Non-Owner Car Insurance — Utah
Utah requires 30/65/25 liability coverage and is a no-fault state.
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Utah at a Glance
30/65/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$40
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Non-Owner Liability Requirements in Utah
The state also mandates personal injury protection (PIP) coverage, which a non-owner policy includes to satisfy Utah's no-fault requirements. For drivers under suspension who need an SR-22 but own no car, a non-owner policy is the only way to file: the carrier submits the SR-22 certificate to the Utah Driver License Division on your behalf.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Non-Owner SR-22 Filing
Uninsured Motorist Coverage
What Shapes Non-Owner Costs in Utah
$55/mo
Typical monthly rate in Utah, non-owner policies
Rate data: Insure.com, 2026
What Affects Your Rate
- SR-22 filing requirement: Utah mandates 3-year SR-22 filing for DUI and uninsured-driving suspensions, which adds both the filing fee and a premium surcharge reflecting the underlying violation.
- Liability limits above minimum: Purchasing 50/100/25 or 100/300/50 instead of the state's 25/65/15 floor increases premium but provides meaningful protection if you cause a serious accident while driving a borrowed or rented car.
- Driving history: At-fault accidents, speeding tickets, and license suspensions increase non-owner premiums; a clean record over three years qualifies you for standard-tier pricing.
- ZIP code and commute density: Salt Lake County, Utah County, and other urban areas carry higher premiums than rural counties due to accident frequency and theft rates.
- Carrier tier: Non-standard carriers (Bristol West, Dairyland, GAINSCO, The General) charge higher premiums than standard carriers (Geico, Progressive, State Farm, USAA) for the same coverage, reflecting the risk profile they underwrite.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Hardship Limited License
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get an SR-22 without owning a car in Utah?
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.
Which carriers write non-owner insurance in Utah?
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.
How much does non-owner insurance cost in Utah?
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.
Will a non-owner policy cover a rental car in Utah?
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.
Can I use a non-owner policy to reinstate my Utah license after a DUI?
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 Types
Non-Owner Liability Insurance
Bodily-injury and property-damage liability that follows you when driving a car you do not own. Covers injury and damage you cause to others; never covers the car you are driving.
Non-Owner SR-22 Insurance
A non-owner policy that files the SR-22 certificate Utah requires after DUI, uninsured driving, or accumulation of points. The carrier submits the SR-22 to the Driver License Division on your behalf.
Uninsured Motorist Coverage
Protects you when the at-fault driver carries no insurance or insufficient limits. Most non-owner policies include UM as a standard component even though Utah does not mandate it.
Non-Standard Auto Insurance
Coverage for drivers with DUI convictions, suspended licenses, or multiple violations. Non-standard carriers underwrite risk profiles standard carriers decline.
Find Your City in Utah
Salt Lake City
Salt Lake County's high traffic density and elevated accident frequency increase non-owner premiums compared to rural Utah counties.
West Valley City
West Valley's vehicle theft rate is among the highest in Utah, which influences uninsured-motorist and liability pricing for non-owner policies.
West Jordan
West Jordan's suburban commute density and proximity to I-15 corridors influence liability and UM pricing for non-owner drivers.
Provo
Utah County's younger driver population and university commute patterns create distinct risk profiles that shape non-owner pricing.