Cheap Car Insurance in Utah (2023)

Utah has nearly 93,000 miles of roadways, including nearly 3,000 miles of interstate highways, according to U.S. Department of Transportation data.^[1] All those wide open roadways could play a role in Utah’s relatively cheap car insurance rates. The average Beehive State motorist pays just $223 per month for car insurance, and the state ranks 23rd among the states with the cheapest car insurance.

Best cheap car insurance in Utah: Travelers

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Travelers

Best Cheap Car Insurance

Average car insurance rates in Utah range from just $111 per month from Travelers to $581 per month from Amica. The wide range of rates illustrates why it’s important to comparison shop for the lowest rates available to you.

The following table explores average monthly car insurance rates for top insurance companies in Utah.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Utah

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Utah are:^[2]

• $25,000 per person for bodily injury coverage, which pays medical bills for people other than the policyholder who are injured during an accident.

• $65,000 per accident for bodily injury coverage

• $15,00 per accident for property damage liability coverage

• $3,000 personal injury protection because Utah is a no-fault state. PIP pays for our medical expenses in case of an accident.

Utah DMV information

The Utah Division of Motor Vehicles oversees car registration in the state. The Driver License Division oversees licensing of drivers — they’re two separate agencies. DMV services include:

• Registration

• License plates

• Titling

• Driver’s licensing

The DMV provides online services that include applying for a license plate, renewing vehicle registration, reporting a vehicle sold, updating home addresses, finding impounded vehicles, and more.^[3]

To apply for a learner’s permit or license, you’ll have to go through the DLD, which operates locations throughout the state.

Public transportation in Utah

While you’ll need a vehicle to reach many areas in Utah, the Utah Transportation Authority does operate bus and rail lines in the following counties:

• Box Elder

• Davis

• Salt Lake

• Summit

• Tooele

• Utah

• Weber

You can find information, routes and schedules on the UTA website.^[4]

Tips for getting cheap car insurance in Utah

Practicing good driving habits and maintaining a clean driving record are the best ways to get cheap car insurance anywhere. Comparing car insurance quotes when you’re ready to renew or change your policy is another helpful tactic.

By comparing quotes and policies, you can get an idea of any discounts you may qualify for, find a competitive rate, and ensure you have exactly the coverages you need.

Liability-only vs. full-coverage insurance in Utah

If you live in Utah, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed. 

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Utah by policy type.

See More: High-Risk Car Insurance Utah 

How your driving history affects Utah car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Utah. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Utah based on driving and accident history.

See More: SR-22 Car Insurance Utah 

SR-22 insurance in Utah

If your vehicle registration lapses or your license is revoked, the state of Utah will require you to get an SR-22 form from a licensed insurance company or agent. The form proves you have insurance coverage for your vehicle.

The following insurance companies offer SR-22 insurance in Utah:

How credit scores affect Utah car insurance quotes 

Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. Although some states ban the practice, Utah allows insurance companies to consider credit history when making decisions about car insurance premiums.^[5]

The following table provides an idea of the impact credit score can have on insurance costs in Utah.

See More: Bad Credit Car Insurance Utah

How your city affects Utah insurance quotes

Location is one of many factors that influence car insurance rates. Even within the same state, insurance rates can vary greatly from city to city. For example, residents of Ogden, Utah on average pay $160 per month for car insurance — $119 less than drivers in Lehi, where the average rate is $279. The table below shows average monthly rates for different cities in Utah.

How your age affects your Utah car insurance rates 

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older. 

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some will increase rates for one age group more than another, while others will impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30.

Quotes for middle-aged drivers

As you age and gain driving experience, car insurance rates typically fall. But traffic infractions like speeding tickets, at-fault accidents, or driving under the influence can push rates higher. The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59.

Quotes for senior drivers

Car insurance rates for seniors are typically the lowest for any age group. However, accidents and other driving violations can increase rates for senior drivers. The following table compares how different insurance factors affect average monthly rates for drivers 59 and older in Utah.

Utah car insurance FAQs

Insurify Insights

How Utah Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Utah drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Utah

#12

State with the Most Speeding Tickets Rank

#13

State with the Moving Violations Rank

#11

State with the Most DUIs Rank

#29

State with the most Suspended Licenses

• Accidents in Utah

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Utah is the #14 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #14
  • Percent of drivers in Utah with an accident: 9.7%
• DUIs in Utah

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Utah is the #11 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #11
  • Percent of drivers in Utah with a DUI: 2%
• Reckless Driving in Utah

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Utah is the #18 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #18
  • Percent of drivers in Utah with a reckless driving offense: 1.5%
• Rude Driving in Utah

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Utah is the #16 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #16
  • Percent of drivers in Utah with a rude driving violation: 1.8%
• Speeding in Utah

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Utah is the #12 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #12
  • Percent of drivers in Utah with a speeding ticket: 10.8%
• Failure to Yield Rates in Utah

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Utah is the #42 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #42
  • Percent of drivers in Utah with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.