Utah car insurance quick facts
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.
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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 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.
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.
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.
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
| 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% |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1785 |
| American Family | $2512 |
| Progressive | $1941 |
| Geico | $1019 |
| StateFarm | $2425 |
Car insurance quotes in Clearfield
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1390 |
| American Family | $2279 |
| Progressive | $1550 |
| Geico | $864 |
| StateFarm | $1927 |
Car insurance quotes in Ogden
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1479 |
| American Family | $1964 |
| Progressive | $1672 |
| Geico | $898 |
| StateFarm | $1735 |
Car insurance quotes in South Jordan
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1813 |
| American Family | $2146 |
| Progressive | $1511 |
| Geico | $894 |
| StateFarm | $1986 |
Car insurance quotes in West Jordan
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1785 |
| American Family | $2415 |
| Progressive | $1765 |
| Geico | $996 |
| StateFarm | $2346 |
Compare car insurance providers in Utah
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
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