Car Insurance in Utah
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Utah Car Insurance Quotes
On average, U.S. citizens pay $189 per month for auto insurance. Utah residents pay a lower monthly average of $172. Apart from Salt Lake City, suburban and rural areas make up most of the state. These low-population areas have less traffic congestion and accidents, lowering premiums.
Read on to learn more about properly insuring your car in Utah.
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Utah Car Insurance Laws
Utah’s car insurance laws require drivers to hold a liability coverage policy if they’re state residents or are physically present within Utah for at least 90 days within a 365-day window.
Utah’s car insurance minimums are:
Anyone who owns, registers, or drives a vehicle in Utah must have car insurance that meets the following requirements:
- $25,000 for bodily injury or death of one person
- $65,000 for bodily injury or death of two or more people in an accident
- $15,000 for property damage arising from a single collision
- $80,000 for bodily injury or property damage from an individual accident
Utah’s car insurance minimums are slightly higher than those in other states.
Consumers who purchase a vehicle using a loan may need to acquire additional insurance as stipulated in their contract. Lenders may require comprehensive and collision insurance as security against the vehicle until you have repaid the loan.
Cheapest Insurance in Utah
EverQuote examines various factors that influence the cost of car coverage. Factors like car model, driver age, coverage type, and available discounts all impact the premium price.
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Utah.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Nationwide | $89 |
| 2 | GEICO | $106 |
| 3 | USAA | $112 |
| 4 | Auto Owners | $130 |
| 5 | Progressive | $141 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
“ driving without insurance ... leads to automatic suspension of driver's license privileges ”
Individuals caught driving without insurance in Utah may receive a Class B misdemeanor, which includes a minimum $400 fine for the first offense. Subsequent offenses within the next three years increase the fine to $1,000. A conviction for driving without insurance also leads to automatic suspension of driver’s license privileges, which continues until the driver submits proof of coverage and pays a reinstatement fee of $100.
Utah doesn’t provide a new car insurance grace period, so obtain proper coverage before driving your vehicle.
Frequently Asked Questions
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🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.