Cheapest Car Insurance in Utah (Nov 2024)

all offer lower than average premiums in Utah.

State Farm,

licensed insurance agents

Farmers

, Progressive, and USAA serve the majority of Utah drivers.

Let’s review some feedback from real customers about these companies.

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Dairyland	November 14, 2024	4	"I haven’t had any issues so far! Just signed up with dairyland, it was easy and quick. It was the cheapest option tha...(read more)" -Paul
Farmers	November 7, 2024	5	"They are really quick and have a low deductible as well as wonderful customer support" -Ollie
Esurance	November 6, 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)" -Genevieve
Kemper	November 5, 2024	5	"it's amazing, compared to other is way cheaper than most with the dollar amount. " -Hattie
Allstate	November 3, 2024	4	"But needs to work onkrep the insurance at the same every month as when you jump it up +200 more it kills your pocket ...(read more)" -Hallie

Last Updated Nov 22, 2024

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

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:

$25,000 per person of

bodily injury liability

coverage

$65,000 per accident of bodily injury

$15,000 per accident of

property damage liability

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.

Minnie (42 years old)

Coverage

State Minimum

Nissan Juke Nismo

$74

per month

Alexander (26 years old)

Coverage

State Minimum

Mazda 3 i

$101

per month

Tony (47 years old)

Coverage

State Minimum

Murray, UT

Ford Taurus SEL

$113

per month

Safeco

Donald (32 years old)

Coverage

State Minimum

Millcreek, UT

Jeep Patriot Sport

$89

per month

Lower my car insurance too!

Mae (40 years old)

Coverage

State Minimum

S Salt Lake, UT

Tesla Model 3

$73

per month

Gainsco

Bernice (36 years old)

Coverage

State Minimum

Washington, UT

Nissan Sentra S

$206

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.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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 Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$126	Nathaniel, 26 American Fork, UT	Mazda CX-5 Touring
• State Minimum Liability • Comp / Collision	Allstate	$149	Harold, 31 Provo, UT	Dodge Charger R/T
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$96	Myra, 38 La Verkin, UT	Acura 3.2TL
• 100,000/300,000 Liability • Comp / Collision	Safeco	$160	Birdie, 28 Sandy, UT	Toyota RAV4 XLE Premium
• 100,000/300,000 Liability • Comp / Collision	AAA	$300	Clayton, 38 Murray, UT	Buick Encore Essence

Last Updated Nov 20, 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 $157 per month, or $1,888 per year. The cost of full coverage car insurance in Utah is closer to $241 per month, or about $2,895 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 $157 per month for minimum liability coverage or about $241 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:

Towing and labor coverage

Rental reimbursement coverage

New car replacement insurance

Underinsured or uninsured motorist coverage

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.

MORE:

Types of insurance

Not in Utah?

Colorado car insurance

Nevada car insurance

Wyoming car insurance

Arizona car insurance

Idaho car insurance

New Mexico car insurance

California car insurance

Montana car insurance

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?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

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 Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$93	Beatrice, 33 Eagle Mountain, UT	• 100,000/300,000 Liability • Comp / Collision
Speeding 11-15	Clearcover	$108	Sean, 34 Vineyard, UT	• State Minimum Liability • Comp / Collision
Speeding 16-20	Clearcover	$118	Lucas, 28 West Jordan, UT	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	Allstate	$159	Charles, 24 Orem, UT	• 50,000/100,000 Liability

Last Updated Nov 21, 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:

So far i love progressive. No issues and easy to use

David-1

Safeco was able to save me $70 monthly to ensure my 2 cars, very satisfied!

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

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!

Mollie (46 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Santaquin, UT

Mitsubishi Outlander SE

$204

per month

Edwin (36 years old)

DUI

Coverage

State Minimum

Pleasant Grove, UT

Honda Civic EX

$91

per month

Bertha (39 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chevrolet Silverado K1500 LT

$158

per month

Safeco

Wesley (27 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Saint George, UT

BMW 328 D

$153

per month

Clearcover

Roxie (34 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Subaru Outback 2.5I Premium

$85

per month

driving without insurance

Rosie (38 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Vernal, UT

Chevrolet 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:

You were caught

You were convicted of dangerous driving.

You drove while your license was suspended.

You have a

DUI or DWI

conviction.

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 Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$279	Ophelia, 49 Salem, UT	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Allstate	$136	Isaac, 35 Lehi, UT	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Travelers	$107	Cameron, 61 Murray, UT	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Allstate	$101	Abbie, 25 Salt Lake City, UT	• State Minimum Liability
At Fault With Injury	Clearcover	$105	Antonio, 48 West Jordan, UT	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 22, 2024

FAQ

Is Utah an at-fault state?

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.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$83	Tyler, 42 Roy, UT	Saturn VUE XR	• State Minimum Liability
Cell Phone	Clearcover	$88	Jason, 30 Clearfield, UT	Nissan Sentra 1.8	• 100,000/300,000 Liability
Defective Equipment	Travelers	$201	Tyler, 26 Orem, UT	Subaru Outback 2.5I Limited	• 100,000/300,000 Liability • Comp / Collision
Driving on Sus. License	Safeco	$207	Gilbert, 38 West Valley City, UT	Ford Edge Titanium	• 100,000/300,000 Liability • Comp / Collision
DUI	Nationwide	$162	Caleb, 48 West Valley City, UT	Dodge Durango Crew	• 50,000/100,000 Liability • Comp / Collision
Failure to Obey Signal	Gainsco	$227	Violet, 26 West Jordan, UT	Chevrolet Cruze LS	• State Minimum Liability
Illegal Turn	Safeco	$64	Christine, 29 Sandy, UT	Audi A7 Prestige	• State Minimum Liability
Improper Passing	Bristol West	$298	Flora, 51 South Salt Lake, UT	Volkswagen Jetta TDI	• State Minimum Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	Clearcover	$76	Kenneth, 46 Ogden, UT	Dodge Grand Caravan SXT	• 50,000/100,000 Liability • Comp / Collision
Open Container	Progressive	$133	Jose, 25 American Fork, UT	Dodge Avenger SXT	• State Minimum Liability
Racing/Drag Racing	Progressive	$223	Margaret, 23 Roy, UT	Honda Civic SI	• 50,000/100,000 Liability • Comp / Collision
Reckless Driving	The General	$206	Etta, 24 Salt Lake City, UT	Lexus GS 350	• State Minimum Liability
Speeding Violation-Major	Travelers	$213	Gregory, 25 Salt Lake City, UT	Mazda 3 i	• 100,000/300,000 Liability
Speeding Violation-Minor	Gainsco	$93	Josie, 37 Hurricane, UT	Toyota Corolla L	• State Minimum Liability
Suspension	Nationwide	$194	Elnora, 24 Springville, UT	BMW 550 i	• State Minimum Liability • Comp / Collision
Vehicle Theft	Bristol West	$83	Cecelia, 29 La Verkin, UT	Ford Explorer Sport	• State Minimum Liability
Other Minor	State Auto	$94	Joshua, 60 West Valley City, UT	Acura MDX	• 100,000/300,000 Liability

Last Updated Nov 21, 2024

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

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.

Bobby (24 years old)

Currently Insured

Coverage

State Minimum

Taylorsville, UT

Honda CR-V EX

$158

per month

Peter (50 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Ford Focus SE

$185

per month

Clarence (30 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Midvale, UT

Toyota RAV4 Limited

$106

per month

Chad (31 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Magna, UT

Volkswagen GTI S

$115

per month

National General

Pearl (49 years old)

Currently Insured

Coverage

State Minimum

Manti, UT

Ford F150

$94

per month

options for young drivers

Isaiah (32 years old)

Not Currently Insured

Coverage

State Minimum

Highland, UT

Ford Fusion SE

$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 Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$68	Garrett, 30 Herriman, UT	Volkswagen Jetta S	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Allstate	$197	Charlie, 22 West Valley City, UT	Ford Expedition XLS	• 50,000/100,000 Liability
550 - 659	Travelers	$113	Miguel, 36 Layton, UT	Hyundai Sonata Sport	• State Minimum Liability • Comp / Collision
< 550	Nationwide	$114	Ruby, 33 Eagle Mountain, UT	Toyota RAV4 LE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Nov 21, 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

in Utah.

Jay (23 years old)

Coverage

State Minimum

Saint George, UT

Toyota Highlander

$159

per month

Don (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Lexus GS 350

$171

per month

Bristol West

Lillian (22 years old)

Coverage

State Minimum

KIA Forte LX

$198

per month

Lydia (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Eagle Mountain, UT

Volkswagen Passat SE

$326

per month

Clearcover

Eunice (21 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Highland, UT

Volkswagen Golf Alltrack S

$200

per month

Gainsco

Lillie (22 years old)

Coverage

State Minimum

Provo, UT

Dodge Caliber Mainstreet

$327

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.

Marguerite (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Bountiful, UT

Volkswagen Jetta SE

$74

per month

Olga (65 years old)

Coverage

State Minimum

Roy, UT

Chevrolet Suburban K1500

$63

per month

Anne (65 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

West Valley City, UT

Cadillac Escalade ESV

$129

per month

Gussie (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Nissan Xterra XE

$62

per month

Clearcover

Max (70 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Ford F150 Super Cab

$95

per month

National General

Delia (67 years old)

Coverage

State Minimum

How to get car insurance before buying a car

BMW X5 3.0i

$125

per month

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Excellent and very friendly - keep going

Rohit

Got me covered fully for half the price of the competition, one happy customer over here!

Jacob-1

Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.

Amanda

Cheapest car insurance for popular cars

Your rate is partially determined by the make and model of your vehicle. That’s because some cars cost less to repair, have more safety features, or are more vulnerable to theft.

Here are a few of the most popular cars in Utah:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
RAM 1500 SLT	Progressive	$143	Ola, 48 Ivins, UT	• 50,000/100,000 Liability • Comp / Collision
Toyota RAV4 XLE Premium	Travelers	$81	Eugene, 35 Bountiful, UT	• 50,000/100,000 Liability • Comp / Collision

Last Updated Nov 22, 2024

MORE:

Car insurance cost for new vs. old car

Most of the time, newer cars cost more to insure. They’re more costly to repair and they can be more complex technologically. You can expect to pay several hundred dollars more per year to insure a vehicle that is less than five years old.

Gerald (26 years old)

2003 Oldsmobile Alero GL

Coverage

State Minimum

Draper, UT

$109

per month

Duane (39 years old)

2005 Honda Pilot EXL

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

$86

per month

Della (23 years old)

2004 Ford Expedition XLS

Coverage

50,000 per person

100,000 per accident bodily injury

West Valley City, UT

$197

per month

Clearcover

Edna (47 years old)

2000 Jeep Grand Cherokee Laredo

Coverage

State Minimum

Elwood, UT

$74

per month

Bristol West

Virgie (28 years old)

2005 Chevrolet Silverado K1500

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

$289

per month