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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 premium
Auto-Owners$84
USAA$139
Geico$186
Kemper Insurance$267
Nationwide$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

AgeMaleFemale
16$2,039$1,935
17$1,572$1,463
18$1,314$1,217
19$860$818
20$755$713
21$608$583
22$562$549
23$531$518
24$506$499
25$485$498
30$450$467
35$442$462
40$436$463
45$431$454
50$427$437
55$422$429
60$425$427
65$450$442
70$480$469
75$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 rates
Moab$366
Thompson$368
Green River$373
Blanding$375
Cisco$377
Joseph$379
Monroe$379
Torrey$380
Aneth$381
Ferron$382
Richfield$382
Sevier$382
Teasdale$382
Beaver$383
Boulder$383
Elsinore$383
Wellington$384
Axtell$385
Castle Dale$385
Glenwood$385

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

Cities in UtahHighest non-owner car insurance rates
Kearns$581
West Valley City$567
Taylorsville$556
Magna$555
Murray$552
Vineyard$550
West Jordan$546
South Salt Lake$541
Midvale$535
Holladay$530
Orem$528
Cottonwood Heights$527
Salt Lake City$526
Lindon$522
Riverton$517
Sandy$515
Pleasant Grove$514
American Fork$507
Provo$507
South 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 rates
West Valley City$567
West Jordan$546
Orem$528
Salt Lake City$526
Sandy$515
Provo$507
South Jordan$505
Ogden$488
Layton$475
St. 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 premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$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:

  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

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.