Utah Auto Insurance (2024)
Utah auto insurance averages $120/mo for full coverage. However, you can get the cheapest car insurance in Utah for only $45/mo to meet the state's minimum liability requirements. Below, we'll help you compare cheap Utah auto insurance rates to find the best Utah car insurance company for your needs.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Utah minimum auto insurance requirements include 25/65/15 in liability coverage and $3,000 in personal injury protection
- Utah car insurance rates average $120 per month for full coverage
- The top three cheapest car insurance companies in Utah are Geico, Liberty Mutual, and Allstate
Utah auto insurance rates are much more affordable than the national average — you pay nearly 10% less for auto insurance than drivers in other states, making it easier to find cheap auto insurance in UT.
However, you can get even better rates when you compare quotes from the best auto insurance companies online. Read more about how to instantly compare auto insurance online.
Our guide to the best auto insurance in Utah compares rates from the top companies to help you find the most affordable coverage. Keep reading to find the cheapest Utah auto insurance coverage for young and high-risk drivers and evaluate Utah car insurance quotes by city. Then, enter your ZIP code compare cheap Utah car insurance rates.
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The Best Utah Auto Insurance
The best auto insurance in Utah depends on your unique qualities as a driver, including age and credit score. We found the top four companies for different demographics in Utah based on monthly rates.
Read our auto insurance company reviews to learn more about each insurer.
Best Car Insurance Company for Full Coverage: Geico
Geico auto insurance offers the best full coverage rates to Utah drivers with good records — around $63 per month. Drivers with accidents or speeding tickets pay more for full coverage, but Geico’s rates are still competitive. Read more: Geico auto insurance review.
Best Car Insurance Company for Young Drivers: Utah Farm Bureau
Utah drivers under 25 will find the most affordable rates with Utah Farm Bureau. The local insurance union offers full coverage rates to young drivers for under $300 per month. Read more: Farm Bureau auto insurance review.
Best Car Insurance Company After a DUI: Progressive
Every company raises rates after a DUI or DWI. However, Progressive auto insurance doesn’t increase your rates nearly as high as other insurers. Utah drivers pay over $200 per month after a DUI with Progressive.
Best Car Insurance Company With Bad Credit: USAA
Insurance companies use your credit score to determine the likelihood of you filing a claim. Those with poor credit are more likely to file claims, but USAA auto insurance won’t raise your rates as much as other companies. However, USAA is only available to military members and their families.
Read more: USAA auto insurance review.
The Cheapest Utah Auto Insurance Companies
On average, Geico may offer the cheapest full coverage rates, but you’ll want to compare insurance quotes from multiple companies in Utah to guarantee you’re getting the best price.
The map below will show you the average annual full coverage auto insurance rates in Utah compared to the rest of the U.S.
Below we compare Utah auto insurance company rates for minimum liability and full coverage.
The Cheapest Utah Auto Insurance Companies for Minimum Liability
Minimum liability insurance in Utah includes $25,000 in bodily injury coverage per person, $65,000 per accident, $15,000 in property damage liability, and $3,000 in personal injury protection insurance.
Liability auto insurance coverage often comes with the lowest rates for most drivers. Compare average Utah liability rates in the table below.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Geico offers the lowest liability-only rates to most drivers. Still, you should compare these quotes against local companies in your neighborhood to see which has the most competitive policy.
The Cheapest Utah Auto Insurance Companies for Full Coverage
Full coverage auto insurance in Utah includes the minimum liability and PIP discussed above, collision auto insurance, and comprehensive auto insurance coverage. The average rates by company are listed below.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Geico, again, offers the best average rates. Still, you may need above-average coverage or have a below-average driving record. It pays to compare rates from other companies based on your unique driving profile.
You can also get lower auto insurance rates by choosing your auto insurance deductibles. If you choose a higher deductible, you could save more money. For example, the rates listed above include a $1,000 deductible. Increasing your deductible to $2,000 would save you money on your monthly auto payments, but we don’t recommend doing so unless you can afford the higher out-of-pocket costs.
If you want cheap full coverage auto insurance in Utah, compare quotes online.
Cheap Auto Insurance for Young Drivers in Utah
According to the Utah Department of Public Safety’s Highway Safety Office, drivers between 13 and 20 years old are involved in more accidents than any other driver in Utah. So it’s no surprise that young drivers under 21 pay the most for auto insurance coverage, regardless of driving record.
Teens will start to see their rates decrease after turning 21, but average car insurance rates in Utah don’t get cheaper until you turn 25.
To save money on teen auto insurance in Utah, compare quotes from the companies below.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Utah Farm Bureau offers more competitive rates on auto insurance for teens and young drivers than the national companies, so compare quotes from it and other local insurers before buying.
You can also save money on teen coverage by adding young drivers to an existing policy. Your auto insurance rates will still go up, but not nearly as much as they would with a new policy.
Utah Auto Insurance Rates by City
Your location within Utah will significantly impact your car insurance rates. Companies use your ZIP code to study traffic rates and fatalities, auto thefts, and the average vehicle cost in your neighborhood to determine risk.
The cities with the most expensive auto insurance in Utah are:
- Kearns
- West Valley City
- Taylorsville
- Holladay
- Mill Creek
- Murray
- West Jordan
- Salt Lake
You may have difficulty finding cheap Salt Lake City, UT — rates in the capital are 10% more expensive than the state average. In Kearns and West Valley, car insurance rates are 15% – 17% higher.
Local drivers in Moab and Logan pay the lowest rates for Utah auto insurance. If you’re curious about quoting auto insurance rates by ZIP code in your city, enter your ZIP code above.
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The Best Auto Insurance Companies in Utah by Driving Record
Utah auto insurance quotes are expensive after an accident or DUI since you’re considered high-risk and more likely to file a claim. Insurance companies also consider young drivers high-risk and charge them even more for coverage.
Fortunately, you can find affordable high-risk auto insurance in Utah by comparing rates from multiple companies. Companies assess risk differently, and you may find that one insurer doesn’t penalize you for your driving record as much as another.
Below we compare the cheapest auto insurance companies in Utah for high-risk drivers.
Cheapest Auto Insurance in Utah With an At-Fault Accident
One at-fault accident can raise your monthly rates by $80. Accidents stay on your Utah driving record for four years, and you must file your insurance claim within that period to receive any benefits.
On average, American Family offers the best rates after an accident.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
Every company on this list — except American Family — offers accident forgiveness. What is accident forgiveness? This policy add-on prevents your rates from increasing after your first accident. You’ll pay more per month for this coverage but could save money in the future.
Cheap Auto Insurance After a DUI in Utah
Progressive is a great provider of the best auto insurance for drivers with a DUI in Utah. A DUI will increase your insurance rates by 75% with most companies, but Progressive won’t raise them nearly as high as other companies on this list.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
If you have multiple DUIs on your record, you may be ineligible for coverage in Utah with these major insurers. If so, you’ll have to shop with high-risk companies, potentially requiring you to file for SR-22 auto insurance.
Cheap Auto Insurance in Utah With Bad Credit
Utah car insurance companies use credit scores to determine a driver’s risk — those with a lower credit score pay more for Utah car insurance.
Drivers with bad credit can pay $1,000 or more per year than the average driver. Use the table below to see how Utah auto insurance rates vary by credit score. For more information, see the best auto insurance companies for bad credit.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
If you have a poor credit rating, consider raising your deductible for lower rates, and don’t forget to ask about discounts before buying a policy. Most companies in Utah reward drivers for paying bills online or managing coverage with a mobile app, regardless of credit score.
Utah Auto Insurance Laws
Utah is a no-fault insurance state, and drivers must carry minimum auto insurance if:
- They’re residents of Utah
- They’re a non-resident who owns and operates a vehicle in Utah for 90 consecutive days
- Their vehicle is registered in the state of Utah
According to the Utah Department of Motor Vehicles, failing to carry minimum insurance in Utah is a Class-B misdemeanor. Offenders pay between $400 and $1,000 in fines, and the court may suspend your vehicle registration until you buy the proper coverage amount.
Utah Auto Insurance Minimum Coverage Requirements
What auto insurance does Utah require? You must carry minimum liability auto insurance and personal injury protection insurance. This table breaks down the minimum coverage you need in Utah.
Utah Minimum Auto Insurance Requirements
| Liability Auto Insurance | Minimum Coverage Amounts |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person/ $65,000 per accident |
| Property Damage Liability Coverage | $15,000 per accident |
| Personal Injury Protection (PIP) Coverage | $3,000 per accident |
Since it’s a no-fault state, Utah requires PIP to cover you and your passengers’ medical bills after an accident. However, Utah no-fault insurance laws only apply to bodily injuries, not property damage. So you can’t sue the at-fault driver for medical costs unless your injuries are life-altering, including permanent disability or dismemberment.
However, Utahns can sue at-fault drivers for property damage and vehicle repairs. If you’re the at-fault driver, your minimum liability insurance will cover up to $15,000, but you’re responsible for any costs exceeding that limit.
You can choose to carry higher limits or additional coverages to better protect yourself in an accident or collision, but this will raise your insurance rates.
Optional Auto Insurance Coverage in Utah
Utah insurance companies offer additional coverages not required by law which can protect you financially after an accident. For example, full coverage auto insurance — including the required minimums, collision, and comprehensive coverages — is optional.
Collision coverage applies in accidents involving other vehicles, while comprehensive coverage applies to everything else, from weather damage to auto theft and vandalism. Buying full coverage over liability-only will increase your Utah auto insurance rates, but you’ll pay less out of pocket after an accident.
If you have an auto loan or lease, your lessor will likely require you to carry full coverage. You may also want to carry GAP insurance in Utah, which covers the remaining amount on your auto loan if your vehicle gets totaled in an accident.
Other auto insurance options in Utah include:
- Uninsured/underinsured motorist (UIM) auto insurance. Helps to cover your injuries or property damage caused by another driver with no insurance or insufficient insurance.
- Roadside assistance. This policy add-on is available with most companies, providing towing, locksmith, and flat tire services. Options vary by company. See best roadside assistance plans for more details.
- Rental car reimbursement/loss of use. This add-on pays for a rental car while your vehicle is in the shop for repairs.
- Accident forgiveness. Some insurers won’t raise your rates after your first minor accident, while other companies forgive your first major collision.
Not all policy options are available with every insurance company, so research different insurers to find the best price for the coverages you need.
Utah DUI Laws
DUI laws in Utah are much stricter than in other states. What is a DUI exactly? The state defines “driving under the influence” as having a blood alcohol concentration of .05% and will charge young drivers under 21 with any detectable amount of drugs or alcohol.
Fines, license suspensions, and jail time will vary based on a driver’s age and the number of offenses.
Utah DUI Laws
| Utah DUI Penalties | First Offense | Second Offense | Third Offense |
|---|---|---|---|
| Jail Time | Up to 180 days; mandatory 2 days with 48 hours community service | Up to 180 days; mandatory 10 days (or 5 with 30 days electronic monitoring) | Up to 5 years; mandatory 62 days |
| License Suspension | 120 days | Two years | Two years |
| Fines | $1,310+ | $1,560+ | $2,850+ |
| Ignition Interlock Device (IID) | Up to one year mandatory with BAC of .16% or more | Two years | Two years |
According to the Utah Department of Public Safety, If you get a DUI charge in Utah, you have 10 days to request a hearing with the Utah Drivers License Division. You’ll lose your driving privileges and likely need to file SR-22 insurance to drive again legally with a restricted license.
Your insurance rates will increase, so keep reading to learn how to save money on high-risk auto insurance in Utah.
Utah SR-22 Auto Insurance Coverage
SR-22 insurance in Utah isn’t an insurance policy. It’s a legal form proving financial responsibility after registration or license suspension. It proves you carry the minimum coverage levels required to drive.
Depending on your driving record, you may have to buy more than the 25/65/15 liability minimums. Utah state law requires SR-22 filings if you face charges for:
- DUI
- Driving without insurance
- Driving with a suspended license/without a license
- Causing an auto accident
You’ll also need SR-22 insurance if you accumulate too many points on your license for traffic violations, including speeding tickets.
How much does SR-22 cost in Utah? The filing fee costs between $15 – $25, but filing the SR-22 form with your insurance company puts you in the high-risk category. Insurers will charge higher rates, and you may even lose coverage with your current company if it doesn’t file SR-22.
The most popular companies for cheap SR-22 auto insurance in Utah are:
- USAA
- Geico
- State Farm
- Progressive
- Nationwide
- Farmers
If your insurer doesn’t offer SR-22 filings, you’ll have to shop with these or other local companies catering to high-risk drivers. These insurance companies will file SR-22 with the Utah DMV on your behalf and renew your policy for the mandatory three years as required by state law.
How to Acquire an SR-22 Certificate for Utah Auto Insurance
Filing SR-22 is easy once you find the right insurance company. So if you already have an auto policy, follow the steps below to get SR-22 insurance in Utah:
- Contact your insurance agent. Ask them to file the SR-22 form for you.
- Confirm your insurance coverage. You must carry at least liability insurance to file SR-22, and the court may order you to carry higher limits.
- Pay the filing fee. The SR-22 filing fee costs between $15 and $25 in Utah.
- Confirm SR-22 coverage. You’ll receive an email or letter in the mail confirming your SR-22 coverage is in place.
You must pay the SR-22 filing fee up front, and your insurance rates will increase at the next renewal period.
Utah SR-22 Without Auto Insurance
If you don’t have a current policy, you must ask for SR-22 when applying for coverage. Most agents will ask you directly if you need to file when buying over the phone or in person. Insurance websites will also prompt you to choose “yes” or “no” if you need SR-22 when shopping online.
Once you request SR-22 coverage, you may have to pay an additional fee before the insurer agrees to underwrite you and file the form. When the payment is processed, the insurance company will file SR-22 for you. You’ll receive confirmation of auto insurance coverage and SR-22 coverage in the mail.
Utah SR-22 Without a Vehicle
Knowing how to insure a car that is not in your name is just also important and requires a non-owner SR-22 insurance policy. You’ll need non-owner SR-22 insurance if you regularly drive a vehicle you don’t own.
Non-owner SR-22 insurance is more expensive, but you can still find affordable rates from most major companies in Utah, including USAA, Geico, and State Farm.
Once you choose your auto insurance company, follow the same steps above to file SR-22 without a vehicle. However, your insurance rates will increase once you file the non-owner SR-22 form.
The good news is that each company treats driving offenses differently — you could find cheaper rates with a new insurer based on your current driving record. So, save money and shop around for quotes from at least three other companies before asking your insurer to file.
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More About How to Get Cheap Auto Insurance in Utah
The best Utah car insurance company for you depends on several personal factors, including your age and the coverage amount you need. We recommend carrying full coverage auto insurance to protect you and your vehicle completely, but you’ll pay more for the best Utah auto insurance.
On average, you can expect to pay $120 per month for full coverage insurance in Utah, with Geico offering the best rates. You will pay more if you’re a high-risk driver and need high-risk auto insurance. But you can still find affordable policies from State Farm or Progressive after an accident or DUI.
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You can get cheap Utah auto insurance rates by increasing your deductibles or reducing your coverage. Utah law requires drivers to carry 25/65/15 in liability coverage and $3,000 in PIP. Maintaining these minimums will get you the lowest rates possible, but you’ll be financially responsible for your own bills after an accident or auto theft.
Avoid that risk by shopping for auto insurance quotes online. Despite competitive rates from top companies like Geico, USAA, and State Farm, you may find much better prices with local companies like Bear River car insurance.
We recommend knowing how to get multiple auto insurance quotes and comparing affordable Utah auto insurance quotes from multiple companies to ensure you aren’t overpaying for coverage in your state. It’s the easiest way to get cheap car insurance in Utah.
Take advantage of our free comparison tool below and compare Utah auto insurance quotes from local companies today.
Frequently Asked Questions
Who has the cheapest car insurance in Utah?
Geico consistently offers the cheapest rates for full coverage auto insurance in Utah. If you have DUIs or speeding tickets on your record, you may find cheaper Utah car insurance with Progressive.
How much is car insurance in Utah per month?
Utah auto insurance rates average $120 monthly for full coverage and $45 for liability.
Can my auto insurance rates be affected by my credit score in Utah?
Yes, in Utah, insurance companies can consider your credit score when determining your auto insurance rates. Insurers may use credit-based insurance scores to assess the likelihood of you filing a claim. It’s essential to maintain a good credit score to potentially qualify for better insurance rates.
Are there any discounts available for auto insurance in Utah?
Yes, insurance providers in Utah often offer various discounts that can help you save on your auto insurance premiums. Some common discounts include safe driver discounts, multi-policy discounts, anti-theft device discounts, and discounts for completing defensive driving courses.
What is the minimum auto insurance required in Utah?
All drivers must carry bodily injury liability insurance, property damage liability insurance, and personal injury protection insurance in Utah.
Is full coverage auto insurance required in Utah?
No, full coverage insurance in Utah is not required by the state. However, your lender will require you to carry it.
Is no-fault insurance required in Utah?
Yes, Utah requires drivers to have personal injury protection insurance in Utah.
Is auto insurance in Utah required?
Yes, all drivers must carry the required Utah auto insurance coverages.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.