Car Insurance in Utah

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Looking for cheap car insurance in Utah?
Utah is a no-fault insurance state so car insurance policies tend to cost more than the national average. All the more reason to use a insurance super app like Jerry to find the best savings without sacrificing coverage.
Insurance rates vary from provider to provider, and location is just one of many factors that go into the equation. From Salt Lake City to Provo and everywhere in between, shopping around is always the best way to save.
Of course, few people have the time required to fill out endless forms for online quotes.
Thankfully, Jerry takes care of all the legwork so that you don’t have to deal with it! After generating competitive quotes from top providers in your area, Jerry will automatically switch you over to your new policy, cancel your old one, and even handle renewals. Jerry customers save an average of $879 per year—oh, and Jerry is free to use!
Think it all sounds too good to be true? Check out these quotes from real Jerry customers in Utah:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
July 12, 2021Chevrolet Tahoe K1500Payson23ClearCover$200/mo.$99/mo.
May 9, 2021Nissan Sentra SWest Valley City24ClearCover$172/mo.$134/mo.
September 29, 2021Hyundai Sonata SportWest Valley City20ClearCover$300/mo.$137/mo.
June 8, 2021Hyundai Elantra SELehi24ClearCover$300/mo.$169/mo.
August 8, 2021Chevrolet Silverado K1500 LTCedar City21Allstate$280/mo.$201/mo.
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How much does car insurance cost in Utah?

The average cost of liability-only car insurance in Utah is $1,640 per year. If you prefer to buy full-coverage car insurance in Utah, you can expect to pay an average cost of $1,831 per year.

How does the annual cost in Utah compare to the rest of the country?

When comparing these figures to the nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
Why is car insurance in Utah expensive? There are a few key things to consider:
  • No-fault state with fairly high minimum insurance requirements.
  • Remote and extensive miles of highways through the state.
  • High rates of traffic accidents and fatalities.
Here’s how Utah’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
UT$1,944$1,308$1,701$968$2,280$1,626
National Average$2,491$1,672$2,359$1,390$2,763$1,962
UTNational Average
All Coverage Before Jerry
$1,944$2,491
All Coverage After Jerry
$1,308$1,672
Minimum Coverage Before Jerry
$1,701$2,359
Minimum Coverage After Jerry
$968$1,390
Full Coverage Before Jerry
$2,280$2,763
Full Coverage After Jerry
$1,626$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Utah

Drivers in Utah have a number of insurance providers to choose from. Both regional and national companies like National General, Kemper, and more are available.
There are many factors that are used to determine your risk profile and what your premiums may be. Each carrier uses their own formula to determine the risk presented by drivers.
Some of the most common include your age, your driving record, type of vehicle and, yes, your location.
Some of the most popular carriers in Utah include the following:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$5,100$4,280Compare Prices
Kemper$4,052$2,211Compare Prices
Dairyland$3,266$1,140Compare Prices
Nationwide$2,588$946Compare Prices
Allstate$2,572$877Compare Prices
Safeco$2,680$825Compare Prices
Travelers$2,357$727Compare Prices
State Auto$1,827$409Compare Prices
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What car insurance do you need in Utah?

There are mandatory insurance minimums in most states. In Utah, you’ll need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $65,000 per accidentCovers the costs associated with injuries you cause to others.
Property damage liability$15,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$3,000Covers medical expenses, lost wages, and rehabilitation costs after an accident
If you choose to get behind the wheel without the required insurance, you may face any number of serious penalties:
  • You could be charged with a class B misdemeanor.
  • Fines ranging from $400 to $1,000.
  • Suspension of license, registration, and plates.
  • Reinstatement fees up to $100.
Securing the minimum insurance will help you with legal obligations, but it won’t protect you fully if you get in an accident. The following are some more helpful options to consider:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
The easiest and most effective way to find a car insurance policy that suits your needs is by downloading Jerry.
In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from 50+ top insurance companies and Jerry takes care of the rest— from securing your new policy and helping you cancel your old one.
No long forms. No calling around. No hard work. Just savings.
Now that you know what insurance you’ll need in Utah, let’s break down what might impact the costs.

How is your cost of car insurance determined in Utah?

There are numerous factors that influence the cost of your insurance premiums. Some of the most common ones are age, driving record, location, and vehicle type.

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.
What young drivers in Utah need to know
  • 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.
  • Maintaining a good average can qualify student drivers for a good student discount
While young drivers aren’t going to find the same low rates as their parents, shopping around for competitive rates and maintaining a clean driving record can help reduce premiums.
No matter your age, comparison shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,164$1,090
21-24$2,651$1,019
25-34$2,396$908
35-44$2,264$859
45-54$2,375$785
55-64$1,786$607
65+$2,909$1,411
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Cost to insure your car in Utah based on where you live

Serious violations can remain on your driving record for up to a decade in Utah. When insurers run your history, they’ll see these violations and consider you a high-risk driver—and may end up raising your premiums as a result.
Thankfully, Jerry is there to help you find a competitive and cheap car insurance policy no matter your driving history:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,339$790
Failure to Obey Traffic Sign$3,590$1,801
Improper Passing$3,478$1,519
Defective Equipment$3,180$1,434
Careless Driving$2,535$1,249
Driving on Sus. License$3,195$1,219
Speeding under 15$3,255$1,215
DUI$3,203$1,088
Speeding over 15$2,304$1,063
Illegal Turn$2,400$132
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Cost to insure your car in Utah based on where you live

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.
Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
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:
City
Average Cost
Annual Savings with Jerry
Draper$2,104$598
Logan$2,793$839
Ogden$2,498$938
Orem$2,615$869
Provo$2,521$837
Sandy$2,581$977
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Cost to insure your car in Utah based on the type of car you drive

The type of vehicle you own also plays a role in determining your premiums. Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair after an accident.
Many of the most popular cars in Utah are compact to midsize sedans—cars like the Civic and Malibu. These are also some of the most affordable vehicles to insure.
More expensive vehicles, like a Maserati, will be pricier to insure because they cost more to repair and place in the event of an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Hyundai Sonata GLS$2,675$1,175
Saturn Vue XR$2,376$1,154
Toyota Tacoma Double Cab$2,641$1,144
Dodge Charger SXT$2,787$683
Jeep Grand Cherokee Laredo$2,079$496
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How to save money on car insurance in Utah

Insurance premiums in Utah, a no-fault state, can get pretty pricey. Lucky for you, there are some easy ways to lower your rates if you know how and where to look.

Shop around for quotes

Comparison shopping is the best way to save money on your car insurance, but we know the thought of filling out countless forms, dealing with sales calls, and trying to compare rates can be pretty time-consuming.
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
It takes less than a minute to sign up, and the average Jerry user saves $879 annually on car insurance.

Look for discounts

Most insurance providers will have a set of discounts based on the driver, vehicle, and policy. Here are some popular discounts in Utah to keep an eye out for:
Discount typeDescriptions
Defensive driving discountOlder drivers who complete an approved defensive driving course may be eligible for discounted premiums.
Good student discountFull-time students under the age of 24 may receive a discount on their rate if they maintain a B average in their studies.
Usage-based discountsSome insurers offer discounts if you’re willing to have your driving habits monitored by an app or telematic device. Safer driving means more savings.
Payment discountsPaying for your policy in full at the beginning of the term can net you a small discount overall.
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Increase your deductible

Your deductible is the amount that you have to pay for a claim before your insurance company kicks in to cover costs. While increasing your deductible will decrease your premium, you’ll need to carefully consider whether that’s the best choice for you.
Ensure you can afford to pay the deductible in full each time you have to make a claim—otherwise, you could find yourself in a precarious financial situation.
​​## Registering your car in Utah
If you want to register a car in Utah, you should have the following paperwork prepared:
  • Valid driver’s license or ID card.
  • Proof of insurance.
  • Proof of sales tax payment.
  • Car title or signed lease agreement.
  • Proof of a safety inspection.
  • Proof of emissions test, if applicable.
Once you have the paperwork, head to the DMV, where you’ll fill out a registration form that asks for some personal details as well as information about your vehicle.
Utah drivers are required to renew their vehicle registration every year.

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