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Cheap Car Insurance in Utah (2023)

Drivers in Utah pay rates starting at $223/mo. for car insurance.

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Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Ashley Cox
Edited by
Ashley Cox
Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Stephen DeFord
Reviewed by
Stephen DeFord
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Reviewed by
Stephen DeFord
Licensed Insurance Agent at Insurify
Stephen DeFord is an insurance agent at Insurify's in-house agency. As a licensed agent, Stephen specializes in auto, home, and commercial insurance. Stephen helps customers navigate the complicated world of insurance shopping.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 7, 2022

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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.

Quick Facts

  • The average cost of car insurance in Utah is $223/mo.

  • Travelers is the cheapest provider in Utah, with average rates of $111/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Utah: Travelers

1
Travelers logo

Travelers

Best Cheap Car Insurance
Average Monthly Cost:
$111
Insurify Composite Score:
80

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.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
Travelers80$111
Nationwide89$134
USAA96$148
State Farm88$191
ProgressiveN/A$211
Sun CoastN/A$120
Kemper PreferredN/A$122
Clearcover97$129
NovoN/A$138
Erie85$140
Freedom NationalN/A$156
Midvale Home & AutoN/A$177
KemperN/A$186
Safeco86$186
State Auto76$193
Liberty Mutual82$212
Kemper SpecialtyN/A$217
GEICO88$217
American Family89$249
Allstate85$259
DairylandN/A$270
The GeneralN/A$272
Bristol WestN/A$283
Farmers85$355
StillwaterN/A$468
AmicaN/A$581
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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]

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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.

Car Insurance Company

Average Monthly Quote: 

Liability

Average Monthly Quote:

Full Coverage

GEICO$136$217
Nationwide$134$134
State Farm$120$191
Travelers$80$111
USAA$93$148
Allstate$162$259
American Family$156$249
Amica$364$581
Bristol West$190$283
Clearcover$95$129
Dairyland$149$270
Erie$88$140
Farmers$222$355
Freedom National$116$156
Kemper$102$186
Kemper Preferred$85$122
Kemper Specialty$133$217
Liberty Mutual$149$212
Midvale Home & Auto$120$177
Novo$115$138
Progressive$132$211
Safeco$115$186
State Auto$119$193
Stillwater$189$468
Sun Coast$79$120
The General$192$272
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Farmers$129N/A$154$164
Nationwide$132$246$120$153
Progressive$194N/A$232$246
Travelers$107$97$119$125
USAA$176N/A$210$223
Allstate$238N/A$285$302
American Family$229N/A$274$291
Amica$534N/A$639$678
Bristol West$258$293$370$356
Clearcover$120N/A$172$155
Dairyland$255$262$332$308
Erie$426N/A$509$540
Freedom National$141$158$221$203
GEICO$326N/A$390$413
Kemper$181$101$250$155
Kemper Preferred$113N/A$139$176
Kemper Specialty$195$184$278$284
Liberty Mutual$204$159$258$231
Midvale Home & Auto$153$203$293$202
Novo$136$133$143$139
Safeco$176$114$242$197
State Auto$166$200$305$245
State Farm$200N/A$239$253
Stillwater$519N/AN/A$360
Sun Coast$111$159$152$144
The General$234$333$384$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Credit TierAverage Monthly Quote
Excellent$189
Good$224
Average$246
Poor$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Car Insurance CompanyAverage Monthly Quote
Bountiful$168
Draper$185
Eagle Mountain$167
Herriman$210
Layton$171
Lehi$279
Logan$186
Ogden$160
Orem$174
Provo$261
Riverton$218
Roy$174
Saint George$150
Salt Lake City$190
Sandy$218
Saratoga Springs$184
South Jordan$226
Spanish Fork$190
West Jordan$216
West Valley City$202
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Age GroupAverage Monthly Rate
Teenagers$449
Under 25$246
20s$182
30s$186
40s$270
50s$138
60s$126
70s$191
80+$131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$284$356$402$673
Clearcover$116$148$177$279
Dairyland$207$339$369$655
Freedom National$141$193$249$332
Kemper$156$281N/AN/A
Kemper PreferredN/A$136N/AN/A
Kemper Specialty$182$275$342$494
Liberty Mutual$187$251$301$482
Midvale Home & Auto$169$219$312$362
NationwideN/A$161$152$316
Novo$138$163$171$322
ProgressiveN/A$234N/AN/A
Safeco$179$241$293$446
State AutoN/A$226$334$384
StillwaterN/A$549N/AN/A
Sun Coast$91$137$151$247
The General$265$334$431$577
TravelersN/A$127$131$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$131$226$267$410
Clearcover$86$117$131$213
Dairyland$112$213$238$406
Freedom National$94$121N/A$233
Kemper$69$118N/AN/A
Kemper Preferred$80$112N/AN/A
Kemper Specialty$101$166$211$306
Liberty Mutual$131$186$190$360
Midvale Home & Auto$107$141N/A$267
Nationwide$119$123N/A$241
Novo$97$116$116$231
Progressive$98$172N/AN/A
Safeco$95$152$146$304
State Auto$116$175N/A$308
StillwaterN/A$450N/AN/A
Sun Coast$72$111$129$207
The General$154$225$294$392
Travelers$81$104$110$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Bristol West$115$202$251$346
Clearcover$74$99N/A$177
Dairyland$105$198$235$366
Freedom National$83N/AN/AN/A
Kemper$69N/AN/AN/A
Kemper Preferred$81N/AN/AN/A
Kemper Specialty$88$157N/A$267
Liberty Mutual$106$149$168$287
Midvale Home & Auto$96$144N/A$269
Nationwide$114$111N/A$213
Novo$107$117N/A$229
Safeco$93$124N/A$239
State Auto$82$158N/A$306
Sun Coast$82$105N/A$197
The General$148$221$262$396
Travelers$78$99N/A$187
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Utah car insurance FAQs

  • Overall, Travelers has the cheapest average monthly rate in Utah, at just $111. For liability-only car insurance, Sun Coast offers policies as low as $79 per month on average. Travelers also has the lowest average monthly rate for full coverage, also $111. Keep in mind the actual rate you receive can vary, based on factors unique to your circumstances and driving history.

  • Many factors can increase car insurance rates, including your driving record, where you live and work, how many miles you drive per year, your age, gender, and credit history.

  • The average cost of car insurance in Utah is $233 per month, placing the state at 23rd for cheapest insurance in the nation.

  • Travelers, Nationwide, USAA and State Farm have some of the lowest average car insurance rates in the state. All have Insurify Composite Scores of 80 or higher, with USAA ranking the highest at 96.

  • Yes, you’ll need to buy personal injury protection (PIP) coverage in Utah. This is because Utah is a no-fault state, which means when two (or more parties) are involved in an accident, each driver’s insurance pays for their own medical expenses. In no-fault states, your ability to sue the other party in an accident is limited, even if the other driver caused the accident.

  • Yes, Utah requires all drivers to carry at least a minimum amount of liability and PIP coverage. In fact, only New Hampshire doesn’t require car insurance — but drivers must be able to demonstrate they can cover the cost of an accident if they cause one.

  • In Utah, the car insurance follows the car — but only the physical damage portion of your insurance. This means if you loan your car to someone who’s not insured under your policy and they get into a wreck, your policy would cover your damages only if you have collision and comprehensive coverages.

  • Full-coverage insurance typically includes liability coverage that meets at least a state’s minimum requirements, and optional collision and comprehensive coverage.

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. U.S. Department of Transportation Federal Highway Administration. "Estimated lane-miles by functional system." Accessed December 7, 2022
  2. Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements." Accessed December 7, 2022
  3. Utah Division of Motor Vehicles. "Division of Motor Vehicles." Accessed December 7, 2022
  4. Utah Transportation Authority. "Utah Transportation Authority." Accessed December 7, 2022
  5. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed December 7, 2022
Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Linkedin

Editor-in-Chief, Director of Content

Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.

Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.

Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.

Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Learn More
Ashley Cox
Edited by
Ashley Cox
Linkedin

Managing Editor

Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Stephen DeFord
Reviewed by
Stephen DeFord

Licensed Insurance Agent at Insurify

Icon of a man
Reviewed by
Stephen DeFord
Licensed Insurance Agent at Insurify
Stephen DeFord is an insurance agent at Insurify's in-house agency. As a licensed agent, Stephen specializes in auto, home, and commercial insurance. Stephen helps customers navigate the complicated world of insurance shopping.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.