insure logo

Why you should trust Insure.com

quality icon

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 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 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

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?

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 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
Royal Palm Beach$384
Axtell$385
Castle Dale$385
Glenwood$385

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

Cities in UtahHighest non-owner car insurance rates
Kearns$581
South Salt Lake$567
Bethlehem$556
Magna$555
Murray$552
Vineyard$550
West Jordan$546
Holladay$530
Orem$528
Cottonwood Heights$527
Salt Lake City$526
Lindon$522
Riverton$517
Midvale$515
Pleasant Grove$514
American Fork$507
Provo$507
South Jordan$505
Layton$475
Ogden$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 rates
West Jordan$546
Orem$528
Salt Lake City$526
Provo$507
South Jordan$505
Layton$475
Ogden$469
St. George$441
Thompson$368
Moab$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 premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
Georgia$373
National Average$353
Pennsylvania$337
California$323
Ohio$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:

  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.

author image
Leslie Kasperowicz
Managing 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.