As a no-fault state with higher than average traffic fatalities, car insurance doesn’t usually come cheap in Utah. But there are still good deals out there, and shopping around is the best way to find them.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Utah. And if you want to learn more about car insurance rates in Utah, keep reading.
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Utah.
Cheapest minimum coverage car insurance in Utah
The minimum required insurance coverage varies depending on your state laws. In Utah, drivers must have the following:
$25,000 bodily injury liability per person
$65,000 bodily injury liability per accident
$15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Utah:
Additional coverages you might want to consider when shopping for car insurance in Utah
Coverage to consider
High traffic fatalities
Collision insurance is key for protecting your own vehicle. It will cover repairs for any damage incurred as the result of a collision with another vehicle.
Utah has miles of highways through scenic landscapes. Roadside assistance is there for you if you get stuck and need a tow, battery boost, tire change, or locksmith services, among others.
Even though minimum liability insurance is all that’s required to get behind the wheel in Utah, securing additional coverage is a good idea for most drivers.
Best carriers for minimum coverage car insurance in Utah
Driving without insurance is a misdemeanor in Utah. If you’re caught—either at a traffic stop, after an accident, or by the state’s Uninsured Motorist Identification Database Program—you’ll face fines of up to $1,000, suspension of your license plus costly reinstatement fees, and an SR-22 requirement for three years.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Utah:
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.
Cost to insure your car in Utah by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teen drivers represent only 8% of licensed drivers in Utah, but accounted for 20% of all motor vehicle crashes in the state. This age group is, unfortunately, 1.7 times more likely to get into an accident in Utah than drivers of other ages.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Types of discounts that might be available to you in Utah
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Utah.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
Defensive driving discount
Older drivers who complete an approved defensive driving course may be eligible for discounted premiums.
Good student discount
Full-time students under the age of 24 may receive a discount on their rate if they maintain a B average in their studies.
Some insurers offer discounts if you’re willing to have your driving habits monitored by an app or telematic device. Safer driving means more savings.
Paying for your policy in full at the beginning of the term can net you a small discount overall.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in Utah?
Many of the most popular cars in Utah are compact to midsize sedans—cars like the Civic, Corolla, Malibu and Impreza. These are also some of the most affordable vehicles to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Utah is a no-fault state. This means that in the event of an accident, each person goes to their own insurer for compensation and coverage, regardless of who was at fault.
Much of Utah is also considered urban, which tends to keep rates higher. Only about 10% of the state is considered rural.
That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Utah:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.