Cheap Utah car insurance

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.

Cheap car insurance in Utah

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%.

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.

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.

What are the best 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.

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.

Car insurance laws in Utah

State minimum insurance requirements in Utah

In Utah, the state minimum coverage requirements are as follows:

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

Liability coverage is legally required in Utah and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Utah, the minimum is listed as 25/65/15 and explained below:

• $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
• $65,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
• $15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP doesn’t automatically include coverage for work loss in Utah but it can be added. The minimum PIP coverage amount of $3,000 per person is required on your policy.

These numbers reflect the minimum limits required in Utah but higher coverage amounts are available with most companies.

Utah is a no-fault state for insurance

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own share, and theoretically, the chances of someone suing over culpability are decreased. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

Utah car insurance FAQs

Is Utah a no-fault car insurance state?

Yes, Utah is a no-fault state. You are responsible for your own bodily injury payments after an accident regardless of fault.

What three car insurance coverages are required in Utah?

You are required to carry bodily injury liability, property damage liability, and personal injury protection (PIP) coverage in Utah.

Do you need insurance before registering a car in Utah?

Yes. Because car insurance is legally required in Utah, you must have proof of insurance in order to register a vehicle.

List of 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

How do citations impact car 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.