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

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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

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

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

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

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

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

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:

1. Contact a car insurance agent about the coverage
2. Supply 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.

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 Kasperowicz

Managing Editor

 

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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.