Compare the best rates from 33 car insurance companies 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.
Compare quotes from over 30 insurance companies that provide coverage throughout Utah. Enter your ZIP code below to get started.
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%|
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|
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|
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)|
|Bear River||Not Rated||Excellent|
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 — $500 Deductible|
In Utah, the state minimum coverage requirements are:
There is a 10-year DUI lookback period in the state of Utah. Multiple DUI offenses within this timeframe result in harsher penalties and fines.
A DUI leading to injury results in enhanced fines and harsher sentencing. Penalties are also increased for a DUI with a passenger under 16 in the vehicle.
First-time DUI offenses in Utah lead to:
If you receive a ticket or citation, your auto insurance premiums may rise. By how much depends on the type of violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at typical auto insurance rates in Utah after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,763||46%||$554|
|Refused Breathalyzer/Chemical Test||$1,628||35%||$419|
|Driving with a Suspended License||$1,772||47%||$564|
|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|
|Following Too Closely||$1,495||24%||$286|
|Failure to Stop at a Red Light||$1,476||22%||$267|
|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|
|Driving with Expired Registration||$1,293||7%||$84|
|Failure to Show Documents||$1,293||7%||$84|
|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|
Bear River ($384) and Safeco ($520) offer the cheapest premiums for Utah drivers.
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.
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.
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.
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|
|3||Salt Lake City||$1,531|