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The entire population of the state of Utah, nearly 3.2 million residents, is roughly equal to the population of the city of Madrid in Spain. Salt Lake City, the largest city in the state, only has about 200,000 people living within the city limits. The SLC metro area arguably stretches north along Interstate 15 all the way to Ogden and south to Provo. Outside that stretch of highway, you’ll find a smattering of small towns and the Uintah and Ouray Reservation, plus mountains and national parks.

A sparse population means there aren’t many vehicles on the road. There are only about 2.3 million registered cars, trucks, and SUVs in Utah. With fewer vehicles to get into accidents, auto insurance rates are lower in Utah than the national average by a couple hundred dollars for most demographics. In Utah the average rate from the top national insurers is $1,133.69.

Cheapest Car Insurance Companies in Utah

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Utah

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Utah?

See the Cheapest Car Insurance Companies

Utah’s statewide average rate in our study was $1,133.69. Rates for individual drivers will depend on several factors, including driving record, the age of the driver, and where the driver lives. Insurance rates vary across Utah, but we found the range in average study rates wasn’t as wide here as it is in some states. Among the companies we researched, USAA offered the lowest premiums in Utah for our driver profiles, at about $700, while State Farm is the costliest insurer, with annual study rates around $1,500. These rates are the average among all the companies and all the various demographics we covered. Next we'll get into how a driver's age, gender, credit score, and even neighborhood can affect insurance costs.

Utah Car Insurance Rates by Age

To find out how much car insurance costs in Utah are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and female drivers. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

For driver profiles at 25 years of age, we found an average study rate of about $1,300 for men and $1,200 for women, a difference of $100. The study rates for our driver profiles at age 35 is about $1,100, and for profiles at age 60, average rates in the study hovered around $1,000.


25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female








American Family



































State Farm














Utah Car Insurance Rates by Driving Record

We analysed the effect a profile's driving record can have on car insurance rates in Utah. We used male and female driver profiles aged 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our driver profile without any accidents or citations on the record had the lowest rates in our study, with an average in Utah of just over $1,100. Average Utah rates in our study went up by about $200 after a speeding ticket, and by more than $500 after an accident. When we added one DUI to our driver profile, the average study rate in Utah rose by about $600. Nationwide and American Family had particularly harsh penalties for drunk drivers. According to our analysis, average rates for this profile went up by more than $1,000 for these two companies.


Clean record

With 1 speeding violation

With 1 accident

With 1 DUI






American Family

























State Farm










Utah Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Many insurers use credit history as a factor in determining rates, and those with good credit generally see lower auto insurance rates. We found that State Farm had the biggest difference – nearly $3,000 – between average rates for the driver profiles with good and poor credit. State Farm is an extreme outlier, however, as most companies in our analysis raised study rates by less than $1,000 for the profile with poor credit over the one with good credit.









American Family




















State Farm








Utah Auto Insurance Minimum Coverage Requirements

Like nearly every state in the country, Utah requires liability coverage. The minimum coverage requirements are:

  • Bodily injury liability per person: $25,000

  • Bodily injury liability per accident: $65,000

  • Property damage liability per accident: $15,000

  • Personal Injury Protection (PIP): $3,000

Bodily injury liability coverage pays for the medical costs of anyone injured in an accident you caused. Property damage liability insurance covers the costs of repairing any objects, like the other car or a lamp post, damaged in an accident where you’re found to be at fault. Personal injury protection coverage pays for your own medical bills after an accident. Utah’s per-accident bodily injury liability minimum is a touch higher than the required minimum in many other states, and its PIP minimum is lower than in many states that require this coverage.

Visit our guide on how car insurance works to learn more about the different types of car insurance, or you can read up on how much car insurance you need.

Utah uses a company called Insure-Rite to make sure that every registered vehicle on the road is properly insured. It uses registration data from the state DMV and insurance data reported by the insurance companies operating in the state. If your car is registered but there’s no record of it being currently insured, you’ll receive a letter from Insure-Rite. You’ll have to provide proof of insurance or report the car as being in storage or sold. If you don’t provide proof of insurance or a valid reason for not being covered, Insure-Rite will inform the Utah DMV that your registration should be revoked.

Cheapest Car Insurance in Utah

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.


Cheapest Company

Drivers with a Military Affiliation


Single Young Adult Drivers


Married Adult Drivers


Senior Drivers


Drivers with Good Credit


Drivers with Poor Credit


Drivers with a Clean Record


Drivers with One Speeding Violation


Drivers with One Accident


Drivers with One DUI


Low-mileage Drivers


High-mileage Drivers


Drivers with Low Coverage


Drivers with High Coverage


Drivers with Used Cars


Drivers with New Cars


To find which car insurance company offers the lowest rates in Utah, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

As is the case in many of the states in our study, USAA offered the lowest average car insurance study rates in Utah, at just over $700. Geico had the second-cheapest rates in our study, at just under $850. Nationwide was third, with a representative rate of $1,077.

Why Car Insurance Rates Vary in Utah

To find differences in car insurance rates in Utah based on city of residence, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Smaller cities with fewer cars have fewer opportunities for accidents, so the risk is lower. Lower risk means lower average rates for those towns. For instance, our analysis found that Saint George, near the Nevada and Arizona borders, had the cheapest average study rate, at $1,053.

Salt Lake City proper, the largest city in the state, surprisingly did not have the highest rates in Utah in our study. The average there is $1,305.64, but the neighboring suburb of West Valley City had the highest average study rate in the state at $1,369.49

City Average Rate
Salt Lake City $1,305.64
West Valley City $1,369.49
Provo $1,223.35
West Jordan $1,277.82
Orem $1,241.53
Sandy $1,244.06
Ogden $1,172.94
St. George $1,053.01
Layton $1,149.37
South Jordan $1,253.42

How to Get the Cheapest Car Insurance in Utah

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Insurers often offer discounts for drivers who bundle two or more policies together. That means you may see a discount if you insure more than one car with the same insurance company, or you can bundle your automotive policy along with your homeowner’s or renter’s insurance policy. There are also good student discounts available for new drivers on your policy. If teen drivers can maintain a B average or better, most insurance companies offer new driver discounts that can take some of the sting out of those high average auto insurance rates for teenagers.

The most effective way to lower your car insurance rate is to have and keep a clean record. Drivers with a speeding ticket, a DUI conviction, or an accident in their history are riskier, meaning they’re more likely to be involved in an accident. Accidents mean claims, and insurance companies are going to raise the rates of risky drivers to cover the costs of paying out the claims they’re likely to have.

Shopping around is another great way to lower your car insurance premiums. By checking with multiple companies, you can compare quotes to choose the right policy that balances the coverage you need with a price you can afford.

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Important Laws Around Auto Insurance in Utah

Utah is a no-fault state, which means that your personal injury protection (PIP) insurance will pay for your medical costs after an accident regardless of who caused the accident. In Utah, the minimum amount of PIP coverage you must have is $3,000. If you have injuries from an accident that will cost more than your PIP limit, you can sue the driver who was at fault for a liability claim. In Utah, you can also sue for liability if you are permanently disabled, impaired, or if you lose a limb.

Utah accepts digital insurance cards downloaded onto a smartphone or other digital device. As long as you have your phone and your insurance provider’s app, you don’t have to keep a paper or plastic auto insurance card in your wallet for proof of insurance.

Utah Driving Laws and Punishments

Like many states, Utah has adopted laws forbidding the use of handheld devices while driving, including texting, emailing, or using social media. You can make hands-free calls or use voice to text. Texting while driving is a secondary offense in Utah, which means you can’t be pulled over and cited only for texting while driving. If you commit another violation, such as running a stop light, in addition to texting while driving, then you can be cited for both violations.

Utah was the first state in the nation to drop its legal blood alcohol limit from the common .08 percent to .05 percent. Utah already has more severe restrictions on alcohol than other states, including a cap on the percentage of alcohol allowed in beer sold in the state. This contributes to the fact that Utah has the lowest number of drunk driving deaths in the country, but there are still nearly 30 DUI arrests per day in the state.

Drivers in Utah not only have to carry proof of insurance with them, they have to make sure their car insurance doesn’t lapse. Insurance companies operating in Utah report to Insure-Rite, which matches active coverage with vehicle identification numbers (VINs) registered with the DMV. If there’s no insurance on record for your VIN, you will receive a letter from Insure-Rite asking that you remedy the situation. If you fail to provide proof of insurance either when stopped by a police officer or after receiving a letter from Insure-Rite, then your license may be suspended, and you can be given a fine of at least $400.

Utah Car Insurance FAQs

Is car insurance required in Utah?

Yes. Drivers must have bodily injury liability insurance, property damage liability insurance, and personal injury protection coverage.

Which cars are required to be insured in Utah?

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Non-residents who drive a vehicle for 90 days or more in the state must carry insurance. Any vehicle that is registered in Utah must carry insurance, though unregistered vehicles that are in storage do not need liability or personal injury protection coverage.

When should I get car insurance in Utah?

As soon as drivers become residents of Utah, they’ll need to have car insurance to register their vehicles. Non-residents also need to have insurance if they drive in the state at least 90 days per year.

What happens if my car is not properly insured in Utah?

Uninsured drivers can have their licenses suspended and can receive a fine of at least $400.

Is Utah a no-fault state?

Utah is a no-fault state, which means your own personal injury protection coverage will pay for your medical bills. Drivers are required to carry liability insurance as well.

Do I need uninsured motorist coverage in Utah?

No, Utah does not require uninsured motorist coverage.

Is liability insurance required in Utah?

Yes, bodily injury liability insurance and property damage liability insurance are required.

Does Utah accept digital insurance cards?

Yes, Utah accepts digital insurance cards on mobile devices.