Let Us Help You Find Cheap Car Insurance In Utah
CheapInsurance.com has put together information, quote comparisons, and expert tips to take the hassle out of finding affordable car insurance in Utah.
Utah is known for its skiing, with the mountains near Salt Lake City collecting an average of 500 inches of snow per year. It also hosts one of the world’s premiere independent film festivals, the Sundance Film Festival.
While it’s hot and sunny in some areas in Utah, it may be snowing in others—so it’s important to drive safely to avoid having an accident.
Traveling by car in snowy or icy conditions is dangerous, even at slower speeds. Fortunately, research shows that Utah has the eighth-best road conditions in the country.
Driving without insurance in Utah is classified as a class B misdemeanor and can result in fines ranging from $400 to $1,000 if you are convicted.
If a person is convicted in court or found through a Department of Public Safety (DPS) administrative hearing to have been operating a motor vehicle without insurance, the DMV may suspend the uninsured vehicle’s registration.
When a driver is convicted of failure to insure a vehicle, the Utah Department of Public Safety (DPS) is required to suspend their driver’s license.
We have found that on average, the cost of a minimum liability car insurance policy in Utah is $182.39 per month.
To help you find the best deals on car insurance costs in the state, we’ve compared quotes from car insurers in these Utah counties:
- Salt Lake County.
- Utah County.
- Davis County.
- Weber County.
- Washington County.
We’ve compared quotes from these insurers to assist you in finding the best deals on car insurance in Utah:
- Freedom National.
- GAINSCO.
- The General.
- Dairyland.
- Bristol West.
- Progressive.
Because the car insurance costs are dependent on your individual driving profile, we’ve gone a step further and compared the cost of Utah car insurance for these types of drivers:
- Good drivers (those with a clean driving record).
- Young drivers (those aged between 16 and 25).
- Bad drivers (those with a history of traffic violations).
Minimum Liability Insurance in Utah
It’s a legal requirement in Utah to obtain minimum liability coverage if you operate a vehicle.
Minimum liability insurance is the cheapest option, but bear in mind that—in the event of an accident—it only covers the other driver’s injuries and property damage.
This means that It does not include protection against damage to your vehicle or injuries sustained by you or your passengers.
The low coverage limits could end up costing you more in the long run if you are the cause of an accident.
It may be worth your while to compare the difference in price between minimum liability insurance and full coverage insurance to see if you can afford it.
While each U.S. state will have different minimum liability insurance requirements, it always addresses three key points:
- Bodily injury coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
- Bodily injury coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident—regardless of how many people are injured.
- Property damage coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.
The minimum liability insurance requirements in Utah are:
- $25,000 per person for bodily injury coverage, which pays medical bills for people other than the policyholder who is injured during an accident.
- $65,000 per accident for bodily injury coverage.
- $15,00 per accident for property damage liability coverage.
- $3,000 personal injury protection (PIP), because Utah is a no-fault state.
The term ‘no-fault’ refers to the fact that after an accident, you do not need to prove who was found to be at-fault in order to receive compensation from your insurance company.
| Key Point: What Is PIP? PIP, also known as no-fault insurance, helps cover expenses like medical bills, lost wages, or funeral costs after a car accident, no matter who is at fault. Requirements for this coverage vary from state to state. PIP also extends to instances when you’re a passenger in someone else’s car, or if you’re hit by a car if you are a pedestrian or cyclist. PIP insurance is different from bodily injury liability insurance. While PIP coverage pays for your own expenses, liability insurance pays for the medical expenses of drivers and passengers in other cars when you are at fault for an accident. |
We have found that on average, the cost of a minimum liability car insurance policy in Utah is $182.39 per month.
The insurance company Farmers offers the lowest car insurance rates for minimum liability coverage, which costs on average $113.17 per month.
Cheapest Minimum Liability Coverage Insurance in Utah | ||||||
| Provider | Salt Lake County | Utah County | Davis County | Weber County | Washington County | Average |
| The General | $218.00 | N/A | $193.00 | $195.00 | $198.00 | $201.00 |
| Dairyland | $270.00 | $238.00 | $226.00 | $217.00 | $214.00 | $233.00 |
| Farmers | $122.83 | $108.00 | $110.00 | $112.00 | $113.00 | $113.17 |
Car insurance rates vary on an individual basis, depending on:
- The person’s driving history.
- Credit rating.
- Marital status.
- Age.
- Gender.
- Vehicle type.
- Insurance provider.
- Location within the state.
- Coverage type.
- Set deductible.
Find Cheap Comprehensive Car Insurance in Utah
Comprehensive insurance provides you with full coverage in the event of a car accident, a natural disaster, or fire. It covers damage to your car from animals, falling trees, theft, hijacking, and vandalism.
It also covers any claims if your vehicle has been hit by a third party who may not have insurance, and provides windscreen as well as glass repairs. It covers more risks than any other type of auto insurance.
If you need financing for a vehicle purchase, you may be required to buy comprehensive coverage as well as collision coverage.
| Key Point: What Is Collision Coverage?
|
To help you find the cheapest comprehensive car insurance in the state, we’ve compared the rates offered by the insurer Farmers in a number of Utah counties.
We found that the average cost for a comprehensive car insurance policy from Farmers in Utah is $148.00 per month.
Cheapest Comprehensive Coverage Insurance in Utah | ||||||
| Provider | Salt Lake County | Utah County | Davis County | Weber County | Washington County | Average |
| Farmers | $128.00 | $142.00 | $153.00 | $158.00 | $159.00 | $148.00 |
Cheap Car Insurance in Utah for Drivers with Clean Driving Records
Drivers with a clean driving record are in a good position to find cheap car insurance. Car insurance companies consider good drivers to be people who:
- Have not been the cause of any car accidents.
- Have not committed traffic offenses.
- Have a good credit score.
- Have not been issued speeding tickets.
- Have no reckless driving charges.
- Have no DUI convictions.
As an incentive, many car insurance companies offer a good driver discount on your car insurance rates, saving you more money.
Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course.
We’ve looked at the average car insurance rates offered by car insurance companies in Utah for good drivers. The cheapest car insurance companies for good drivers are Dairyland and Farmers.
Farmers offers the lowest insurance rates for good drivers, at $112.40 on average per month.
Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Utah | ||||||
| Provider | Salt Lake County | Utah County | Davis County | Weber County | Washington County | Average |
| Dairyland | $317.00 | $275.00 | $262.00 | $249.00 | $250.00 | $270.60 |
| Farmers | $100.00 | $113.00 | $110.00 | $117.00 | $122.00 | $112.40 |
Cheap Car Insurance in Utah for High-Risk Drivers
Drivers with incidents on their record—such as an at-fault accident or a DUI (driving under the influence) citation—pay higher insurance rates.
The reason for this is that insurance companies believe these drivers are more likely to make future claims against their auto insurance policy.
Some of the offenses that may lead to someone being considered a high-risk driver include:
- Receiving a DUI conviction.
- Reckless driving.
- Speeding tickets.
- Being found at-fault in a major accident.
- Having too many points on your driving record.
- Driving without meeting the minimum liability coverage requirements.
- Unpaid child support payments.
- Unpaid insurance policy premiums.
- A poor credit rating.
We have found that on average, the cost of a car insurance policy in Utah for bad drivers is $378.40 per month.
The General offers the lowest insurance rates for bad drivers, which costs on average $303.00 per month.
Cheap Auto Insurance for Bad Drivers in Utah (DUI, Traffic Ticket) | ||||||
| Provider | Salt Lake County | Utah County | Davis County | Weber County | Washington County | Average |
| Dairyland | $515.00 | $495.00 | $429.00 | $410.00 | $420.00 | $453.80 |
| The General | $326.00 | $312.00 | $287.00 | $292.00 | $298.00 | $303.00 |
Cheapest Car Insurance in Utah for Young Drivers
Since young drivers have less experience behind the wheel, insurers often charge them higher rates compared to more mature drivers.
A full coverage policy is recommended for teen drivers if they can afford it. Teens get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their cars covered.
A minimum coverage policy, though it is much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out of pocket.
Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.
On average, most drivers will see their rates decrease as they get older with a significant decrease once they’ve turned 25 years old.
We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.
The cheapest car insurance company for young drivers is Freedom Nation at $184.20 on average per month.
Cheapest Car Insurance for Young Drivers in Utah | ||||||
| Provider | Salt Lake County | Utah County | Davis County | Weber County | Washington County | Average |
| Freedom National | $197.00 | $188.00 | $189.00 | $179.00 | $168.00 | $184.20 |
| GAINSCO | $354.00 | $222.00 | $224.00 | $250.00 | $245.00 | $259.00 |
| The General | $322.00 | N/A | $283.00 | $287.00 | $291.00 | $295.75 |
| Dairyland | $312.00 | $279.00 | $265.00 | $258.00 | $269.00 | $276.60 |
| Bristol West | $394.00 | $384.00 | $351.00 | $375.00 | $380.00 | $376.80 |
| Progressive | N/A | $175.00 | N/A | N/A | N/A | N/A |
Need Cheap Auto Insurance in Other States?
Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud.
This means that your car insurance must be registered in the state you live in. Some of the penalties for committing insurance fraud include:
- Up to five years in prison.
- A $50,000 fine.
If you plan to move from Utah, you may need to find a new car insurance company in the state you move to.
You will usually have a 90-day grace period to cancel your Utah car insurance and get insured in your new state.
To find the best insurance rates in other U.S. states, read our articles below:
Top Tips for Finding Affordable Car Insurance
Take note of lender requirements
If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.
In fact, most car dealerships won’t let you drive the car off the lot until you can prove you have full coverage car insurance.
Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.
Compare quotes from different car insurance companies
Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower rate.
The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers.
You can do this yourself, but it can be a time-consuming process. You’ll need to phone each car insurance company or fill out an online form for each of them to give you a quote.
To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by entering your zip code at the top of the page and using our online quote finder.
Top Car Insurance Companies in Utah
Progressive
The Progressive Corporation is an American insurance company co-founded in 1937. It is headquartered in Mayfield Village, Ohio.
The company insures passenger vehicles, motorcycles, RVs, trailers, boats, PWC, and commercial vehicles. Progressive also provides home, life, pet, and other insurance through select companies.
With over 27 million customers, Progressive ranked 74th on the 2021 Fortune 500 list of the top American corporations.
The General
The General is an auto insurance provider that operates in multiple states across the U.S.
The company was originally founded in 1963 and specializes in car insurance coverage for high-risk drivers.
The General Automobile is a subsidiary of PGC Holdings Corporation (PGC), which is an affiliate of American Family Insurance.
PGC has been writing automobile insurance in many states throughout the country for nearly 60 years. It is a leader in the low-cost auto insurance field and has a Better Business Bureau (BBB) Rating of A+.
Utah Car Insurance FAQs
Should you get the cheapest car insurance in Utah?
In some cases, the cheapest companies do not necessarily offer the best service. You can save on car insurance premiums by choosing lower coverage limits, but these may leave you without sufficient coverage.
For instance, if you purchase a minimum coverage car insurance policy in Utah, you will not have collision and comprehensive coverage for damages to your vehicle.
Is car insurance essential in Utah?
Yes, minimum coverage car insurance is required for all drivers in Utah. The minimum required amounts are:
- $25,000 per person for bodily injury coverage, which pays medical bills for people other than the policyholder who is injured during an accident.
- $65,000 per accident for bodily injury coverage.
- $15,00 per accident for property damage liability coverage.
- $3,000 personal injury protection (PIP).
Do drivers have to carry proof of insurance in Utah?
Proof of insurance must be carried in your car at all times and must be presented when:
- Requested by law enforcement.
- Renewing vehicle registration.
- The vehicle is involved in a car accident.
How much is car insurance in my city in Utah?
Utah car insurance rates can vary by city. Rural and suburban drivers may see lower rates than those in major cities, but it may depend on other factors as well—such as your zip code, driving history, credit rating, age, and vehicle type.
The best way to find out how much you’ll pay for auto insurance is to speak to an agent or insurance company.
You can also get a free quote by entering your zip code at the top of this page.
What happens if my car is not properly insured in Utah?
Insurance companies are required to notify the Utah Department of Motor Vehicles (DMV) if drivers stop paying for their insurance coverage.
Driving without car insurance could result in a fine, and suspension of your registration and license for one month.
A second violation will result in a suspension of six months. If you fail to purchase or reinstate coverage, you will be prohibited from registering another vehicle in the state.
Is Utah car insurance higher than insurance in other states?
The average rate for car insurance in Utah is more expensive than in most other states due to the high population density and traffic congestion, which means that more accidents are likely to take place.
How Do I Find Cheap Auto Insurance in Utah?
To find the cheapest car insurance in Utah, we recommend comparing insurance quotes from a number of companies.
You can do this with ease by simply entering your zip code at the top of this page and allowing us to help you find the best deals.
Utah is known for its beautiful landscapes. It’s home to five national parks and the largest salt water lake on the western side of the world. You’ll find many outdoor activities to choose from all year round, as well as low crime rates and a diverse economy.
Another thing you can find in Utah is cheap car insurance. In fact, the state’s insurance rates are cheaper than the national average.
Get a free quote from Cheap Insurance today and decrease your premiums. You could save hundreds of dollars.
Quick Utah Car Insurance Facts
- Utah drivers will need minimum coverage with 25/65/15 policy limits.
- For full insurance coverage in Utah, drivers pay $1,186 per year, on average.
- For minimum coverage in Utah, drivers can expect to pay roughly $332 per year.
- In Utah, approximately 8% of drivers have no car insurance.
Minimum Utah Car Insurance Coverage
Information about vehicle insurance requirements in Utah can be found on the state’s Division of Motor Vehicles website.
To drive in Utah, motorists must have minimum coverage to pay for bodily injury and property damage caused by a crash. These coverages include the following:
Property damage: $15,000 per accident
Bodily injury/death: Bodily injury coverage of $25,000 per person, $65,000 per accident
Getting Cheap Car Insurance In Utah
Getting cheap car insurance is not too difficult. If you’re looking to save money, here are some tips to help:
- Get a free quote. Stop spending time researching and comparing car insurance providers. Let Cheap Insurance help you get a free quote.
- Drive safely. Drivers without claims or traffic tickets can save 10% or more on insurance.
- Downsize your vehicle. A smaller vehicle is cheaper to insure than a larger one, so trade in the SUV for a sedan. Buy a hybrid or electric car and save even more.
Utah Car Insurance Discounts
Try to save as much as possible with cheap car insurance. These discounts can help:
Good Driver: Talk with your car insurance provider about discounts for safe driving and no accidents or tickets.
Good Student: High school and college students with good grades can save on car insurance.
Good credit: Some car insurance providers will check your credit and give you better rates for better credit, as it means a person is generally more responsible.
Location: Your insurance rates are based on your ZIP code, so where you live makes a difference. Those in rural areas pay less than those in the city.
FAQ
What is the average car insurance cost in Utah?
Car insurance coverage in Utah has an average cost of roughly $1,186 per year.
How much is car insurance per month in Utah?
You can expect to pay around $99 per month on average in Utah.
What is the penalty for driving without insurance in Utah?
If you are caught driving without insurance in Utah, you will be charged with a Class B misdemeanor and ordered to pay a $400 fine.
What is driving like in Utah?
Utah residents like to drive fast, with some speed limits reaching 80 miles per hour. The state has some of the best roads in the country, but be wary of Moki Dugway, which is carved into a mountain and known as one of the scariest roads in Utah. There can also be bad drivers who don’t always follow the traffic laws, so be alert.
How can I save money on my car insurance policy in Utah?
Save money on your car insurance in Utah with these tips:
- Understand which payment options will save you money, such as online bill pay and paying in full.
- Review your policy and get rid of coverages you don’t need.
- Install anti-theft devices in your vehicles and you may get a discount.
Other Types of Coverage
While you need to have at least the minimum auto insurance coverage in Utah, you can always add more. Here are some other car insurance coverages in Utah to consider:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Medical Payments Coverage
Physical Damage Coverage
Additional kinds of coverage
Endorsements and Riders
- Towing and road service: This coverage includes roadside assistance such as battery charges, gas, and tow truck service.
- Rental car reimbursement: This coverage provides reimbursement for renting a car due to an accident.
- Gap insurance: This insurance pays the balance of your auto loan in the event your vehicle is totaled.
Cities We Cover In Utah
Cheap Insurance covers the Utah area. See what rates we can offer for you. We cover these cities in Utah:
- Ogden
- Orem
- Provo
- Salt Lake City
- Sandy
- St. George
- West Jordan
- West Valley City
