Is auto insurance required in Utah? 

Car insurance is required by law in Utah. The state legal minimum has been increased for 2025. The new requirements are: 

  • $30,000 per person for bodily injury 
  • $65,000 per incident for bodily injury 
  • $25,000 per incident for property damage 
  • $3,000 for personal injury protection  

How much is car insurance in Utah?

The average cost of full coverage car insurance in Utah is $1,825 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.

For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.

Utah drivers who choose to carry only the minimum car insurance will pay $582 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium$1,825
Average monthly premium$152

Utah car insurance rates by company

Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Utah can differ greatly from one company to another.

The table below compares average Utah car insurance rates from top-rated companies for different coverage levels. On average, GEICO is the cheapest car insurance company in Utah.

CompanyState minimumLiability-onlyFull coverage
GEICO$395$552$1,325
Nationwide$429$507$1,135
Auto-Owners$432$554$1,393
Progressive$575$745$1,845
Iowa Farm Bureau$597$729$2,154
State Farm$641$781$2,175
Allstate$726$914$2,279
United Insurance Co$801$1,036$2,071
Farmers$867$1,288$2,638
USAA$360$450$1,237

Utah car insurance costs by coverage level

Generally, Utah minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.

Compare Utah car insurance costs based on coverage level below.

State minimum car insurance$582
Liability-only car insurance$756
Full coverage car insurance$1,825

Utah car insurance by driver profile

Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.

In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.

This table compares average car insurance rates in Utah based on driver profiles. The highest rates in Utah are for drivers with Bad Credit.

Profile groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$1,825$2,891$1,06658%
Bad credit$1,825$3,404$1,57987%
Careless driving$1,825$2,468$64335%
Claims$1,825$1,847$221%
DUI$1,825$2,987$1,16264%
Reckless driving$1,825$3,074$1,24968%
Speeding$1,825$2,321$49627%
Texting ticket$1,825$2,238$41323%

Utah car insurance rates by age group

Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Utah car insurance rates. Rates decrease considerably with age and experience behind the wheel.

The table below shows average Utah car insurance rates by age.

Age groupFull coverage car insurance
Teens (16-19)$6,444
Young Adults (20-24)$2,852
Adults (25-60)$1,807
Seniors (65-75)$1,902

How much does car insurance cost in Utah per month?

The average monthly cost of Utah car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage levelAverage monthly premium
State Minimum BI/PD$49
Liability Only - 50/100/50 BI/PD$63
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$152

Utah car insurance discounts

The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Utah, savings can be very different from one company to another.

Take a look at the car insurance discounts available in Utah below and see the average amount you can save.

Discount type Premium before discount Premium after discount $ Saving 
Air Bags$1,895$1,877$18
Anti-Theft Device$1,895$1,876$19
Daily Commute$1,895$1,809$86
Days Advanced Purchase$1,895$1,744$151
Education$1,895$1,615$280
Electronic Funds Transfer$1,895$1,809$86
Electronic Signature$1,895$1,743$152
Homeowner$1,895$1,758$137
Lower Annual Mileage$1,895$1,817$78
Loyalty - Years Renewal With Company$1,895$1,770$125
Marital Status$1,895$1,773$122
Multi Policy$1,895$1,724$171
Paperless/Electornic Documents$1,895$1,789$106
Payment Type$1,895$1,714$181
Primary Use$1,895$1,736$159
Profession$1,895$1,637$258
Safety Devices$1,895$1,838$57
Telematics$1,895$1,704$191
Years Insured$1,895$1,562$333
Years Licensed$1,895$1,432$463

Car insurance requirements in Utah

Utah requires a minimum amount of car insurance, including:

  • 25/65/15 in liability coverage to pay for bodily injuries and property damages you cause in an accident.

Remember, the minimum coverage required by Utah law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.

State minimum requirements25/65/15
State minimum car insurance$582
Liability-only car insurance$756
Full coverage car insurance$1,825

Car insurance rates in Utah by model year

The car you drive also impacts car insurance rates in Utah. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.

Take a look below to see how the car's model and age can change car insurance rates in Utah.

L O A D I N G
CompanyStyleAverage annual premium
Nationwide2WD 4 Door Sedan Automatic Turbo$1,239
GEICO2WD 4 Door Sedan Automatic Turbo$1,348
State Farm2WD 4 Door Sedan Automatic Turbo$1,769
Progressive2WD 4 Door Sedan Automatic Turbo$1,923
Allstate2WD 4 Door Sedan Automatic Turbo$2,186
Farmers2WD 4 Door Sedan Automatic Turbo$2,563

Compare auto insurance rates by city in Utah

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Utah will impact what you pay. Below, we've gathered Utah car insurance rates by city for comparison.

CityAnnual insurance premium
Salt Lake City
$2,038

Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Utah to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.

Tip icon You might also be interested in