Cheapest Liability Car Insurance in Utah (2026)

What is liability car insurance?

Auto liability coverage offers financial protection if you cause a car accident. In particular, it pays for bodily injuries and property damage sustained by other drivers and their passengers, pedestrians, and property owners.

The state of Utah requires residents to buy liability insurance to ensure that people harmed in a crash won’t have to pay medical bills and property repair costs when they weren’t the at-fault driver.

Liability-only insurance only protects other people you may harm in an accident. If you also want protection for your vehicle, you’ll need full-coverage car insurance, which includes liability coverage plus collision coverage and comprehensive insurance.

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Cheapest liability car insurance in Utah

The average cost of liability-only car insurance in Utah is $92 per month, according to Insurify data. In contrast, full coverage averages $146 per month. But what you pay will depend on several factors, such as your age, ZIP code, driving history, and credit history.^[1]

Here’s a look at some cheap liability insurance companies in Utah, based on Insurify data:

The below rates in Utah are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
USAA	$50
Auto-Owners	$60
Progressive	$60
National General	$65
State Farm	$67
GEICO	$74
The General	$76
Sun Coast	$79
Allstate	$82
American Family	$84
Direct Auto	$91
Mile Auto	$91
Clearcover	$95
Freedom National	$95
Root	$101
Safeco	$106
Bristol West	$111
Dairyland	$112
GAINSCO	$115
Farmers	$117
Liberty Mutual	$148
State Auto	$155

Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Minimum liability car insurance requirements in Utah

Utah car insurance requirements include three types of coverage: bodily injury liability, property damage liability, and personal injury protection (PIP).

Here’s a look at Utah’s minimum car insurance requirements and what each type of insurance covers:^{[2] [3]}

Type of Coverage	Minimum Required	What It Covers
Bodily injury liability	$30,000 per person/$65,000 per accident	Medical expenses, lost wages, and other costs for people you injure
Property damage liability	$25,000 per accident	Repairs to other people’s cars and property, such as a mailbox or fence
Personal injury protection	$3,000 per person	Medical expenses, lost wages, and other expenses for you and your passengers, regardless of who’s at fault

Your insurer will also include uninsured motorist coverage unless you reject it in writing.^[4] 

For example, say you run a red light in Sandy and hit a car with two people inside. Minimum bodily injury liability coverage can pay up to $30,000 for each person’s injuries, and your property damage liability coverage can pay up to $25,000 to repair their car. The minimum car insurance in Utah won’t pay to repair your vehicle.

Is minimum liability coverage enough in Utah?

For most drivers in the Beehive State, the minimum liability coverage isn’t enough. While you can legally drive with it, the cost of a severe accident could surpass the basic limits required by law.

For example, if you injure someone and their medical costs are $50,000, the $30,000 state-required coverage won’t cover it all. In this case, the person you injured or their insurance company could sue you for the remaining $20,000.

Minimum coverage also won’t pay for your vehicle if it gets damaged in a collision or due to severe weather, or even if someone steals it. In general, consider buying more than just liability coverage in the following situations:

• You leased or financed the car. Leasing companies and lenders often require full coverage.

• Your car is new or valuable. Collision and comprehensive coverage can prevent costly repairs.

• You can’t afford to replace your car. Even if your car is paid off, collision and comprehensive insurance can help you avoid having to borrow money to replace your vehicle.

Penalties for driving without liability insurance in Utah

Driving without insurance coverage in Utah is a class C misdemeanor. If it’s your first offense, you may face a fine of $400 or more — though the court may waive up to $300 if you obtain coverage after the violation but before sentencing.^[5]

For your second and subsequent violations within three years of the first, the fine is at least $1,000.

If you’re convicted, the Utah Department of Motor Vehicles will suspend your driver’s license. To get it back, you’ll need to provide proof of insurance and keep it on file with the state for three years. If you cancel the policy without notice during that time, your license will be suspended for the remainder of the three-year period unless you get coverage again.

Also, if you get in a crash without coverage, you lose the immunity provided in Utah’s no-fault insurance law. In this case, you’re personally responsible for paying the PIP benefits a standard Utah policy provides.^[6] 

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How to find cheap liability car insurance in Utah

These steps can help you find cheaper rates for liability insurance in Utah:

• Compare rates every six months. Insurance companies use different processes for setting rates, and the cheapest rate for you right now might not be the cheapest option a year from now. Shop around and compare quotes from Utah car insurance companies every six months to ensure you’re always getting the best possible rates.

• Bundle home and auto insurance. About 70% of Utah homes are owner-occupied, according to U.S. Census Bureau data, and many insurers offer car insurance discounts if you bundle your homeowners insurance and auto coverage. If you’re a renter, you could also bundle renters and auto insurance to save. 

• Ask about student discounts. If you or a driver on your policy attends the University of Utah, Brigham Young University, or any other college or university, you may qualify for a discount if they maintain good grades or live far enough away.

• Keep your record clean. Utah has a low rate of motor vehicle crash deaths compared to other states, according to Insurance Institute for Highway Safety data, but it’s still crucial to practice defensive driving and follow traffic laws.

Liability car insurance in Utah FAQs