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?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Bear River | $769 |
| 2 | Safeco | $1,040 |
| 3 | Allied | $1,120 |
| 4 | Nationwide | $1,231 |
| 5 | Cal Casualty | $1,329 |
| 6 | Progressive | $1,460 |
| 7 | American Family | $1,478 |
| 8 | Travelers | $1,504 |
| 9 | State Farm | $1,859 |
| 10 | Allstate | $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 | $178 | 14.00% |
| No Accidents | $457 | 29.51% |
| Good Credit | $1,169 | 51.71% |
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.
| Age | Annual Rate with Parents | Annual 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 Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,549 | 29.51% |
| DUI | $1,522 | 28.30% |
| Speeding Violation | $1,269 | 14.00% |
| Bad Credit | $2,260 | 51.71% |
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 Company | Claims Satisfaction (J.D. Power) | Financial Strength (A.M. Best) |
| Allied | 3 | Superior |
| Allstate | 3 | Superior |
| American Family | 4 | Excellent |
| Bear River | Not Rated | Excellent |
| Encompass | Not Rated | Superior |
| Farmers | 3 | Excellent |
| GEICO | 3 | Superior |
| Liberty Mutual | 3 | Excellent |
| MetLife | 3 | Superior |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| State Farm | 3 | Superior |
| Travelers | 3 | Superior |
| Unigard | Not Rated | Excellent |
| USAA | 5 | Superior |
See insurance rates from Utah's best companies!
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.
| Location | Liability-Only | Comprehensive — $1,000 Deductible | Comprehensive — $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
- Ban on all cell phones for school bus drivers
- Ban on all cell phones for drivers <18 years old
- 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.
| Violation | Avg. Annual Auto Insurance Rate | % Insurance Rate Increase | $ Insurance Rate Increase |
| Hit and Run | $1,763 | 46% | $554 |
| Refused Breathalyzer/Chemical Test | $1,628 | 35% | $419 |
| DUI | $1,628 | 35% | $419 |
| Racing | $1,763 | 46% | $554 |
| Reckless Driving | $1,698 | 41% | $490 |
| Driving with a Suspended License | $1,772 | 47% | $564 |
| At-Fault Accident | $1,704 | 41% | $496 |
| Driving with an Open Container | $1,598 | 32% | $389 |
| Operating a Vehicle Without Permission | $1,512 | 25% | $303 |
| Passing a School Bus | $1,494 | 24% | $285 |
| Improper Passing | $1,494 | 24% | $285 |
| Following Too Closely | $1,495 | 24% | $286 |
| Speeding | $1,468 | 21% | $259 |
| Failure to Stop at a Red Light | $1,476 | 22% | $267 |
| Illegal Turn | $1,485 | 23% | $276 |
| Driving Wrong Way/Wrong Lane | $1,366 | 13% | $158 |
| Failure to Yield | $1,495 | 24% | $286 |
| Speeding in a School Zone | $1,466 | 21% | $257 |
| Driving Too Slowly | $1,457 | 21% | $249 |
| Distracted Driving | $1,466 | 21% | $257 |
| Driving with Expired Registration | $1,293 | 7% | $84 |
| Failure to Show Documents | $1,293 | 7% | $84 |
| Not-at-Fault Accident | $1,218 | 1% | $10 |
| Failure to Use Child Safety Restraint | $1,317 | 9% | $108 |
| Failure to Wear a Seat Belt | $1,381 | 14% | $173 |
| Driving Without Lights | $1,300 | 8% | $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.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | West Valley City | $1,576 |
| 2 | Kearns | $1,555 |
| 3 | Salt Lake City | $1,531 |
| 4 | Taylorsville | $1,517 |
| 5 | Millcreek | $1,509 |
| 6 | West Jordan | $1,463 |
| 7 | Cottonwood Heights | $1,449 |
| 8 | Orem | $1,437 |
| 9 | Provo | $1,407 |
| 10 | Draper | $1,404 |
| 11 | Sandy | $1,398 |
| 12 | South Jordan | $1,398 |
| 13 | Bountiful | $1,347 |
| 14 | Ogden | $1,345 |
| 15 | Lehi | $1,338 |
| 16 | Roy | $1,331 |
| 17 | Clearfield | $1,322 |
| 18 | Layton | $1,318 |
| 19 | Logan | $1,205 |
Recent Utah Car Insurance Questions and Answers
Can I set up car insurance for someone else as a surprise?
Will I be covered if I build my house in a flood plain?
If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?
Can another driver file a claim on my insurance if they were hit by someone else driving my vehicle?
