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Here's what you need to know when driving in Utah

Utah drivers pay an average car insurance rate of $1,386 per year — roughly 9% less than the U.S. average. However, your car insurance rates are determined by more than just where you live. Auto insurance premiums are impacted by factors including a driver's age and driving history. Data experts from The Zebra analyzed average Utah auto insurance rates for these rating factors to help you find a policy that is right for you.

Have a look at our in-depth study of car insurance costs in Utah, or submit your ZIP code above to receive customized quotes from top insurance companies.

The best car insurance companies in Utah

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 863 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the Southwest region.

2nd place medal
American Family

As one of the most consistently highest-rated carriers, American Family scored an 850 on J.D. Power's 2021 auto study.

3rd place medal
State Farm

State Farm placed third with a score of 847 in J.D. Power's 2021 customer satisfaction survey.

Key takeaways
  • Utah drivers pay about 9% less for car insurance on average
  • The cheapest major car insurance company in Utah is USAA

The cheapest car insurance companies in Utah

These companies offer the cheapest rates in the following scenarios.

USAA logo
Cheapest for full coverage: USAA

The cheapest full coverage rates are from USAA at $897 annually, or $75 per month.

GEICO logo
Best for bad credit: GEICO

Drivers with less than stellar credit may look to GEICO for the most affordable rates.

usaa logo
Cheapest after a DUI: USAA

Those with a DUI on their records would do well to consider USAA (if eligible) or GEICO for the cheapest rates.

Company Avg. Annual Premium
USAA $897
GEICO $1,169
Nationwide $1,239
American Family $1,602
Progressive $1,684
State Farm $1,953
Allstate $2,089
Updated: 06/10/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Utah auto insurance laws

Car insurance is required in nearly all states, including Utah. If you choose the minimum amount of coverage required in Utah, expect to pay an average of $587 annually. This expenditure is more expensive than the nationwide average by 9%. It's highly recommended that all drivers carry more than the minimum required coverage.

If you choose the minimum amount of coverage required in Utah, expect to pay an average of $587 annually.

State minimum coverage

In order to drive legally in the state of Utah, you must carry at least the minimum liability limits listed below:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $65,000 per accident
  • Property Damage $15,000 per accident

Personal Injury Protection (PIP)

  • $3,000 per person

Optional coverage in Utah (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage
car with blue windshield

If you opt for better car insurance coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by vehicular collisions, theft, vandalism, or weather incidents. It's worth noting that better auto insurance comes at a cost: in Utah, a comprehensive insurance policy with a $1,000 deductible costs $1,257, 114% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay around $1,459.

In Utah, a comprehensive insurance policy with a $1,000 deductible costs $1,257, 114% more than basic insurance coverage.

The Zebra's guide to Utah car insurance laws


Learn more about car insurance requirements in the state of Utah with our helpful guide.


Compare car insurance rates from the best companies in Utah.

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Utah car insurance premiums by rating factor

Your car insurance premiums are determined by a number of individual rating factors, including your coverage level, driving history, location, and more. Below you can explore average auto insurance costs by rating factor to get a better sense of how much you should be paying for auto insurance in Utah.

 

Cheap auto insurance in Utah for minimum coverage

Those searching for the cheapest car insurance coverage have probably considered getting the minimum coverage required by the state of Utah. However, this isn't always the best option, as it leaves you and your vehicle exposed to risk. Still, you can at least start your search by taking a look at the table below to see which carriers offer affordable coverage.

Company Avg. Annual Premium
USAA $331
GEICO $435
Nationwide $552
Progressive $649
Allstate $724
State Farm $836
American Family $842
Updated: 06/10/22.

Cheap auto insurance in Utah with bad credit

Credit history plays a big part in determining how much you pay for car insurance. Most carriers see drivers with a poor credit history as being higher risk, meaning you will almost certainly pay more for your policy. On average, Utah drivers with poor credit pay $1,833 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $1,583
USAA $1,711
Nationwide $1,739
Progressive $2,736
American Family $2,835
Allstate $3,096
State Farm $5,891
Updated: 06/10/22.

Cheap auto insurance in Utah with an at-fault accident

Your driving record plays a big part in how much you pay as well. Insurance companies look for previous at-fault accidents to gauge the level of risk you pose as a customer. A recent at-fault accident could see your car insurance rates increase by as much as $2,080 per year.

Safe driver discounts

Along with cheaper premiums, some insurance companies offer safe driving discounts. Availability and amount may vary based on your company, though discounts can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,299
GEICO $1,784
Nationwide $2,024
Progressive $2,161
American Family $2,289
State Farm $2,518
Allstate $2,766
Updated: 06/10/22.

Cheap auto insurance for young drivers in Utah

Young adult drivers aged between 16 and 25 pay very high car insurance rates on average. In fact, those aged 16 to 19 pay the most expensive premiums of all due to the perceived risk they pose to insurers. Most companies see young drivers as risky due to their lack of experience, meaning that teen drivers pay more than three times the national average for car insurance. In Utah, teen drivers pay especially high rates: $5,563 per year — 301% more than a typical Utah driver.

Company Avg. Annual Premium
USAA $3,225
GEICO $3,509
Nationwide $4,476
American Family $5,408
Allstate $6,337
State Farm $7,413
Progressive $7,987
Updated: 06/10/22.

Utah auto insurance rate by violation

If you receive a ticket or citation, your auto insurance premiums are likely to rise. The amount they increase depends on the type of violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Utah after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,618 0% $0
One Med/PIP claim $1,627 1% $10
Not-at-fault accident $1,673 3% $55
Two Med/PIP claims $1,680 4% $62
One comp claim $1,684 4% $67
Two comp claims $1,738 7% $121
Failure to show documents $1,784 10% $166
Driving without lights $1,836 14% $219
Child safety restraint $1,836 14% $219
Failure to wear a seat belt $1,855 15% $237
Driving with expired registration $1,893 17% $275
Wrong way/wrong lane $2,000 24% $383
Speeding 6 - 10 MPH over limit $2,012 24% $395
Driving too slowly $2,014 25% $397
Texting while driving $2,016 25% $399
Cell phone violation $2,016 25% $399
Speeding in school zone $2,020 25% $402
Speeding 16 - 20 MPH over limit $2,022 25% $404
Speeding 11 - 15 MPH over limit $2,022 25% $404
Failure to stop at a red light $2,025 25% $408
Failure to yield $2,025 25% $408
Following too closely $2,025 25% $408
Illegal turn $2,025 25% $408
Improper passing $2,035 26% $417
Speeding 21 - 25 MPH over limit $2,120 31% $503
In 65 MPH zone $2,134 32% $517
Passing school bus $2,170 34% $552
At-fault accident - less than $1000 $2,233 38% $615
Operating a vehicle without permission $2,283 41% $665
Open container $2,331 44% $713
At-fault accident - $1000-$2000 $2,398 48% $781
At-fault accident - greater than $2000 $2,440 51% $823
Driving with a suspended license $3,232 100% $1,615
Refusal to submit to a chemical test $3,278 103% $1,660
Reckless driving $3,286 103% $1,668
Racing $3,290 103% $1,672
DUI $3,305 104% $1,687
Leaving scene of an accident/hit and run $3,433 112% $1,815
Updated: 06/10/22.

Utah DUI laws

Being convicted of a DUI offense in Utah can increase your annual car insurance rates by an average of 104%. This comes out to 34% more than the national average rate hike after a DUI. After a DUI, finding affordable auto insurance isn't going to be easy simple. In fact, a DUI charge can bring about larger premium increases than any other road violation. This often includes at-fault accidents, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Utah

If you're convicted of a DUI or DWI violation in Utah, you will want to carefully consider your insurance choices. Auto insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Utah, USAA averages rates that are 46% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Utah is Progressive, while the priciest company is State Farm.

Company Avg. Annual Premium
USAA $1,792
Progressive $2,022
American Family $2,068
GEICO $2,596
Nationwide $2,653
Allstate $2,703
State Farm $3,011
Updated: 06/10/22.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Utah SR-22 insurance

An SR-22 is a legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Utah to ensure that you remain insured.

If you currently have auto insurance, requesting an SR-22 certificate is relatively simple. Contact your insurer and ask them to file a SR-22 request for you. If your insurer refuses to file for an SR-22, you should shop around for a new insurance company. Finding cheap auto insurance with an SR-22 in Utah might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Utah

Uninsured drivers

When applying for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from purchasing insurance from some carriers, while others would be happy to cover you.

 

For non-owners

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to earn the certificate. If you don't own a vehicle, you should purchase a non-owners auto insurance policy before pursuing an SR-22. Non-owners auto coverage can be less expensive than a standard policy since it won’t provide protection for physical damage to your car.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Enoch, Utah, and the most expensive in Kearns, Utah.

Have a look at the table below to see average car insurance costs in some of Utah's biggest cities.

City Avg. Annual Premium
Provo $1,674
Orem $1,703
West Jordan $1,756
Salt Lake City $1,785
West Valley City $1,839
Updated: 06/10/22.

Car insurance price trends in Utah

In Utah, average annual auto insurance costs increased by $73 in the past year. A typical Utah driver pays an average of $1,386 per year.

The recent pricing trend in Utah leans toward slightly cheaper car insurance costs. From 2017 to 2021, average annual rates in Utah dropped from $1,796 to $1,386. Since this significant drop, rates have increased moderately. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

UTAH CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Utah Yearly Change — Utah Avg. Annual Premium — US Yearly Change — US
2021 $1,386 $73 $1,529 $46
2020 $1,313 $42 $1,483 $61
2019 $1,271 $84 $1,544 $23
2018 $1,187 -$609 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Utah car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Utah auto insurance.

Who has the cheapest car insurance in Utah? Chevron down icon
USAA ($448) and GEICO ($584) offer the cheapest premiums for Utah drivers.
How much is car insurance in Utah? Chevron down icon
Car insurance in Utah is reasonably priced, depending on your insurance company. On average, full coverage insurance in Utah is 9% cheaper than the national average. A full-coverage policy will cost you $693 for a six-month policy. A liability-only policy costs $587.
How much is car insurance in Utah per month? Chevron down icon
Your monthly rates will vary based on you and your driving profile. Using our average user profile, drivers with liability-only in Utah pay $49 per month for car insurance. If you have full coverage, average rates are around $105.

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RECENT QUESTIONS

Am I covered if I insure the vehicle but I'm not listed on the vehicle

These situations can be a bit tricky when it comes to coverage for insurance. Insurance companies will tell you that you need "Insurable Interest" in what you are insuring.
Apr 18, 2018 Charleston, SC

If I am planning to buy a car in the US as a tourist, will I be able to get insurance?

Even if you don't have a US driver license, you should still be able to find coverage with most insurance companies. You mentioned that you will be traveling around the US so it's important to note that US insurance companies require a "permanent" address before they will issue a policy.
Feb 5, 2017 Tuscon, AZ

What is a reinsurance facility?

In North Carolina, the reinsurance facility is basically a non-profit organization that allows insurance companies to pool the risk of high risk drivers to keep rates low for consumers and create less risk for insurance companies themselves. Since insurance rates in North Carolina are capped, an insurance provider can cede (transfer) your policy to the reinsurance facility so that they share the risk with all other companies in the organization and you still benefit from a fair price.
Sep 28, 2016 Raleigh, NC

Can you get a 30 day waiver on your car insurance

I would call your car insurance company and speak to an agent or customer service representative. If your company is willing, you could probably work with them to pay your premium late and possibly have the late fee waived.
Apr 15, 2018 Bend, Oregon

Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.