Question 1

What does non-owner car insurance cover in Utah?

Accepted Answer

A Utah non-owner policy provides bodily-injury liability (25/65 minimum), property-damage liability ($15,000 minimum), and the state's required $3,000 PIP coverage. It covers injury and damage you cause while driving a car you do not own. It does not cover physical damage to the car you are driving—collision and comprehensive coverage apply only to owned vehicles.

Question 2

Can I get an SR-22 without owning a car in Utah?

Accepted Answer

Yes. A non-owner policy is the only way to file an SR-22 in Utah when you own no vehicle. Dairyland, GAINSCO, Geico, Progressive, The General, and USAA file non-owner SR-22s in Utah; the carrier submits the certificate to the Driver License Division on your behalf. Utah requires SR-22 for 3 years for DUI and uninsured-driving suspensions.

Question 3

Which carriers write non-owner insurance in Utah?

Accepted Answer

Six carriers write non-owner policies in Utah: Dairyland, GAINSCO, Geico, Progressive, The General, and USAA. Of these, all six also file SR-22 certificates for drivers under suspension. Not every carrier writing standard auto insurance offers non-owner policies, so confirm availability before quoting.

Question 4

Does a non-owner policy satisfy Utah's PIP requirement?

Accepted Answer

Yes. Utah is a no-fault state requiring $3,000 minimum PIP coverage, and a non-owner policy includes PIP to satisfy this mandate. PIP pays your own medical expenses and lost wages after an accident regardless of fault, even when you own no vehicle.

Question 5

How much does non-owner insurance cost in Utah?

Accepted Answer

Cost depends on your driving history, whether you need an SR-22 filing, and the coverage limits you select. A clean-record driver purchasing Utah's 25/65/15 minimum with PIP pays substantially less than a driver filing a non-owner SR-22 after a DUI. Non-standard carriers charge higher premiums than standard carriers for the same coverage.

Question 6

Will a non-owner policy cover a rental car in Utah?

Accepted Answer

A non-owner policy provides liability coverage when you rent a car in Utah, but it does not cover physical damage to the rental vehicle itself. Rental car companies offer collision damage waivers (CDW) to cover the car; your non-owner policy covers injury and damage you cause to others.

Question 7

Can I use a non-owner policy to reinstate my Utah license after a DUI?

Accepted Answer

Yes, if the Utah Driver License Division requires SR-22 filing. A non-owner policy with SR-22 satisfies the state's financial responsibility requirement when you own no car. Utah requires SR-22 for 3 years for DUI suspensions, measured from the conviction date. Dairyland, GAINSCO, Geico, Progressive, The General, and USAA file non-owner SR-22s in Utah.

Coverage	Minimum
Bodily Injury (per person)	$25,000
Bodily Injury (per accident)	$65,000
Property Damage	$15,000

Non-Owner Car Insurance — Utah

Utah Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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