Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Utah

Get the cheapest car insurance in Utah for 2021

Utah drivers pay an average of $1,038.50 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $86.54 per month. Utah drivers pay about 13% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Utah car insurance quick facts

Picture not described

Minimum liability requirements

25/65/15

Average annual car insurance cost according to the NAIC

$1,038.50

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Utah state minimum car insurance requirements

Drivers in Utah are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/65/15, but we’ll break down what that means.

    Bodily Injury Liability

    Utah bodily injury liability

    • $25,000 bodily injury liability per person
    • $65,000 bodily injury per accident

    Utah requires $25,000 in bodily injury liability per person and $65,000 of bodily injury per accident. That’s right in line with what most states require for liability coverage, though the per accident limit is slightly higher than the typical $50,000 limit.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $65,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Utah property damage liability

    • $15,000 property damage liability

    Utah requires drivers to carry $15,000 of property damage liability to legally drive. This coverage requirement is middle of the road compared to what other states across the US require.

    This means $15,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Personal injury protection or medical payments

    Utah personal injury protection

    • $3,000 personal injury protection

    Utah drivers are required to carry $3,000 worth of personal injury protection to legally drive.

    This coverage helps pay your or your passenger’s medical expenses if you’re injured in an accident, regardless of fault.

    Finder tip: Utah state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Utah, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Utah auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$325,20615.3%
    Allstate$238,43811.30%
    Geico$202,3689.60%
    Farmers$185,1858.70%
    Progressive$184,9748.70%
    Bear River Mutual$132,1216.20%
    USAA$105,5465%
    Liberty Mutual$96,8294.60%
    American Family$96,7624.60%
    Auto-Owners Insurance Co.$61,7382.90%

    Which city has the cheapest car insurance in Utah?

    Of Utah’s largest cities, Clearfield has the cheapest rates and Salt Lake City has the most expensive car insurance rates. Salt Lake City drivers could face rates 3 times more than Clearfield drivers.

    Car insurance quotes in Salt Lake City

    CompanyAnnual car insurance rate
    Allstate$1785
    American Family$2512
    Progressive$1941
    Geico$1019
    StateFarm$2425

    Car insurance quotes in Clearfield

    CompanyAnnual car insurance rate
    Allstate$1390
    American Family$2279
    Progressive$1550
    Geico$864
    StateFarm$1927

    Car insurance quotes in Ogden

    CompanyAnnual car insurance rate
    Allstate$1479
    American Family$1964
    Progressive$1672
    Geico$898
    StateFarm$1735

    Car insurance quotes in South Jordan

    CompanyAnnual car insurance rate
    Allstate$1813
    American Family$2146
    Progressive$1511
    Geico$894
    StateFarm$1986

    Car insurance quotes in West Jordan

    CompanyAnnual car insurance rate
    Allstate$1785
    American Family$2415
    Progressive$1765
    Geico$996
    StateFarm$2346

    Compare car insurance providers in Utah

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Allstate
    Optional
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    Progressive
    Optional
    30%
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Pretected
    Pretected
    Optional
    Yes
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    The AARP Auto Insurance Program from the Hartford
    Optional
    Yes
    All 50 states
    Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
    Clearcover
    Optional
    Yes
    AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    Root
    52%
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    loading

    Compare up to 4 providers

    Can I get SR-22 insurance in Utah?

    Yes. You might need to file an SR-22 in Utah alongside your insurance policy if you’re convicted of a DUI, you’re caught driving without car insurance or you’ve accumulated too many violation points on your driving record.

    SR-22 insurance is typically mandated by a court decision, and it’s most commonly enforced for up to three years after the mandate.

    Bottom line

    Although Utah provides an alternative to carrying car insurance to legal drive on its scenic roads, it’s worth looking into purchasing at least the state’s minimum level of coverage on your own. The right car insurance policy for your needs can keep you, your vehicle and your passengers protected in a fender bender or even the worst-case accident.

    To learn more about policy options and tips to cheaper rates, read our comprehensive guide to auto insurance.

    Frequently asked questions about car insurance in Utah

    More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site