Utah's cheapest non-owner car insurance is from Auto-Owners at just $26 monthly, below the state average of $44 for minimum coverage. Explore other cost-effective options in the table below.
Cheapest Non-Owner Car Insurance in Utah
Updated: February 3, 2025
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Best Cheap Non-Owner Car Insurance in Utah: Key Takeaways
Auto-Owners offers the most affordable non-owner SR-22 car insurance for those with a driving incident in Utah, with an average monthly cost of $42.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you often rent cars, borrow vehicles or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Utah
| Auto-Owners | $315 | $26 |
| GEICO | $401 | $33 |
| Nationwide | $513 | $43 |
| Progressive | $596 | $50 |
| Farmers | $622 | $52 |
| Kemper | $630 | $52 |
| Unitrin | $630 | $52 |
| State Farm | $784 | $65 |
Cheapest Non-Owner SR-22 Car Insurance in Utah
Auto-Owners offers Utah's most affordable SR-22 non-owner policies, averaging $42 monthly, compared to the state average of $65 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $500 | $42 |
| GEICO | $641 | $53 |
| Nationwide | $736 | $61 |
| State Farm | $842 | $70 |
| Progressive | $861 | $72 |
| Unitrin | $864 | $72 |
| Kemper | $864 | $72 |
| Farmers | $960 | $80 |
How Much Is Non-Owner Car Insurance in Utah?
Utah's average monthly non-owner car insurance cost is $44, slightly above the national average of $43. SR-22 coverage costs about $65, compared to $48 nationally. Your driving history will affect your premium.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Utah Average Cost
Monthly Premium
$44On average, non-owner car insurance in Utah is:$1 more
This is 2% more expensive.
Utah Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is right for them. It explains the coverage, compares it to standard policies, highlights costs and identifies who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance suits those who drive often without owning a car. It covers liability if you cause an accident. Below is a comparison of non-owner and regular insurance plans.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Utah Allow Non-Owner Car Insurance?
Utah allows non-owner insurance for drivers without a car but needing coverage. If you must file an SR-22, affordable options are available from insurers that provide the certificate with the policy.
UTAH MINIMUM INSURANCE REQUIREMENTS
Utah's minimum coverage requirements extend to non-owner car insurance policies. The limits are:
- $25,000 in bodily injury liability per person
- $65,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $3,000 personal injury protection (PIP) per person
These minimums may not suffice for everyone. Evaluate how much coverage you need before purchasing a policy to ensure adequate financial protection.
Should You Get Non-Owner Car Insurance in Utah?
Non-owner insurance is ideal for drivers who don't own a car but drive occasionally. It’s affordable, meets state minimum coverage and protects you when renting or borrowing a vehicle. Consider your driving habits to see if it fits your needs.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Utah, as they aren't legitimate. For safer temporary coverage, consider purchasing insurance through a car rental company, especially for short-term needs like a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance protects against liability in an accident while driving someone else's vehicle. It offers coverage without requiring regular access to the car.
Occasional renters
Non-owner car insurance provides more affordable coverage than rental agency policies, particularly for frequent renters.
Drivers between cars
Drivers without a vehicle but planning to own one should maintain non-owner insurance to avoid coverage gaps that could increase future premiums.
License reinstatement-seekers
Non-owner car insurance is a cost-effective way to meet the insurance requirement for reinstating a driver's license after suspension.
WHAT IS SR-22 INSURANCE?
An SR-22, or Certificate of Financial Responsibility (CFR), is a form your insurance company sends to the DMV to show you meet the minimum coverage requirement. Drivers often need an SR-22 after violations like a DUI or driving without insurance to drive again legally.
Cheap Non-Owner Car Insurance in Utah: Bottom Line
Utah provides non-owner car insurance for drivers, including those needing SR-22 forms. Auto-Owners is the most affordable option, followed by GEICO and Nationwide. For the best deal, compare quotes from multiple insurers.
Non-Owner Car Insurance in Utah: FAQ
Get answers to frequently asked questions about non-owner car insurance in Utah below.
Which company offers the cheapest non-owner car insurance in Utah?
Auto-Owners offers the most affordable non-owner car insurance in Utah at $26 monthly. It also provides the lowest SR-22 insurance rate.
How much does non-owners car insurance cost in Utah?
Non-owner car insurance in Utah averages $530 annually or $44 per month for drivers with a clean record. For those needing SR-22 certification, the cost rises to around $783 per year or $65 per month.
Utah Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Utah auto insurance rates by collecting data from the Utah Insurance Department and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Utah using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $65,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
- $3,000 personal injury protection (PIP) per person
Drivers and Cars in Utah
To find the best and most affordable companies for non-owner car insurance in Utah, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.