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Last updated: June 28, 2023

Cheapest Car Insurance in Utah

Pay what you need to and no more for auto insurance in Utah.

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Did you know Utah has an average of 300 sunny days per year? That’s likely not the only thing brightening up your day if you own a vehicle and live in the Beehive State.

The National Association of Insurance Commissioners (NAIC) estimated that the average annual cost of car insurance in Utah was $937 in 2020. Luckily for drivers in Utah, this is 10 percent less than the United States average. This means the average cost of auto insurance in Utah is more affordable than in many other states. Even so, it pays to shop around to find the best rate for your circumstances.

The Cheapest Car Insurance Companies in Utah

Check out the cheapest car insurance company in Utah for your unique situation.

Teen Drivers

  • Male teens: Nationwide, $1,491 per year
  • Female teens: Nationwide, $1,332 per year

Marital Status

  • Married: Auto-Owners, $1,140 per year


  • Current military personnel: USAA, $657 per year


  • Cheapest full coverage car insurance: Nationwide, $725 per year
  • Cheapest minimum coverage car insurance: USAA, $331 per year


  • Excellent credit: GEICO, $672 per year
  • Good credit: GEICO, $783 per year
  • Bad credit: GEICO, $1,583 per year


  • Teens: State Farm, $3,528 per year
  • 20s: QBE, $2,000 per year
  • 30s: QBE, $1,088 per year
  • 40s: QBE, $1,270 per year
  • 50s: ACCC Insurance, $1,180 per year
  • 60s: ACCC Insurance, $1,026 per year
  • 70s: ACCC insurance, $1,127 per year

The Best Car Insurance in Utah

  • Allied
  • Allstate
  • American Family
  • Auto-Owners
  • Bear River Mutual
  • California Casualty
  • Farm Bureau
  • Farmers
  • Nationwide
  • Progressive
  • Safeco
  • State Farm
  • Travelers
  • USAA

Ways to Find Cheap Car Insurance in Utah

Here are some simple, tried-and-true ways to save on your auto insurance policy:

  1. Maintain a good driving record: Avoid DUIs, speeding tickets and accidents to receive the lowest rates from your auto insurance provider.
  2. Compare policies: Shop around before you buy a policy because prices can differ between auto insurance providers. Make sure to account for the service, dependability and financial security of any company you’re thinking about purchasing insurance from.
  3. Ask about discounts: Agents can be helpful, but you can refer to our resources on the most common auto insurance discounts that companies offer.
  4. Revise coverage and deductibles: Are your children finally off your policy? Do you drive a lot less now that you’re retired? Review the coverage limits you have on your policy every time you renew. Also, think about raising your deductible to reduce your monthly payment.
  5. Consider the cost of insurance when choosing a vehicle: Insurance companies can charge higher premiums for cars that cost more to repair, have higher theft rates or offer less protection/cause more damage in accidents. For example, SUVs cause more damage in accidents compared to smaller cars, but they offer more protection to their passengers. Your insurance company will factor in the potential of paying out another party if you’re at fault in an accident, but it will also take into account your potential medical costs.1


If you are raising your deductible, save enough money to cover the cost of damages up to that limit if you get into an accident.

How Much Coverage Do You Need in Utah?

The minimum coverage in Utah includes liability coverage and personal injury protection (PIP). PIP is an extension of medical payments coverage that covers lost wages and childcare. The minimum amounts required to drive in the state are as follows:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $65,000
  • Property damage liability per accident: $15,000
  • PIP: $3,000

The total minimum liability limit is $105,000. We recommend getting a $500,000 liability coverage limit and $500,000 worth of PIP and uninsured/underinsured motorist coverage. Additionally, we suggest you get collision and comprehensive coverage with limits as high as your car’s actual market value.

Utah is a no-fault state, hence the required PIP coverage. While property damage liability claims are similar in no-fault states vs. liability states, each party pays for its medical expenses in no-fault states. In Utah, you can file a lawsuit for economic damages and noneconomic damages from permanent disfigurement, permanent disability or bone fracture only after your PIP policy pays the first $3,000.2

Utah’s negligence laws are modified comparative, meaning accident victims’ recoveries are limited if their fault exceeds a certain percentage. In Utah, victims can receive money only if they’re less than 50 percent at fault for the accident. For example, if you are 51 percent at fault, you cannot recover any damages; however, if you are 49 percent at fault, you can receive 49 percent of the damage reward.3

Alternative Car Insurance in Utah

You can self-insure in Utah if you have more than 24 vehicles. You must deposit securities equaling $200,000, plus $100 for the first 1,000 vehicles and $50 for every vehicle above 1,000.4 Self-insuring your vehicles means you pay benefits to anyone injured from your operation, maintenance and use of motor vehicles, similar to how a regular insurance provider does.


If you don’t insure your vehicle in Utah, the DMV may suspend your vehicle’s registration. Failing to provide proof of auto insurance is a misdemeanor offense resulting in a fine of no less than $400 for a first offense and $1,000 for a second and subsequent offense within three years of a previous conviction.5

Utah Department of Motor Vehicles Information

  • Mail:
    • Utah State Tax Commission
      Motor Vehicle Division
      P.O. Box 30412
      Salt Lake City, UT 84130
  • Phone: (801) 297-7780 for the Salt Lake City area; (800) DMV-UTAH or (800) 368-8824 everywhere else
  • Email:
  • URL:


Utah is a relatively inexpensive state to purchase auto insurance in. However, it’s important to understand the implications of living in a no-fault state when you compare potential policy decisions. As always, look for discounts that you can apply to lower your premium, and make sure you drive safely to avoid costly auto insurance rate increases from incidents like DUIs and traffic tickets.

Frequently Asked Questions

How much is car insurance per month in Utah?

Car insurance in Utah costs an average of $78 per month, 10 percent lower than the national average. This data came from the NAIC in 2020, the most recent year it reported.

What’s the lowest people pay for car insurance in Utah?

The lowest price people pay for car insurance in Utah is $331 for minimum coverage via USAA. Note that this provider only works with military personnel, veterans and their families.

Is it illegal to drive without insurance in Utah?

It is illegal to drive without insurance in Utah. Penalties for the first offense are a $400 minimum fine (the court may waive up to $300 if the vehicle owner acquires an SR-22 before sentencing) and suspension of license and/or registration.

For second and subsequent offenses within three years, there is a $1,000 minimum fine and suspension of license and/or registration. In the case of a suspended license and/or registration, the owner can apply for new registration if they provide proof of an SR-22 for three years and pay a $100 reinstatement fee.

What age pays the most for car insurance in Utah?

Teenagers pay the most for car insurance in Utah. The lowest rate we found for an 18-year-old driver in Utah was $3,528 per year. This is almost three and a half times the average annual cost for auto insurance in Utah, which is $937.


  1. 2023 TOP SAFETY PICKS. Insurance Institute for Highway Safety, Highway Loss Data Institute. (2023).

  2. CV2001 Introduction to tort damages. Economic and noneconomic damages introduced. Utah Courts. (2023).

  3. Filing an Auto Claim with the Other Party’s Insurance Company. Utah Insurance Department. (2023).

  4. Financial Responsibility of Motor Vehicle Owners and Operators Act. Utah State Legislature. (2023).

  5. Vehicle Insurance Requirements. Utah Division of Motor Vehicles. (2023).