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Utah Car Insurance

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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, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Utah

In Utah, the minimum coverage requirements are as follows:
  • 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!

What does this mean for you?

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 his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Top Utah Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Utah?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Utah you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Utah?

Uninsured Drivers in Utah




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Utah cities?

Rank City Avg. Annual Premium
1 West Valley City $1,215
2 Kearns $1,212
3 Taylorsville $1,212
4 Murray $1,194
5 West Jordan $1,193
6 Salt Lake City $1,192
7 Millcreek $1,191
8 Cottonwood Heights $1,191
9 Sandy $1,180
10 South Jordan $1,174
11 Riverton $1,165
12 Draper $1,162
13 Pleasant Grove $1,154
14 Orem $1,154
15 Provo $1,151
16 Spanish Fork $1,143
17 Lehi $1,136
18 Ogden $1,126
19 Roy $1,110
20 Bountiful $1,099
21 Layton $1,075
22 Clearfield $1,070
23 Tooele $1,069
24 Logan $1,054
25 Saint George $1,016

More questions?

Check out other FAQs and ask your own Utah car insurance questions here.
Driving Laws

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
Alcohol Related Fatalities


Per Year in Utah
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Utah!

Whoa! Utah is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Utah might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Utah?
Rank Company Name Avg. Annual Premium
1 Bear River $578
2 USAA $775
3 Auto-Owners $876
4 American Family $974
5 Allied $1,018
6 Safeco $1,040
7 GEICO $1,044
8 Farm Bureau Mutual $1,047
9 Progressive $1,096
10 Nationwide $1,132
11 Unigard $1,298
12 Cal Casualty $1,329
13 Farmers $1,379
14 State Farm $1,417
15 Travelers $1,504
16 Allstate $1,596
17 MetLife $1,767
18 Liberty Mutual $1,859
19 Encompass $1,955
20 Farm Bureau Mutual (IA Group) N/A

Utah Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Utah area, while also getting an insider view of the Beehive State.

Click here to learn more.


So, Utah students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.