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Cheap Car Insurance in Utah (With Quotes, May 2022)

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JJ Starr

By: JJ Starr

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Stephen DeFord

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Utah is $198 per month, or $2,372 annually.
  • Sun Coast is the cheapest provider we found in Utah, with average premiums of $104 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Utah

Utah drivers enjoy fairly cheap car insurance costs compared to the national average. Even so, there are many ways to access even lower rates, including using discounts, comparing rates, and adjusting your coverage options. Here, we show you what car insurance rates you can expect to pay in the Beehive State, and offer our best tips for lowering your rates even further.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Utah

How much is car insurance in Utah?

The average cost of car insurance in Utah is $198 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

We compared thousands of car insurance quotes across the state to understand which companies consistently offer the cheapest car insurance rates. Keep in mind that the cheapest car insurance company on average may not be the cheapest one for you. Always compare quotes from multiple companies before you decide to buy.

Car Insurance CompanyAverage Monthly Quote
Sun Coast$104
Travelers$111
Clearcover$113
Novo$130
Kemper Preferred$137
Kemper$145
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Utah

If you drive an older vehicle, you may want to purchase liability-only insurance. Liability insurance covers damages—property damage and medical bills up to coverage limits and minus your deductible—for car accidents that you cause (a.k.a. you’re “at fault”). It’s made up of a few parts:

  • Bodily injury liability coverage
  • Property damage liability coverage
  • Personal injury protection
  • Uninsured motorist protection (optional but recommended)

But it doesn’t cover damages to your vehicle. Below are the best car insurance companies for liability-only car insurance policies in Utah.

Car Insurance CompanyAverage Monthly Quote
Sun Coast$75
Travelers$76
Kemper Preferred$81
Acuity$88
Clearcover$90
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Utah

Full-coverage car insurance is liability insurance paired with comprehensive and collision coverage. Collision coverage covers your car after an at-fault accident. Comprehensive coverage covers other damages to your car, such as from hail or vandalism. Though more expensive, they’re worth it (or sometimes required) for a new vehicle.

Car Insurance CompanyAverage Monthly Quote
Sun Coast$121
Travelers$125
Clearcover$126
Novo$147
Kemper Preferred$150
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Utah

Price isn’t everything. Some companies offer excellent service, technology, and other perks that often make them worth a few extra dollars a month. So don’t feel pressured to choose the lowest rate possible. It’s up to you to decide which company is worth the money. Below are the best cheap car insurance companies in Utah.

Car Insurance CompanyICSAverage Monthly Quote
Nationwide89$171
Safeco86$176
Liberty Mutual82$186
Travelers80$111
State Auto76$181
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

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Utah Car Insurance Rates by Driving and Accident History

Your driving record has a big impact on the cost of your car insurance policy. Drivers with clean driving records, i.e., “good drivers,” pay the least for car insurance. Drivers with DUIs or an at-fault accident pay much more for their coverage. Even a minor traffic violation can raise your rates. In this section, we cover the average rates for drivers with varying records.

See More: High-Risk Car Insurance Utah

Cheap Car Insurance for Good Drivers in Utah

To qualify as a “good driver,” your driving record must be clear of speeding tickets, DUIs, accidents, and any other violation. Most insurance companies will require you to have a few years of driving experience before they give you a good driver discount. Below are the best rates for good drivers in Utah by company.

Car Insurance CompanyAverage Monthly Quote
Travelers$102
Novo$127
Kemper$128
Kemper Preferred$128
Freedom National$133
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Utah

DUIs—driving under the influence of alcohol or drugs—can wreak havoc on your car insurance rates for years. It causes one of the largest price increases and counts against you for a duration of three to five years on average. It’s best to choose an auto insurance company that specializes in offering cheap insurance prices to high-risk drivers.

Car Insurance CompanyAverage Monthly Quote
Stillwater$107
Sun Coast$110
Novo$116
Travelers$121
Kemper Preferred$126
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

​​See More: SR-22 Insurance Utah

SR-22 Insurance in Utah

An SR-22, sometimes called a “certificate of responsibility,” is a special form that’s filed with the Utah DMV to prove that you have at least state minimum coverage for car insurance. Your car insurance company must file the SR-22 on your behalf. There are a few instances where you’ll be required to file SR-22s:

  • You’re convicted of a DUI
  • You’re convicted of driving uninsured
  • You cause a serious car accident
  • Your license was revoked and reinstated
  • You have too many points on your license

The insurance companies listed below offer SR-22 in Utah:

Cheap Car Insurance for Drivers with an At-Fault Accident in Utah

At-fault accidents, even minor ones, will raise your car insurance rates for three to five years. Some companies offer accident forgiveness, which will minimize financial ramifications. But even if you don’t have accident forgiveness, you can look for car insurance companies that specialize in offering affordable car insurance to drivers with spots on their records.

Car Insurance CompanyAverage Monthly Quote
Travelers$127
Sun Coast$136
Novo$144
Clearcover$158
Progressive$161
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Utah

Speeding tickets may not seem like a big deal, but they can also jack up the cost of car insurance quickly. Multiple speeding tickets will raise your rates even higher. If you want lower rates after a ticket, you should compare rates from multiple companies at least once a year. Below are the cheapest auto insurance rates for drivers with speeding tickets.

Car Insurance CompanyAverage Monthly Quote
Travelers$137
Clearcover$144
Novo$145
Kemper Preferred$157
Kemper$181
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Utah Car Insurance Rates by Credit Tier

In most states, car insurance companies are allowed to review your credit score when deciding your rate. This is legal under the Fair Credit Reporting Act (FCRA). Most insurance companies do use credit rating to determine rates. Scores are put in tiers, with higher scores being more favorable than lower scores. Below are the average car insurance premiums by credit score.

Credit TierAverage Monthly Quote
Excellent$166
Good$177
Average$206
Poor$257
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Utah Cities

Your location also impacts your car insurance rate in a big way. Insurance companies consider your area’s claim rates, population density, crime rates, and even climate when determining what rate to offer you. People in urban areas typically pay more than people in rural areas with similar coverage and driving profiles. Below are the average rates for car insurance by city.

CityAverage Monthly Quote
Salt Lake City$177
West Valley City$200
Provo$172
West Jordan$198
Orem$171
Sandy$178
Ogden$161
Saint George$139
Layton$167
South Jordan$200
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Utah Car Insurance Rates by Driver Age

Your age is another factor that affects your rate. Young drivers pay more than older drivers, with teen drivers paying the most on average. That’s because drivers with less experience are more likely to be in an at-fault accident. Rates stay low for drivers until well into their retirement years, when they start to rise again. Below are the average premiums for Utah drivers by age group.

Age GroupAverage Monthly Rate
Teenagers$367
Under 25$271
20s$195
30s$154
40s$179
50s$157
60s$134
70s$144
80+$144
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Utah Driving Facts

Every state has minimum insurance requirements, and Utah is no exception. Additionally, all drivers in Utah will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Utah.

Minimum Car Insurance Requirements in Utah

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Utah are as follows:

  • $25,000 per person/$65,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Utah state law are $25,000 for the death or injury of a single victim as a result of a car accident and $65,000 for the deaths or injuries of multiple victims.

Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Utah law.

  • $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Utah is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $3,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $3,000 is required for minimum coverage in Utah.

Utah DMV Information

At the Utah Department of Motor Vehicles, you can obtain or renew your driver’s licence, report a stolen vehicle, obtain handicap placards, register your vehicle or renew your vehicle registration, and get your license plates. Most of these tasks can be completed online once you initially set up an account. You can also set up renewal notices to be sent to your email.

Public Transportation in Utah

The best public transportation can be found in the Salt Lake City metro area. However, many areas with larger populations have some sort of public transit operated by the Utah Transit Authority. You can find information about public transit in Utah by visiting your local government’s website.

Beyond public transit, you can also find Greyhound bus service and Amtrak rail service throughout the state.

How to Get the Cheapest Car Insurance in Utah

Getting cheap car insurance begins with understanding the types of coverage and amount of coverage you need. Next, you should know which car insurance discounts you’re eligible for—good driver, bundling, etc. Finally, you should compare rates from insurers in your area. Luckily, you can compare rates easily with Insurify.

Fill out one form to receive six or more car insurance quotes from the best auto insurance companies in your area. The process typically takes less than five minutes. Plus, you’ll get quotes without giving out your information to each one. Best of all, our tool is completely free to use.

Frequently Asked Questions

  • Yes, car insurance is mandatory in Utah. That means by law, drivers need to carry at least minimum liability insurance. If your car is financed, your lender will require you to carry additional coverage, such as collision coverage, comprehensive coverage, or both. You should consider purchasing higher coverage limits, as these can easily be exceeded during a claim.

  • The best way to get cheap insurance is by using discounts and comparing car insurance quotes before you buy. Bundling car insurance with other products, such as homeowners insurance or renters insurance, is the best way to get a discounted rate. If you’re having trouble affording car insurance, you should consider downsizing your vehicle to one that’s less expensive to insure.

  • Most drivers in Utah pay between $100 and $200 for car insurance depending on their vehicle, types of coverage, coverage limits, driving history, and other factors. Many drivers are able to pay much less than the average by choosing a liability-only policy and using discounts. Drivers of luxury vehicles can pay a lot more, as they often need full-coverage policies.

  • There are two things that can drive your car insurance rates up: getting a DUI and causing an at-fault accident. Speeding tickets and other traffic violations will also increase your rate. Just having a history of a claim can raise your rate, too. Other factors, such as living in a densely populated area, being a high-mileage driver, and having poor credit, will also raise rates.

  • Utah drivers are required to carry PIP coverage with a coverage limit of at least $3,000. PIP insurance covers your medical expenses in the event of any accident, which makes Utah a no-fault state. That means your insurance covers you even when the accident is not your fault. This also means Utah drivers are restricted from suing other drivers for injury in most cases.

Insurify Insights

How Utah Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Utah drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Utah

#12

State with the Most Speeding Tickets Rank

#11

State with the Moving Violations Rank

#15

State with the Most DUIs Rank

#19

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Utah is the #10 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #10
    • Percent of drivers in Utah with an accident: 11.34%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in UT who have a current at-fault accident on their driving record pay 42.36% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Utah is the #12 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #12
    • Percent of drivers in Utah with a speeding ticket: 12.22%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in UT with a speeding ticket in their driving history pay on average 36.81% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Utah is the #15 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #15
    • Percent of drivers in Utah with a DUI: 2.64%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in UT with a DUI in their driving history pay on average 8.33% more than drivers with a clean record.
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Utah is the #5 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #5
    • Percent of drivers in Utah with a rude driving violation: 2.6%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in UT with a rude driving violation in their driving history pay on average 32.64% more than drivers with a clean record.
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Utah is the #28 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #28
    • Percent of drivers in Utah with a reckless driving offense: 0.08%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Utah is the #7 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #7
    • Percent of drivers in Utah with a failure to yield violation: 0.75%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in UT with a failure to yield violation in their driving history pay on average 33.33% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Utah is the #41 state in the country for drivers with a clean record.

    • Rank among states: #41
    • Percent of drivers in Utah with a clean record: 77.43%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Utah drivers rank #18 in hybrid and electric vehicle ownership across all fifty states.

    • Rank among states: #18
    • Percent of drivers in Utah with a hybrid/electric vehicle: 1.03%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

JJ Starr
JJ Starr
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Content Writer at Insurify

J.J. Starr is a health and finance copywriter who enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.

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