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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.
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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.
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 |
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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