Utah Car Insurance Calculator
Calculate your auto insurance cost in Utah. Compare with state averages and find savings.
$1,423
Avg Annual Premium
25/65/15
Min Liability
Monthly Avg
$119
Full Coverage
$1,856
Min Coverage
$489
Uninsured Rate
7.8%
Utah Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$65,000
Property Damage$15,000
Additional Requirements
PIP RequiredYes ($3,000 min)
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Utah
No-fault stateGrowing populationMountain driving
Major Metro Areas in Utah
Salt Lake CityWest Valley CityProvoWest JordanOrem
FAQ
Utah Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Utah
The average annual car insurance premium in Utah is $1,423, or about $119 per month. Full coverage averages $1,856 annually, while minimum coverage averages $489. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Utah requires minimum liability coverage of 25/65/15 ($25,000/$65,000 for bodily injury and $15,000 for property damage). Utah also requires Personal Injury Protection (PIP) with a minimum of $3,000.
Key factors affecting Utah car insurance rates include: No-fault state, Growing population, Mountain driving. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 7.8% of drivers in Utah are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Utah car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Utah include: State Farm, GEICO, Progressive, Farmers, Bear River Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
UT Insurance Costs
Average premiums in Utah:
- Annual Average$1,423
- Monthly Average$119
- Full Coverage$1,856
- Minimum Coverage$489
UT Requirements
Minimum coverage required:
- Liability25/65/15
- PIP RequiredYes
- UM RequiredNo
- Uninsured Rate7.8%
Top UT Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farmers
- •Bear River Mutual