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Cheapest Car Insurance in Utah (May 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Utah.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Utah

No single auto insurance company will be the cheapest for every driver. The secret to optimizing your costs lies in getting quotes from multiple insurers.
Countless Utah drivers use the
Jerry Insurance Agency
to seamlessly compare quotes and shop for car insurance. Read on to find out how to tailor your auto insurance policy to your needs.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Nationwide
$73
Jeep Patriot Sport
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$106
Toyota RAV4 Limited
• 100,000/300,000 Liability
• Comp / Collision
State Auto
$100
Jeep Renegade Latitude
• State Minimum Liability
Mercury
$82
Hyundai Elantra GT
• 50,000/100,000 Liability
National General
$241
Toyota Camry LE
• State Minimum Liability
coverageLast Updated May 24, 2024

Cheapest car insurance companies in Utah

Searching for the best deal on car insurance in Utah? Jerry has conducted the biggest survey in the nation on insurance shopping, and here are the results.
Our survey outcomes show that there isn't a single best car insurance company that can call itself the cheapest option for all drivers.
USAA
and Auto-Owners earn recognition for offering the most affordable rates to the most drivers—but it’s not a guarantee for every driver. Farm Bureau,
State Farm
, and
Progressive
all offer lower than average premiums in Utah.
State Farm,
Allstate
,
Farmers
, Progressive, and USAA serve the majority of Utah drivers.
Let’s review some feedback from real customers about these companies.
Insurance companyDateCost rating (out of 5)What our customer said:
Assurance America
May 23, 2024
5
"I have had Clear Cover for about six months now. I have not had any issues in getting ahold of them if I've needed ne...(read more)"
-Charlie
AAA
May 22, 2024
4
"We loved everyone we interacted with. They are prompt with their service.. We needed to save money due to the hard t...(read more)"
-Jonathan
Dairyland
May 20, 2024
5
"It's the cheapest I've ever going and covers my legal obligations."
-Christian
Dairyland
May 19, 2024
5
"Offered me the best price on the market, hands down the best price I've ever got from an insurance company 5 stars �...(read more)"
-Timothy
Esurance
May 12, 2024
5
"When a run-away tire came off the car in front of me on the freeway and took out my bumper, I was able to have it cov...(read more)"
-Dora
coverageLast Updated May 23, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you're looking for a quick and straightforward way to compare online
car insurance quotes
, using a comparison app or website is your best bet.
With its specialized free app for comparing car insurance quotes, Jerry is the easiest way to find a great rate. Enjoy dedicated service from Jerry’s team of more than 100
licensed insurance agents
.

Minimum liability and full coverage insurance requirements in Utah

Every Utah driver is required to purchase a minimum level of
liability insurance
, including bodily injury liability and property damage liability.
Full coverage
is optional in Utah, but it’s the only way to cover damage to your own vehicle.
Furthermore, Utah drivers must also carry
personal injury protection (PIP)
with at least $3,000 of coverage limits.

Cheapest minimum liability coverage car insurance quotes in Utah

The
state minimum liability requirements
for car insurance in the Beehive State are 25/65/15:
Every driver must carry at least this amount of coverage, as mandated by the state code.   
Jerry has helped car owners in Utah find minimum liability coverage, as shown below.
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Harriett (24 years old)
coverageCoverage
State Minimum
locationClinton, UT
$228
per month
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Danny (40 years old)
coverageCoverage
State Minimum
carMercedes-Benz E 350 4matic
$96
per month
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Catherine (25 years old)
coverageCoverage
State Minimum
$101
per month
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Ronald (32 years old)
coverageCoverage
State Minimum
locationMillcreek, UT
$89
per month
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Clearcover
Elizabeth (53 years old)
$62
per month
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Gainsco
Frank (29 years old)
coverageCoverage
State Minimum
carBMW 528 XI
$156
per month

Do you need more than minimum coverage in Utah?

Many Utah drivers prefer higher liability coverage than the state's 25/65/15 minimum coverage requirements. Think about it: if you cause an accident, you may have to cover the costs of the other person's medical bills and car repairs. If the costs exceed your policy’s bare-bones limits, you could be forced to pay out-of-pocket.
Go beyond the bare minimum to avoid the burden of paying thousands of dollars if the other party's injuries are severe.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage. 
Lower my car insurance too!

Cheapest full coverage car insurance quotes in Utah

Full coverage is the best protection against all the potential disasters of life on the road. Full coverage pays for the costs to repair or replace your own vehicle after a covered incident. 
Included in your full coverage policy is comprehensive and collision coverage. 
Collision coverage
: Covers the cost of collision-related damage, such as broken bumpers or body work to your vehicle.
Comprehensive coverage
: Pays for non-collision damage, such as vandalism, theft, or even damage from hail or falling branches.
Lenders often require borrowers to purchase a full coverage policy before completing a vehicle sale. So, if you have financed your car, you probably have to purchase full coverage car insurance in Utah.
Take a look at the table below, where we've compiled a collection of recent examples that showcase how Jerry's agents have helped drivers find
affordable full coverage policies
in Utah. 
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$100
Nissan Altima SV
• State Minimum Liability
• Comp / Collision
Safeco
$89
Jeep Patriot Sport
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$136
Ford F150 Supercrew
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$106
Toyota RAV4 Limited
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$90
Mazda CX-5 Sport
coverageLast Updated May 19, 2024

Average rates for minimum liability coverage and full coverage car insurance in Utah

The average cost of minimum liability coverage in Utah is just under $137 per month, or $1,643 per year. The cost of full coverage car insurance in Utah is closer to $151 per month, or about $1,809 annually, for the average driver.
While average insurance rates can provide a helpful starting point for estimating your insurance expenses, every driver's situation is unique. Various factors, including vehicle type, driving record, claims history, and demographic characteristics, contribute to a driver's distinct profile—resulting in a personalized premium that may differ from the average rates.
The average Utah driver can expect the cost of car insurance to be about $137 per month for minimum liability coverage or about $151 for full coverage, depending on the provider. Remember, your premium could be significantly different than average, even up to several hundred dollars per month higher.

Cheapest personal injury protection (PIP) quotes in Utah

Utah drivers are required to carry at least $3,000 of personal injury protection (PIP). 
While that’s not a ton of protection when compared to the medical expenses associated with recovering from a car accident, some PIP is better than none.

Other types of Utah auto insurance

There are many extra coverages available to Utah drivers who want extra protection. Here a few other types of coverage to consider:
If your vehicle is financed:
Gap insurance
will cover the gap between the actual value of your car and the amount you still owe on the loan. New cars depreciate quickly, so this could be a wise addition to your coverage depending on your loan terms and financial situation.
If you primarily borrow or rent: Consider
non-owner car insurance
in Utah, which will
follow you from car to car
. It gives you liability protection under state law, regardless of which car you’re driving. It does not give you any coverage for the car or yourself.

Car insurance premium by rating factors

From zip code to vehicle type, car insurance companies consider many factors when calculating a person’s premium. Every insurer has a unique proprietary formula, but here are some items that every company considers:
  • Your driving record and claims history: Any violations, tickets, or claims in the past will trigger higher rates.
  • Your credit score: A good credit score means lower rates, and lower scores mean higher rates.
  • Zip code: Your neighborhood is correlated with risk. Urban areas, like
    Salt Lake City
    , experience more car thefts and traffic accidents, which will cause your premium to increase.
  • Your make and model: Sports cars, luxury makes, and performance cars tend to cost more to insure. That’s because they cost more to repair and they can be more vulnerable to theft.
  • Usage: Drive infrequently and you’ll pay less for insurance.

How Do Different Factors Impact Your Car Insurance Costs in Utah?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Utah currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Alabama:

Cheapest Utah car Insurance after a driving violation

Traffic violations can have a major impact on how much you pay for car insurance, especially if you have more than one on your record. With a pattern of violations, insurance companies will consider you a
high-risk driver
and charge you extra high rates for the risk of insuring you.

Cheapest car insurance for Utah drivers with a speeding ticket

In Utah, there are distinct brackets and
point penalties
based on how far over the speed limit you’re traveling: 
  • 1-10 MPH
  • 11-15 MPH
  • 16-20 MPH
  • 21-25 MPH
  • 26-30 MPH
  • 31+ MPH over the speed limit. 
If you drive more than 105 MPH, you can be charged with
reckless driving
.
In addition to the financial and legal consequences of a
speeding ticket
, your car insurance rates are likely to skyrocket after a ticket.
Jerry has helped drivers with speeding violations find affordable coverage in Utah. Take a look at some examples with rates below.   
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$93
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Clearcover
$108
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Clearcover
$118
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Allstate
$159
• 50,000/100,000 Liability
coverageLast Updated May 24, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
So far i love progressive. No issues and easy to use
David-1
Safeco
Safeco was able to save me $70 monthly to ensure my 2 cars, very satisfied!
Al
Travelers
Honestly could not be more great full for the great quote they gave me! This provider saved me from paying over $500mo. THANK YOU!
Natalie
Nationwide
Very cheap and convenient coverage
Keneil

Cheapest auto insurance in Utah after a DUI

Utah has strict
DUI laws
. Any DUI conviction on your record will trigger very high premiums, and it’s even possible that a company could deny you coverage.
It’s still possible to find affordable car insurance after a DUI conviction in Utah. But you’ll need to shop around and compare quotes to find the best rate for your situation—and Jerry can help.
Here’s a look at how Jerry has helped real Utah drivers find affordable rates after a DUI. For real!
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Dean (36 years old)
DUI
coverageCoverage
State Minimum
$199
per month
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Aaron (35 years old)
DUI
coverageCoverage
State Minimum
$91
per month
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Eugene (32 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$163
per month
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Margaret (48 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Durango Crew
$162
per month
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Clearcover
Ralph (34 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$77
per month
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Trevor (37 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carChevrolet Suburban K1500
$73
per month

Utah SR-22 insurance

Some violations are so serious that the offending driver must prove they are financially responsible enough to be allowed back on the road. To prove their responsibility, they must file an
SR-22 in Utah
.
An SR-22 is a form that the insurance company files on your behalf, after insuring you. You cannot file it yourself and there is a small fee for filing the form.
You might be required to file an SR-22 in Utah if:

Cheapest Utah auto Insurance after an at-fault accident

Do you have an at-fault accident on your record? This will negatively affect your car insurance rates, especially if it was a recent accident. 
Here’s a look at what you can expect to pay for car insurance after an at-fault accident in Utah.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$279
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$136
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Travelers
$107
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$101
• State Minimum Liability
At Fault With Injury
Clearcover
$105
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 23, 2024

FAQ

No,
Utah is a no-fault state
. This means that you must file against your own policy first, regardless of who caused the accident. You may only sue the other driver if a certain threshold for damages is met.
The bottom line: All Utah drivers are required to carry PIP and minimum liability coverage, but full coverage will provide much greater protection.

Cheapest auto insurance after other violations in Utah

Your premium could go up after a variety of infractions, such as careless driving or improper passing. Break a law, suffer the consequences!
Take a look at this list of common violations, how they could affect your rates, and how Jerry has helped drivers with violations find affordable coverage.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$83
Saturn VUE XR
• State Minimum Liability
Cell Phone
Clearcover
$88
Nissan Sentra 1.8
• 100,000/300,000 Liability
Defective Equipment
Travelers
$201
Subaru Outback 2.5I Limited
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Safeco
$207
Ford Edge Titanium
• 100,000/300,000 Liability
• Comp / Collision
DUI
Nationwide
$162
Dodge Durango Crew
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Gainsco
$227
Chevrolet Cruze LS
• State Minimum Liability
Illegal Turn
Safeco
$64
Audi A7 Prestige
• State Minimum Liability
Improper Passing
Bristol West
$298
Volkswagen Jetta TDI
• State Minimum Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Clearcover
$76
Dodge Grand Caravan SXT
• 50,000/100,000 Liability
• Comp / Collision
Open Container
Progressive
$133
Dodge Avenger SXT
• State Minimum Liability
Racing/Drag Racing
Progressive
$223
Honda Civic SI
• 50,000/100,000 Liability
• Comp / Collision
Reckless Driving
The General
$206
Lexus GS 350
• State Minimum Liability
Speeding Violation-Major
Travelers
$213
Mazda 3 i
• 100,000/300,000 Liability
Speeding Violation-Minor
Gainsco
$93
Toyota Corolla L
• State Minimum Liability
Suspension
Nationwide
$194
BMW 550 i
• State Minimum Liability
• Comp / Collision
Vehicle Theft
Bristol West
$83
Ford Explorer Sport
• State Minimum Liability
Other Minor
State Auto
$94
Acura MDX
• 100,000/300,000 Liability
coverageLast Updated May 25, 2024

How to find cheap Utah car insurance after a car insurance lapse

A
lapse in coverage
can actually cause your rates to increase, especially if you’re shopping for insurance and you’re currently uninsured. 
We’ve got a unique solution to this problem. Jerry sends a helpful reminder to eligible customers whenever a payment is due, so they can retain coverage and avoid gaps.
If you’re currently
hunting for insurance
and you have lapses on your record, don’t worry—you can still find savings on a new policy. Check out some examples below.
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Jerry (29 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$100
per month
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Evelyn (50 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$185
per month
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Catherine (30 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$106
per month
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Rosetta (80 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$175
per month
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Rena (37 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$208
per month
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Verna (32 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationHighland, UT
$122
per month

Cheapest Utah car insurance for drivers with poor credit

In Utah, companies are allowed to consider
your credit score
when first underwriting your policy—but they can only use it to offer discounts, not to raise your rates. What’s more, it’s illegal for a Utah car insurance company to deny anyone coverage based on their credit history. 
Of course, your credit score is not an indication of how good a driver you are. However, data shows that drivers with low credit scores tend to file more claims. As a result, drivers with poor credit scores (under 600) can expect to pay higher than average premiums—more than 90% more than the average price.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$68
Volkswagen Jetta S
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$197
Ford Expedition XLS
• 50,000/100,000 Liability
550 - 659
Travelers
$113
Hyundai Sonata Sport
• State Minimum Liability
• Comp / Collision
< 550
Nationwide
$114
Toyota RAV4 LE
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated May 22, 2024

How to find cheap auto insurance in Utah for your age

No matter where you live, your age is a key determinant in calculating your rate. Young drivers under 25 and older drivers over 75 pay more for coverage, due to the risks associated with lack of experience and the aging-related decline in physical and mental abilities.

Cheapest Utah car insurance for young drivers

Drivers under the age of 19 or a
provisional license
pay the most for car insurance in Utah. These teen drivers have the least experience behind the wheel, and they’re also more vulnerable to accidents and distracted driving. As a result, full coverage is a good choice for insuring a young teen who is driving a newer vehicle. 
Take a look at these
options for young drivers
in Utah.
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Dorothy (24 years old)
coverageCoverage
State Minimum
locationClinton, UT
$228
per month
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Helena (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$173
per month
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Nell (20 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMazda 3 Touring
$492
per month
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Clearcover
George (22 years old)
coverageCoverage
State Minimum
$101
per month
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Harry (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$326
per month
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Annie (23 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
$166
per month

Cheapest Utah car insurance for senior drivers

Older drivers
are more likely to  be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults more for coverage.
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Cory (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carDodge Grand Caravan SXT
$170
per month
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Anthony (80 years old)
coverageCoverage
State Minimum
$98
per month
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Dale (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMillcreek, UT
carLincoln Town CAR Executive
$71
per month
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Bobby (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$62
per month
card cover
Clearcover
Donald (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord F150 Super Cab
$95
per month
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Victor (67 years old)
coverageCoverage
State Minimum
carAcura MDX
$193
per month

Over 4,000,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
National General
So far so good
Tracy
Safeco
Excellent and very friendly - keep going
Rohit
Progressive
Got me covered fully for half the price of the competition, one happy customer over here!
Jacob-1
Progressive
Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.
Amanda

Utah cheapest car insurance by location

Home is where the heart is, and your Utah zip code is a major factor in determining your insurance rate, too. Weather patterns and traffic accident rates can change dramatically from one neighborhood to the next, which is why insurance companies need to know where you live and drive.
Here’s how Jerry Insurance Agency helps people find low rates all across Utah.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Taylorsville, UT
Beulah, 24
Progressive
$158
Honda CR-V EX
• State Minimum Liability
• Comp / Collision
Salt Lake City, UT
Ivan, 26
Nationwide
$90
Mazda CX-5 Sport
• 100,000/300,000 Liability
• Comp / Collision
Orem, UT
Walter, 25
Safeco
$125
Toyota RAV4 LE
• 50,000/100,000 Liability
• Comp / Collision
Midvale, UT
Jay, 30
Travelers
$106
Toyota RAV4 Limited
• 100,000/300,000 Liability
• Comp / Collision
West Valley City, UT
Arthur, 22
Allstate
$197
Ford Expedition XLS
• 50,000/100,000 Liability
West Valley City, UT
Elizabeth, 53
Clearcover
$62
Toyota Venza LE
• State Minimum Liability
• Comp / Collision
Layton, UT
Frank, 29
Gainsco
$156
BMW 528 XI
• State Minimum Liability
West Valley City, UT
Aiden, 28
Bristol West
$186
Mazda CX-5 Select
• 50,000/100,000 Liability
• Comp / Collision
Salt Lake City, UT
Don, 56
National General
$241
Toyota Camry LE
• State Minimum Liability
West Jordan, UT
Alfred, 50
State Auto
$155
Saturn VUE
• 100,000/300,000 Liability
• Comp / Collision
Salt Lake City, UT
Mario, 46
The General
$80
Toyota Highlander L
• State Minimum Liability
Provo, UT
Jayden, 55
Freedom
$164
Chrysler 200 Limited
• State Minimum Liability
• Comp / Collision
Herriman, UT
Amy, 28
Dairyland
$266
Nissan Versa Note S
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

How to lower the cost of car insurance in Utah

Now that we’ve examined why your insurance premiums are high, it’s time to explore what you can do about it. To cut your bills month after month, Jerry’s insurance agents recommend:
  1. Comparison shopping: As we’ve said, there’s an ideal auto insurance company for every driver. You won’t know if you’ve got the right one until you
    shop around
    and take a look.
  2. Bundling insurance products: What do you get when you
    bundle your car and home insurance
    together? If they’re from the same company, you get an insurance discount!
  3. Looking for
    car insurance discounts
    : Speaking of discounts, there are plenty to find. See whether your insurance provider has a program for students, veterans, or military members by giving them a call.
  4. Increasing your deductible: The more you agree to pay upfront after an accident, the less you’ll have to pay month-to-month.
  5. Changing your payment methods: Pay your bills in one to four lump sums and you’ll cut the cost of your annual premiums.
  6. Taking a defensive driving course
    : Not only can a state-approved defensive driver course remove demerit points from your record, but it can also lower your monthly premiums.
  7. Buying a used car: Pick a dependable classic with cheap repairs and low insurance costs, and you’ll enjoy many years of savings.

Why does car insurance cost this much in Utah

You might be surprised to find out that car insurance in Utah is actually more affordable than most other places in the country. Here’s what affects the price of insurance in Utah:
  • Low crime rates
  • Low number of fatal crashes
  • Low healthcare costs
  • Low overall population density 

FAQs

For bare minimum coverage, expect to spend about $70 per month on car insurance in Utah. For full coverage, the average driver will spend approximately $140 per month on car insurance. You could pay less if you can qualify for any discounts—even young people can unlock a hefty student discount.
Yes, Utah requires all drivers to carry liability coverage and personal injury protection to drive legally.
All Utah drivers must carry 25/65/15 liability coverage with $3,000 of PIP.
Yes, car insurance rates in Utah are cheaper than the national average. However, some zip codes in Utah may have higher than average prices.
No insurance company offers cheap auto insurance rates for everyone, according to Jerry’s data. However, USAA tends to offer some of the cheapest car insurance rates if you can qualify to become a member of this military-only insurance agency.
Yes. According to the DMV, you must bring proof of insurance to
register your car in Utah
. Before you go to the DMV to
register your car
, find your insurance card and proof of ownership to satisfy the state’s car insurance requirements.
Yup. The police can get your vehicle towed if your registration is revoked due to driving without insurance. You’ll have to pay for the tow and you’ll have to pay to recover the vehicle from impound.
Car insurance follows the car, if you have a standard policy. If someone is given permission to drive your car occasionally, they are covered under permissive use by your policy. However, they should get their own policy if they borrow your car frequently. Either they should be added as a named driver on your policy or they should get a non-owner policy, which follows them from car to car.
You’ll be covered in every state and Canada by your car insurance policy, in most cases. However, you should purchase a local policy if you become a resident of Utah State. There are some exceptions for members of the military—ask your insurance company for more information. 
Yes, all Utah drivers must carry PIP coverage with at least $3,000 of coverage.
No, you can only have PIP or MedPay. PIP covers many of the same incidentals that MedPay covers, but it’s not exactly the same. Ask your provider for advice about this coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.