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The average cost of basic liability car insurance in Utah is $1,998 per year. Opting for full-coverage car insurance in Utah will leave you with an average cost of $2,065 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Utah
Everything from your credit score and driving history to your age, gender, and coverage level could affect the car insurance premiums you pay in Utah. That’s why getting quotes to compare is so complicated—insurance companies want a lot of information about you before they’ll give you quotes.
That’s where Jerry comes in. As a licensed insurance broker powered by AI and partnered with over 55 top-rated insurance companies, Jerry creates a single driver profile that can get you quotes from dozens of companies in just 45 seconds. No duplicate paperwork, no waiting on hold—just the quotes you need, in under a minute.
Here’s what real Jerry shoppers had to say about the cheap auto insurance they found in Utah!
The cheapest car insurance company in Utah is different for every driver. Remember how many factors insurance providers analyze before issuing quotes? A single factor, like poor credit or a clean driving record, could have a big impact on where you’ll find the cheapest car insurance rates.
State Farm, GEICO, USAA, and Progressive are some of the biggest names you’ll recognize, but don’t forget smaller companies like American Family or Auto-Owners. Depending on your profile, the best rate might be hiding somewhere you least expect!
Using the Jerry app makes finding that elusive low rate a snap. With over 55 insurance partners, including well-known companies like Allstate and Nationwide, Jerry connects Utah drivers with the best rates in under a minute!
Utah’s average car insurance rates are very close to the national average—in fact, it ranks 25th in the nation for affordable car insurance!
There are a few reasons Utah sits on that precarious middle line between affordable and expensive. For instance, Utah is a no-fault state with fairly high minimum insurance requirements. Remote and extensive miles of highways through the state increase the risk of serious accidents—but overall, Utah is one of the safest states in the country, with a low crime rate that will help keep your rates in check.
Whether you’re hovering above or below that average line, Jerry can help you find the lowest premiums. Compare average rates in Utah with other states using the links below!
Carriers in Utah follow a 25/65/15 rule for minimum liability coverage in the state. This requires drivers in Utah to have a state-required minimum of $25,000 per person for bodily injury liability, $65,000 of bodily injury liability per accident, and $15,000 of property damage liability per accident. Drivers also need to carry personal injury protection coverage (PIP) at $3,000 and property protection.
What do you need if you’re pulled over?
If you’re pulled over in Utah, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Utah a no-fault state?
Yes, Utah is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Utah only requires liability and PIP insurance. In the event of an at-fault car accident, other drivers can submit claims to your insurance company for their vehicle damages, but their own insurance company will cover their medical expenses through their PIP coverage—and so will yours. But just in case you’re in an accident with someone who doesn’t have PIP coverage, your bodily injury liability will kick in and pay for the injured party’s medical expenses up to your policy’s limit.
But if you just meet the state minimum coverage limits, you won’t have any way to file a claim for damage to your own vehicle—unless you have a full-coverage policy that includes collision insurance and comprehensive coverage on top of liability and PIP.
Take a look at the graph below to understand how much you’re paying for each.
Cheap car insurance with a DUI or speeding ticket in Utah
Auto insurance companies don’t like risk—and that’s exactly what they’ll see if you have any violations on your record.
Something as minor as a speeding ticket can impact your auto insurance premium, and serious offenses like a DUI or reckless driving charge will cause your rate to skyrocket—and they’ll stay on your driving record for up to a decade!
If your auto insurance company has labeled you a “high-risk driver,” use Jerry to find a competitive and cheap car insurance policy no matter your driving history.
Another high-risk category likely to pay high rates in Utah are teen drivers. Because younger drivers have less experience, they carry a higher risk of both accidents and violations. As a result, 16-year-old drivers pay some of the highest average premiums in Utah!
Teen drivers represent only 8% of licensed drivers in Utah, but account 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.
Compare the average rates for Utahns of different ages below, and use the Jerry app to track down savings and car insurance discounts for young drivers!
How can young drivers save money on car insurance in Utah?
Utah’s graduated licensing laws help young drivers develop the needed skills to stay safe and comfortable on the road.
Young drivers can complete an approved defensive driving course to secure lower rates.
The city with the longest commute in Utah is Eagle Mountain with an average commute time at 34.4 minutes. Drivers who constantly experience higher rates of traffic and mileage will have higher insurance rates than those who don’t.
Insurance companies don’t just care about where you live: they also want to know what you drive.
If you drive an inexpensive vehicle with a reputation for safe driving, you’ll likely have a lower rate: Subaru Forester insurance costs, for instance, are among the lowest. By comparison, Ford Mustang insurance costs are much higher, even though the base price for a ‘Stang isn’t a lot higher than the Forester!
Learn more about insurance costs for some of Utah’s most popular vehicles below.
Utah’s insurance law requires all drivers to carry proof of insurance that includes certain amounts of liability insurance and PIP coverage. But will minimum car insurance give you sufficient protection in Utah?
The short answer: probably not. Experts recommend going beyond Utah’s liability minimums and buying at least $100,000 per person / $300,000 per accident of bodily injury coverage and $100,000 of property damage liability. With these limits, you’re less likely to be underinsured in the event of a serious at-fault accident—and while those numbers might seem steep, the cost to you is much, much lower!
But liability limits are just the beginning. You should also purchase collision and comprehensive insurance, especially if it’s a requirement from the lender that issued your auto loan. Full coverage car insurance typically includes both collision and comprehensive on top of minimum liability, and you may also want to add uninsured motorist coverage.
Check out the features below to see some of the risk factors that influence the coverage you need in Utah.
Utah ranks 18th for traffic and infrastructure, putting Utah in the upper half of states with good infrastructure and minimal traffic. However, drivers should still get collision coverage in case they get into an accident.
In Utah, only 6.50% of drivers are uninsured. If you’re involved in an accident with an uninsured driver, they won’t be able to cover you in terms of vehicle repair fees. To avoid this, you’ll want uninsured/underinsured motorist coverage so you know that you’re protected.
Utah drivers rate their roads 6.67/10, making Utah’s roads above average when compared to other states. Bad road conditions can damage your car—like having a flat tire on an empty country road in a worst-case scenario. Roadside assistance can provide your car with a helping hand.
How to save money on car insurance in Utah
Shopping for auto insurance in Utah can get expensive. That’s why we’ve got tips to help you find the cheapest auto insurance, no matter your vehicle, ZIP code, age, gender, or credit history.
Shop around for quotes
Unless you’re a very special kind of person, comparing car insurance quotes isn’t something you do for fun. It’s something you do because it’s the only way to find the lowest rate on the coverage you need.
But Jerry makes it effortless—and, if we dare say it, as close to fun as insurance is ever gonna get. After all, when it only takes 45 seconds to find an average of $800+ in annual savings, insurance is suddenly a lot more fun!
It’s not just the speed of our savings that matters. With Jerry, you’re also getting a team of licensed insurance agents who can handle all the paperwork that goes into switching policies. They’ll even help you cancel your old insurance! And because Jerry takes our customers’ trust seriously, we’ll never share or sell your personal information.
Quotes from Jerry are everything car insurance should be: personalized, prompt, and protected.
Keep your eyes out for the following popular discounts—and check to see if you can stack multiple discounts for extra savings!
Clean Driving Record Discounts
If you have a clean driving record, you’re more likely to receive a discount from your carrier. Having a clean driving record means that you don’t have any accidents, speeding violations, or charges such as reckless driving. Insurers are more likely to give discounts to customers with clean driving records, as they’re far less likely to file a claim making them cheaper for the carrier.
If you’re looking for an insurance discount, you should consider bundling. Carriers encourage individuals to have their home and auto insurance with the same carrier by offering them discounts.
Safety Ratings and Anti-theft Discounts
Insurance carriers prefer vehicles that have highly rated safety features and anti-theft technology. Carriers prefer these vehicles because they are less likely to be stolen or involved in a serious accident. To encourage people to own these vehicles, they will offer lower rates to drivers who own them.
Increase your deductible
If your insurance policy includes comprehensive or collision insurance, it comes with a deductible—a set amount that you agree to pay out of pocket before your insurance kicks in on a claim.
In most cases, that deductible will be either $500 or $1,000. For the higher amount, you’ll pay less per month to maintain the policy. But you can often raise your deductible past $1,000, and doing so will reduce your monthly expenses.
Just be careful if considering this approach. Unless you have enough in your bank account to cover the full deductible amount, you won’t be able to make a claim, which could leave you in a catastrophic financial position.