Compare car insurance in Utah

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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.