Cheap car insurance in Utah

How to get cheap car insurance in Utah

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Utah

Car insurance quick facts

25/65/15

Minimum liability requirements

$1,300

Average annual car insurance cost

90

Days to update your license

No-fault state

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

Our top pick: Progressive

Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Compare Utah car insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers over the age of 54.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.

Compare up to 4 providers

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%

Average car insurance costs in Utah

Utah comes in at just more than $1,000 for the average driver to insure their car for a year. That’s a good bit less than the national average in 2017, which was about $1,300 annually. Rates in Utah are also far less than what you’d pay in the most expensive state, Michigan, where average costs tend to exceed $2,000 a year.

The state of Utah is awash in gorgeous scenery and breathtaking views, even in its cities. But city living could come with higher insurance rates because of an increased risk of theft and traffic accidents. As a rule of thumb, car insurance in metropolitan Salt Lake City will likely cost more than it will in smaller towns like Helper or Kamas.

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

State minimum requirements in Utah

To legally drive in Utah, you’ll need insurance that includes at least:

  • $3,000 of personal injury protection (PIP) per person.
  • $25,000 for bodily injury per person, per accident.
  • $65,000 for bodily injury total per accident.
  • $15,000 for property damage per accident.
  • OR $80,000 total for bodily injury and property damage.

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.

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Frequently asked questions about car insurance in Utah

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