How to Find Temporary Car Insurance in Utah

Utah drivers can purchase a traditional insurance policy and cancel it early—this is the best strategy for temporary car insurance.
Written by Drew Waterstreet
Reviewed by Kathleen Flear
While there isn’t a technical policy option for
temporary car insurance
drivers can still purchase six months of coverage and cancel as needed.
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What is temporary car insurance?

Before we explain temporary car insurance, let’s first introduce the technicality: Temporary car insurance technically doesn’t exist—but you can purchase
car insurance
for temporary use
In other words, temporary car insurance means purchasing the policy minimum of six months and canceling early. This strategy is the best way to ensure you have the state-required coverage for the time frame you need it. 
If you see advertisements for daily or weekly insurance options, they are probably scams so it’s best to stay away. Next, we’ll cover the reputable agencies you can trust while avoiding cancellation fees.

Best companies for temporary car insurance in Utah

As we’ve covered, it’s crucial to avoid scam companies and trust your short-term insurance needs with a reputable provider. Many providers even offer free cancellations and refunds for unused premiums. Here are some brands that we trust here at Jerry:
    : GEICO provides easy cancellation at any point during your policy term, and you’ll typically get a refund for the unused amount. 
  • Allstate
    : Allstate allows drivers to cancel policies at any time. In most cases, you won’t get a cancellation fee. 
  • USAA
    : USAA doesn’t charge cancellation fees and provides refunds—but keep in mind that only military members and families are eligible for USAA insurance coverage.
  • State Farm
    : State Farm’s mobile app is user-friendly and can guide you through the cancellation process free of charge.
  • Progressive
    : Progressive’s rules vary by state, so you’ll want to confirm that your policy can be canceled at any time for free.
Always review the fine print of your policy to confirm cancellation rules—you can also find more information by clicking on the above links.
Once you select your provider, it’s essential to have a plan—you don’t want to end up with any lapses or gaps in coverage. Breaking
Utah car insurance law
by driving uninsured can result in fines, license suspension, and a class B misdemeanor on your
Utah driving record

Alternatives to temporary car insurance

If short-term car insurance isn’t in the cards, rental car insurance and non-owner car insurance are both potential alternatives for unconventional situations that drivers in Utah face.  

Rental car insurance

Renting a car is a great way to travel around Utah's gorgeous mountain landscape. But how does insurance work for renting a vehicle?
Rental car insurance
packages are offered through the dealer itself, getting you enough coverage to be street-legal. If you want the highest level of protection, you can sign a collision damage waiver (CDW). It’s worth mentioning, however, that experts find CDWs overpriced, so be sure to consider other available coverage options. 

Non-owner car insurance

If you don’t own a car but occasionally borrow one, we have good news.
Non-owner car insurance
coverage follows you from car to car rather than being tied to a single vehicle. This solution provides you coverage for any vehicle you have the keys to and is often cheaper than standard car insurance. 

How to find affordable car insurance in Utah

Now that you know the rules of temporary insurance, how can you find an affordable policy? The
app is your golden ticket to the savings factory!
Here’s how it works: As a
licensed broker
, Jerry evaluates cheap quotes from over 50 name-brand insurance companies and matches you with the car insurance that best fits your needs. Jerry will then help you enroll and even cancel your policy.
Jerry is simply a must-have resource for all drivers in the market for short-term car insurance.


No. If you find a policy for less than one month while shopping for temporary car insurance, it’s likely a scam offering illegitimate coverage. It’s better to purchase a six-month policy from a reputable provider and cancel it early.
Driving without car insurance in Utah can be punishable by fines, license suspension, and a class B misdemeanor. So whenever you get behind the wheel, make sure your active policy meets the state-mandated 25/65/15 limits for liability insurance and a $3,000 limit for PIP coverage.
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