahNon-owner car ratesWest Jordan$546Orem$528Salt Lake City$526Provo$507South Jordan$505Layton$475Ogden$469St. George$441Thompson$368Moab$366 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 $436 a year, which is more than the national average of $353. 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$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-ownerauto insurance in Utah Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card. 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 Often, you’ll receive proof of insurance very quickly. For a quote on a non-owner insurance policy, don’t go online and call your insurer instead. “The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance. Below are a few insurers with their 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 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. Leslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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... What is Full Coverage Car Insurance? 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