Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Utah driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $37 a month in Utah for the coverage limit of 25/65/15.
- The non-owner car insurance rate is $444 per year—lower than liability-only coverage of $756 for Utah drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Utah at an average cost of $7 per month.
Do I need non-owner car insurance in Utah?
Non-owner car insurance in Utah is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Utah
Non-owner car insurance costs an average of $37 a month and $444 per year in Utah for the coverage limit of 25/65/15.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Utah
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Utah, at $7 per month. Other insurers like Geico and Nationwide also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
See the cheapest companies for non-owner car insurance in Utah in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $88 | $7 |
| Geico | $422 | $35 |
| Nationwide | $426 | $36 |
| Iowa Farm Bureau | $467 | $39 |
| Farmers | $694 | $58 |
| Progressive | $725 | $60 |
| State Farm | $813 | $68 |
| USAA* | $169 | $14 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Utah, by age and gender
Non-owner car insurance costs in Utah vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,200 monthly, whereas if you add a 16-year-old female, you’ll pay $1,138 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Utah.
The table below shows how non-owner car insurance rates vary by age and gender in Utah.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $974 | $928 |
| Young Adults (20-24) | $614 | $594 |
| Adults (25-60) | $423 | $443 |
| Seniors (65-75) | $485 | $469 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Utah cities
In St. George the average cost of non-owner auto insurance is $37 per month or $446 per year, and Layton drivers pay $38 a month for the same coverage.
Car insurance premiums in Utah vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Utah city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| St. George | $446 | $37 |
| Layton | $455 | $38 |
| Sandy | $476 | $40 |
| Ogden | $476 | $40 |
| South Jordan | $478 | $40 |
| Salt Lake City | $480 | $40 |
| Provo | $485 | $40 |
| West Jordan | $493 | $41 |
| Orem | $498 | $42 |
| West Valley City | $508 | $42 |
Affordable non-owner insurance in Utah, by ZIP code
A 40-year-old Utah driver living in ZIP 84512 pays $376 a year or $31 per month for non-owner car insurance, whereas insurance rates in the ZIP code 84726 is $384 a year or $32 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Utah?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Utah
Non-owner car insurance is an excellent choice in Utah if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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