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

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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

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

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

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

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

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

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.