Compare car insurance in Utah

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Utah
• List of insurance companies in Utah

Compare Utah car insurance companies

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Most popular Utah auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$325,206	15.3%
Allstate	$238,438	11.30%
Geico	$202,368	9.60%
Farmers	$185,185	8.70%
Progressive	$184,974	8.70%
Bear River Mutual	$132,121	6.20%
USAA	$105,546	5%
Liberty Mutual	$96,829	4.60%
American Family	$96,762	4.60%
Auto-Owners Insurance Co.	$61,738	2.90%

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.

• Salt Lake City
• Clearfield
• Ogden
• South Jordan
• West Jordan

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.

Frequently asked questions about car insurance in Utah

• Where do I register my vehicle in Utah?

  Head to your local DMV office. You’ll need the title of your vehicle, proof of insurance, your photo ID and a small amount of money to cover initial registration fees.

• Is my out-of-state policy acceptable in Utah?

  Only temporarily. If you’re moving to Utah, you’ll need to register your vehicle with the Utah DMV within 60 days of establishing residence to avoid any penalty. You’ll also need to sign up for a new insurance policy that meets Utah’s minimum requirements at that time.

• Can my insurer cancel my policy after I file a claim?

  Yes. But according the Insurance Information Institute, an insurance company can cancel or terminate your policy before your policy period’s over only if:

  • You fail to pay your policy’s premium.
  • You’ve fraudulently misrepresented yourself on your application.
  • Your license is suspended or revoked.

  An insurer can decide not to renew your policy at the end of your term if you’ve filed multiple claims or accumulate excessive moving violations.

• Does Utah have a program to help high-risk drivers get insurance?

  Yes. The Utah Auto Insurance Plan (UAIP) requires all insurers in the state to participate. If you’re denied coverage by multiple providers because of lapses in coverage, serious traffic violations or other issues, the program can assign you an insurer that’s required to provide you with a policy. It might cost more than going the conventional route, but at least you’re covered.