Cheapest Car Insurance 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

Military

• Current military personnel: USAA, $657 per year

Coverage

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

Credit

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

Age

• 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

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

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

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

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.

• 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: dmv@utah.gov
• URL: https://dmv.utah.gov/

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.