Car Insurance in Utah

Average car insurance cost in Utah

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $746 for liability, $378 for collision and $160 for comprehensive ($1,285 combined, versus $1,439 nationally). That average expenditure is 14% higher than the NAIC's previous data year ($1,024). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.

Minimum car insurance requirements in Utah

Utah's minimum is written as 30/65/25: $30,000 per person / $65,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $900 a year here, $245 more than the minimum.

Minimums were raised recently from 25/65/15.

Is Utah a no-fault state?

Yes. Utah is a no-fault state: PIP pays first regardless of fault, and you can sue for general damages only if medical expenses exceed $3,000 or the injury involves death, dismemberment, permanent disability or impairment, permanent disfigurement or a bone fracture.

In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.

No-fault vs. at-fault explained

Uninsured drivers in Utah

The Insurance Research Council estimates 6.2% of Utah drivers are uninsured — 50th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 16 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured motorist coverage is included unless the named insured affirmatively waives it in writing), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Utah

Utah uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Convictions such as driving without insurance require an SR-22 filing with the Driver License Division, typically for three years from the conviction date.

By our model, a driver in their 30s with a DUI would pay about $1,235 a year for minimum coverage in Utah, versus $655 with a clean record. What is SR-22 insurance?

Car insurance by city in Utah

We cover 9 Utah cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in St. George ($1,370) and the highest in West Jordan ($1,550).

Estimated cost by driver profile in Utah

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Utah.

By coverage level

Cheapest and most expensive cars to insure in Utah

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,740 a year here.

Cheap car insurance in Utah: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $75 a year on a typical Utah full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,200 to $900.
• Drive less, pay less. Low-mileage and usage-based programs can save around $100 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $315 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Utah Insurance Department

The Utah Insurance Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

insurance.utah.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-439-3805

Homeowners insurance in Utah →

Utah vs. neighboring states