Car insurance in Utah costs between $49 and $297 per month, depending on your coverage level, location, driving history, and the insurer you choose. The average Utah driver pays roughly $121 per month, about 14% below the national average, making it one of the more affordable states for auto insurance in the U.S.
Utah is a no-fault state, meaning your own insurer covers your medical expenses after an accident regardless of who is at fault. The state updated its minimum liability requirements on January 1, 2025, so if you haven’t reviewed your policy recently, now is a good time to confirm you have the right coverage.
Whether you’re looking for the cheapest car insurance in Utah, want to understand your legal requirements, or are trying to figure out what affects your premium, this guide covers everything you need to know.
Getting car insurance in Utah is a little less expensive than the average cost of car insurance in the U.S.A, coming in at $1,386 per year. (That’s 9% less than the nationwide average.) This is good news. What could be even better news—or far worse news—depending on a few personal factors, is that the average cost of car insurance in Utah is not likely to be the cost you pay.
Because insurance prices are not determined by averages alone. They are also determined by the very real and unique people who drive the vehicles a company insures. This means who you are and, most importantly, how you drive will affect your car insurance premiums more than any average. This goes for Utah car insurance, and car insurance just about anywhere.
So, what impacts the cost of your car insurance?
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| Coverage Type | Minimum Limit Required | What It Covers |
|---|---|---|
| Bodily Injury Liability | $30,000 per person / $65,000 per accident | Pays for injuries you cause to others in an at-fault accident |
| Property Damage Liability | $25,000 per accident | Pays for damage to other vehicles or property |
| Personal Injury Protection (PIP) | $3,000 per person | Covers your medical expenses regardless of fault (required as a no-fault state) |
These are the bare minimums. Most insurance professionals recommend higher limits, at least $100,000 per person in bodily injury liability, for stronger financial protection.
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| Coverage Type | Estimated Monthly Rate Range |
|---|---|
| Minimum Liability Only | $49 - $92 per month |
| Full Coverage (Liability + Comp + Collision) | $121 - $297 per month |
| Average (All Coverage Types) | $92 - $147 per month |
Source: compare.com
Note: Rates are based on averages and may not reflect your specific profile.
Yes. Utah has been a no-fault state since 1974. This means after a car accident, your own insurer pays for your medical expenses up to your Personal Injury Protection (PIP) limit, currently $3,000 minimum, regardless of who caused the accident.
The no-fault system is designed to speed up claims and reduce litigation for minor injuries. However, if your injuries exceed a certain threshold in severity or cost, you may be able to step outside the no-fault system and pursue a claim against the at-fault driver.
| Company | Best For | Average Monthly Rate (Est.) |
|---|---|---|
| USAA | Military members, veterans, and families | $49 - $59/month (minimum) |
| GEICO | Most drivers; online quote convenience | $65 - $81/month (minimum) |
| Auto-Owners | Good credit drivers; service quality | $67 - $102/month |
| National General | Drivers needing flexible coverage | $70 - $110/month |
| State Farm | Drivers who value local agent service | $85 - $130/month |
| Progressive | Drivers with prior incidents; bundlers | $90 - $151/month (full) |
Source: compare.com
Note: Rates are based on averages and may not reflect your specific profile.
Several factors determine what you personally pay for car insurance in Utah:
Where you live within Utah significantly impacts your rate. For example, Kearns (Salt Lake City suburb) has some of the highest rates in the state due to elevated auto theft rates, while rural areas like Moab tend to be cheaper. City drivers may pay $89/month more than rural drivers for full coverage.
A clean driving history is one of the biggest factors in keeping your premiums low. A DUI, at-fault accident, or multiple speeding tickets can substantially raise your rate, in some cases by 50% or more.
Teen drivers typically pay two to three times more than adults. An 18-year-old in Utah may pay $219/month or more for minimum liability, while a 30-year-old might pay $65–$81/month for the same coverage.
Utah insurers are permitted to use your credit-based insurance score to set rates. Drivers with poor credit can pay significantly more, sometimes double, compared to drivers with good credit.
Choosing minimum liability-only coverage costs far less than a full coverage policy, but leaves your own vehicle unprotected in the event of theft, vandalism, or weather damage.
It happens. Unfortunately, many people need to ask for an SR-22 form in order to drive legally. And it’s not just in Utah. Getting an SR-22 can be an inconvenience, but not nearly as inconvenient as not being able to legally drive your car.
An SR-22 is not a type of insurance, but rather, a form you need to ask your insurance company to file so that you can prove to your state you have insurance.
Because your driving history is less than stellar. DUI, driving without a license or insurance, dangerous driving, and too many points on your license can all cause you to require a SR-22.
And here’s the thing: when you have to ask your current insurance provider for an SR-22, you are alerting them to your poor driving history which unfortunately means one of two things will likely happen:
If you need to shop around somewhere else, be prepared there may be an upfront fee. Or the new provider may not want to insure you. But rest assured, there are plenty of companies that will. It will just cost you more.
If you don’t have a car, your best bet is to purchase non-owner car insurance and then ask for the form from that provider.
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Most major insurers in Utah offer a range of discounts. Here are the most common ways to lower your premium:
We’re not going to say that getting Utah car insurance will be fun, but we will say that it doesn’t have to be unnecessarily complicated. Remember to shop around to get the cheapest car insurance in Utah that also meets all your coverage needs, and know what the coverage is you absolutely need, versus the coverage it would be nice to have. (Hint: making this distinction can come down to what you can afford to pay out-of-pocket in the event you are in an accident.)
Whatever you do, start by getting fast and free Utah auto insurance quotes with us.
The average Utah driver pays between $92 and $147 per month for car insurance, depending on the coverage level. Drivers with minimum liability only can pay as little as $49/month with the cheapest insurers, while full coverage averages around $121/month.
Utah requires: $30,000 bodily injury liability per person, $65,000 per accident, $25,000 property damage liability, and $3,000 personal injury protection (PIP). These minimums increased from the previous 25/65/15 limits.
USAA typically offers the cheapest rates in Utah, averaging around $49–$59/month for minimum coverage, but is only available to military members and their families. For the general public, Geico and Auto-Owners tend to offer the most competitive rates in the state.
Yes. Utah has been a no-fault state since 1974. Your own insurer pays for your medical bills up to your PIP limit after an accident, regardless of fault. You can step outside the no-fault system and sue the at-fault driver if your injuries are serious enough.
Driving uninsured in Utah is a Class B misdemeanor. Penalties include a $400 minimum fine for a first offense, a $1,000 fine for repeat offenses within three years, and license suspension until proof of insurance is provided.
Utah does not require uninsured/underinsured motorist coverage, but insurers must offer it. Drivers can reject it in writing. Given that uninsured drivers exist in every state, most experts recommend carrying UM/UIM coverage for added protection.
To find cheap car insurance in Utah: compare quotes from at least three to five companies, ask about all available discounts (bundling, safe driver, good student), maintain a clean driving record, improve your credit score over time, and consider raising your deductible if you can afford higher out-of-pocket costs.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
