Cheap Auto Insurance Quotes in Utah (2021)

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Van life, all-American roadtrip, or weekend getaway, Utah is an outdoorsy dream.

Ten world-class ski resorts, seven national monuments, five national parks, three million people, and one very salty lake—there’s no room in for high auto insurance premiums. With nearly 100,000 miles of roadway through both arid desert and snow-capped mountains, the Beehive State has something for everyone. On the roadways of Utah, there are over 2 million registered vehicles, so a solid car insuarance policy is essential for every Utah driver. So, whether you're setting off to hit the slopes in Park City or climb the walls of Moab, or you're lucky enough to call Utah home, we've got you covered.

Cheapest Car Insurance in Utah

Here are the cheapest carriers in Utah for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Utah.

Best Car Insurance in Utah

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Utah. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Utah

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Utah to find you the cheapest quotes in each of these metropolitan areas.

Salt Lake City is both Utah's capital and its most populous city. Locals often recommend getting some good snow tires if you're staying there permanently.

Quotes by Top Carriers
Quotes ($/mo)
$48
$107
$147
$175
$182
ProgressiveAllstateState FarmThe GeneralLiberty Mutual
Monthly $
CityCheapest Carrier
ProgressiveProgressive
$48/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$48/mo
ProgressiveProgressive
$51/mo
ProgressiveProgressive
$45/mo
AllstateAllstate
$83/mo
ProgressiveProgressive
$37/mo
State FarmState Farm
$126/mo
AllstateAllstate
$94/mo
AllstateAllstate
$80/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$39/mo
ProgressiveProgressive
$40/mo
Sun CoastSun Coast
$95/mo
ClearcoverClearcover
$95/mo
Sun CoastSun Coast
$107/mo
TravelersTravelers
$100/mo
KemperKemper
$75/mo
Sun CoastSun Coast
$81/mo
Sun CoastSun Coast
$108/mo

Cheapest Liability Auto Insurance in Utah

For drivers in Utah, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Utah. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Utah.

Cheapest Full Coverage Auto Insurance in Utah

For drivers in Utah, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Utah. The following are the best insurance rates from carriers that offer full coverage auto insurance in Utah.

Utah Driving Facts

utah

 

Minimum Car Insurance Requirements in UT

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

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

Cheapest Car Insurance Quotes in Utah by Profile

Here are the cheapest insurance companies in Utah based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Utah drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Utah, at $24 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$24/mo
Allstate
$80/mo
State Farm
$98/mo
The General
$137/mo
Liberty Mutual
$142/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Bear River
$30/mo
USAA
$61/mo
Progressive
$66/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Bear River
$32/mo
Auto Owners
$47/mo
USAA
$47/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Bear River
$30/mo
USAA
$38/mo
GEICO
$55/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Utah, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $31 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Utah 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Utahns lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$31/mo
Bear River
$33/mo
Auto Owners
$42/mo

SR‌-22 Insurance in Utah

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Utah on your behalf.

UT DMV Information

The Utah Department of Motor Vehicles has dozens of outposts around the state, operating from 9 to 5 PM, with some special early morning, evening, and Saturday hours.

At the DMV, Utah residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.

Regardless of where you live in Utah, a DMV shouldn’t be too far. Utah residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Utah Department of Insurance while visiting their local Department of Motor Vehicles.

Insurify Insights: How Utah Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Utah drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Utah

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. Among all fifty states, Utah drivers rank 10 in the number of car accidents per driver.

  • Rank of States: #10
  • Percent of drivers in Utah with an accident: 11.5%
  • Drivers in UT with an accident in their driving history paid on average 42.36% more than drivers with a clean record

Speeding Utah

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Utah drivers rank 12 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #12
  • Percent of drivers in Utah with a speeding ticket: 12.22%
  • Drivers in UT with a speeding ticket in their driving history paid on average 36.81% more than drivers with a clean record

DUI/DWIs Utah

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Utah drivers rank 15 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #15
  • Percent of drivers in Utah with a DUI: 2.64%
  • Drivers in UT with a DUI in their driving history paid on average 8.33% more than drivers with a clean record

Most Popular Vehicle Utah

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Utah is the Ford F-Series Pickup.

Rude Utah

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Utah drivers rank 5 in rude driving infractions.

  • Rank of States: #5
  • Percent of drivers in Utah with a reckless driving violation: 2.6%
  • Drivers in UT with a reckless driving violation in their driving history paid on average 32.64% more than drivers with a clean record.

Safest Drivers Utah

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Utah drivers rank 41 in clean driving records across all fifty states.

  • Rank of States: #41
  • Percent of drivers in Utah with clean record: 77.43%

Street Racing Utah

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Utah drivers rank 15 in street racing violations per driver.

  • Rank of States: #15
  • Percent of drivers in Utah with a street racing violation: 0.01%

Failure to Yield the Right of Way Utah

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Utah drivers rank 7 in failure to yield violations per driver across all fifty states.

  • Rank of States: #7
  • Percent of drivers in Utah with a failure to yield violation: 0.75%
  • Drivers in UT with a failure to yield violation in their driving history paid on average 33.33% more than drivers with a clean record

Reckless Drivers Utah

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. Among all fifty states, Utah drivers rank 28 in the number of reckless driving offenses per driver.

  • Rank of States: #28
  • Percent of drivers in Utah with a reckless driving offense: 0.08%

Hybrid/Electric Vehicle Ownership Utah

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 of States: #18
  • Percent of drivers in Utah with a hybrid/electric vehicle: 1.03%

Greenest Cities in Utah

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Utah offers many green driver incentives, including federal tax credits, grants, loans, and discounts through some car insurance carriers.

Greenes Cities

South Jordan

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Ogden

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Ogden won Insurify's Most Patriotic Cities Award for the state of Utah.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Utah is vital for all car insurance shoppers hitting the road in The Beehive State.

road with cars illustration

Road Rankings

10%Rural Roads in
Poor Condition

#18
Ranked

4%Structurally Deficient
Rural Bridges

#15
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#31
Ranked


FAQs - Utah Car Insurance

What does no-fault insurance mean?

One of just a handful of states, Utah abides by a no-fault auto insurance system. These laws mandate that every driver carry their own protection. Regardless of fault, after an accident, each driver’s own insurance policy covers damages. The logic of a no-fault state like Utah is that it will decrease litigation over culpability following an accident.

What is the penalty for driving uninsured in Utah?

Driving uninsured puts yourself and cars around you in great danger—never drive uninsured. If you’re caught driving uninsured in Utah, you face a Class B misdemeanor, which could put you in jail for up to six months and cost you thousands in fines, and reinstatement fees. For additional offenses, punishments worsen.

Who has the cheapest car insurance in Utah?

The best way to get the cheapest car insurance in Utah and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.