Non-owner car insurance in Utah: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Utah?

Auto-Owners has the cheapest non-owner car insurance in Utah at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $139. GEICO is the second-cheapest insurer at $406 per year, although rates vary significantly between companies.

The table below shows the most affordable non-owner car insurance companies in Utah.

Company	Average annual premium	Average monthly premium
Auto-Owners	$139	$12
GEICO	$406	$34
Dairyland	$702	$58
Farmers	$810	$67
Iowa Farm Bureau	$866	$72
Progressive	$930	$78
State Farm	$1,552	$129
USAA	$200	$17

Read our methodology

Best non-owner car insurance in Utah

Auto-Owners is the best non-owner car insurance company in Utah based on cost, customer complaints and financial strength ratings. Iowa Farm Bureau and GEICO are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Utah, we considered several key factors, such as the number of customer complaints, financial strength, and average premium rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Utah.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Auto-Owners	$139	654	0.44	A+	4.78
Iowa Farm Bureau	$866	645	0.13	A	4.14
GEICO	$406	624	0.60	A++	4.01
State Farm	$1,552	648	0.87	A+	3.46
Progressive	$930	616	0.60	A+	3.39
Farmers	$810	623	1.24	A	3.25
USAA	$200	720	1.16	A++	4.49

Read our methodology

Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Utah.

Auto-Owners

Our top choice for non-owner car insurance in Utah is Auto-Owners, with an average rate of $139 for liability coverage. Auto-Owners holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.44.

Iowa Farm Bureau

Iowa Farm Bureau is also a great choice for non-owner car insurance in Utah, offering coverage at an average annual rate of $866. It has earned an AM Best rating of A and maintains a low NAIC complaint ratio of 0.13.

GEICO

Our third recommendation is GEICO, with average rates of $406. It has an NAIC complaint ratio of 0.60 and holds an AM Best rating of A++.

PEOPLE ASK:

Do I need Utah non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

How much does non-owner car insurance cost in Utah?

The average cost of non-owner car insurance in Utah is $658 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Utah?

Age and gender significantly impact non-owner car insurance rates in Utah, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Utah by age and gender.

Age group	Male	Female
Teens (16-19)	$2,100	$2,010
Young Adults (20-24)	$968	$961
Adults (25-60)	$644	$673
Seniors (65-75)	$727	$681

Read our methodology

Do you need non-owner car insurance in Utah?

You may need non-owner insurance in Utah if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Utah doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$658
Traditional state minimum policy	$850
State minimum car insurance limits	30/65/25

Read our methodology

What does Utah non-owner car insurance cover?

A Utah non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Utah, but it won't cover any damage to the vehicle you're driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Utah

Drivers in Utah who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owners car insurance averages $658 in Utah, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Shop around to find the best Utah non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Utah

Do I need non-owner insurance to drive a friend's car in Utah?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Utah?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.