Cheap Utah Car Insurance

Find affordable insurance that works for you in Utah. Compare quotes from over 100 top companies.

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

Across the Beehive State, there are 93,914 miles of road just waiting to be driven. We’ll get you prepped with affordable car insurance, so you can take the wheel with confidence.


 

Affordable car insurance in Utah

What's the cheapest car insurance in Utah?
RankCompany NameAvg. Annual Premium
1Bear River$769
2Safeco$1,040
3Allied$1,120
4Nationwide$1,231
5Cal Casualty$1,329
6Progressive$1,460
7American Family$1,478
8Travelers$1,504
9State Farm$1,859
10Allstate$1,976

Compare quotes online from over 30 insurance companies that provide coverage throughout Utah. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Utah

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Utah drivers without a recent moving violation save just 14% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$17814.00%
No Accidents$45729.51%
Good Credit$1,16951.71%

Cheap car insurance for young drivers in Utah

Young drivers — those between the ages of 16 and 25 — pay high auto insurance rates, with those between the ages of 16 and 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Utah is one of the most expensive states in which to insure a teen driver. The average Utah teen pays $5,004 per year — almost five times as much as an older Utah driver.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,968$5,806
17$5,654$5,009
18$5,680$4,379
19$4,869$2,672

Cheap car insurance in Utah with a bad driving record

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 29% after a DUI, 29% after an at-fault accident, and 14% after a speeding ticket in Utah. The post-citation penalties assessed by car insurance companies after driving violations in Utah are slightly lower than national averages. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,54929.51%
DUI$1,52228.30%
Speeding Violation$1,26914.00%
Bad Credit$2,26051.71%

The best-rated car insurance companies in Utah

Every auto insurance company advertises its low costs. But as with any product, the cheapest choice isn't always the best option. Considering the financial stakes, it's worthwhile to do the research to zero in on the insurance policy that protects your vehicle completely in the event of an incident. Exercise some patience and look for a great value, instead of settling for the cheapest car insurance in your state.

Review local and national insurers' fiscal stability and claims satisfaction ratings to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — evaluates an insurance company's financial strength and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
American Family4Excellent
Bear RiverNot RatedExcellent
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
UnigardNot RatedExcellent
USAA5Superior

 

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What car insurance coverage do you need in Utah?

The minimum insurance requirement in Utah is $25,000 bodily injury coverage per person, $65,000 bodily injury liability insurance per accident, and $15,000 property damage per accident.

If you select the minimum coverage level in Utah, you'll owe an average of $601 yearly. This is cheaper than the U.S. average by 9%. 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 $1,013, 69% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 87% more than you would for a basic policy.

See average Utah auto insurance prices for basic and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Utah$600.64$1,012.94$1,122.74
National Average$657.66$1,241.26$1,397.94

Auto insurance laws

State minimum insurance requirements in Utah

In Utah, the state minimum coverage requirements are:

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

Learn more about auto insurance regulations in the state of Utah

Driving laws in Utah

Utah texting and driving laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers

There is a 10-year DUI lookback period in the state of Utah. Multiple DUI offenses within this timeframe result in harsher penalties and fines.

Utah DUI laws

A DUI leading to injury results in enhanced fines and harsher sentencing. Penalties are also increased for a DUI with a passenger under 16 in the vehicle.

First-time DUI offenses in Utah lead to:

  • 48 hours to six months in jail
  • $700 to $1,000 in fines
  • A 90-day license revocation with the possibility for a longer revocation period
  • The possible requirement to install and use an ignition interlock device

The impact of tickets on auto insurance rates in Utah

If you receive a ticket or citation, your auto insurance premiums may rise. By how much 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,76346%$554
Refused Breathalyzer/Chemical Test$1,62835%$419
DUI$1,62835%$419
Racing$1,76346%$554
Reckless Driving$1,69841%$490
Driving with a Suspended License$1,77247%$564
At-Fault Accident$1,70441%$496
Driving with an Open Container$1,59832%$389
Operating a Vehicle Without Permission$1,51225%$303
Passing a School Bus$1,49424%$285
Improper Passing$1,49424%$285
Following Too Closely$1,49524%$286
Speeding$1,46821%$259
Failure to Stop at a Red Light$1,47622%$267
Illegal Turn$1,48523%$276
Driving Wrong Way/Wrong Lane$1,36613%$158
Failure to Yield$1,49524%$286
Speeding in a School Zone$1,46621%$257
Driving Too Slowly$1,45721%$249
Distracted Driving$1,46621%$257
Driving with Expired Registration$1,2937%$84
Failure to Show Documents$1,2937%$84
Not-at-Fault Accident$1,2181%$10
Failure to Use Child Safety Restraint$1,3179%$108
Failure to Wear a Seat Belt$1,38114%$173
Driving Without Lights$1,3008%$91

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Utah Car Insurance FAQs

Who has the cheapest car insurance in Utah?

Bear River ($384) and Safeco ($520) offer the cheapest premiums for Utah drivers.

How much is car insurance in Utah?

Car insurance in Utah is reasonably priced, depending on your insurance company. On average, full coverage insurance in Utah is 25% cheaper than the national average. A full coverage policy will cost you $561 for a six-month policy. A liability-only policy costs $300.

How much is car insurance per month in Utah?

Your monthly rates will vary based on you and your driving profile. Using our average user profile, drivers with liability-only in Utah pay $50 per month for car insurance. If you have full coverage, average rates are around $93.

Can an insurance company drop me if I have bad credit?

No. In Utah, insurance companies aren't allowed to cancel or non-renew policies that have been in place for 60 days or more based on credit information, use credit information alone to decline coverage initially, use credit information to determine rates except to provide rate reductions, decline or refuse to renew additional policies for existing customers based on credit information, or turn down new drivers for existing accounts or policies based on credit information.

How much does car insurance cost in Utah cities?

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

RankCityAvg. Annual Premium
1West Valley City$1,576
2Kearns$1,555
3Salt Lake City$1,531
4Taylorsville$1,517
5Millcreek$1,509
6West Jordan$1,463
7Cottonwood Heights$1,449
8Orem$1,437
9Provo$1,407
10Draper$1,404
11Sandy$1,398
12South Jordan$1,398
13Bountiful$1,347
14Ogden$1,345
15Lehi$1,338
16Roy$1,331
17Clearfield$1,322
18Layton$1,318
19Logan$1,205

Recent Utah Car Insurance Questions and Answers

Can I set up car insurance for someone else as a surprise?

This could get a little tricky. I would recommend speaking with your insurance company to see what they recommend.

Will I be covered if I build my house in a flood plain?

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.

If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?

The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence.

Can another driver file a claim on my insurance if they were hit by someone else driving my vehicle?

Since insurance coverage follows your vehicle then your policy would pay primary for damage caused by your car even if someone else was driving. That being said, it is possible that through the details of the accident the other driver could very well be considered at fault, in which case, the other driver's insurance policy should cover the damage to your car.


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.