Learn how to get the best coverage for your money in Utah.
From Salt Lake City to St. George, Utah drivers need great car insurance to stay safe on the roads of the Beehive State, especially with the winter weather in the mountains that offer some of the best skiing in the nation. But it's sometimes hard to understand what exactly determines your Utah car insurance quote. To help clear up any confusion, our review team investigated at the average cost of Utah car insurance, the state minimum car insurance requirements, and more to answer your questions about UT car insurance.
As many factors can affect your individual quote, we recommend comparing quotes from multiple providers to ensure you are getting coverage for the best possible price. To help you make a more educated decision, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top 12 picks, including providers such as USAA, Geico, State Farm, and Liberty Mutual.
To get started comparing car insurance quotes in Utah, simply call our team at (855) 518-0148 or use the tool below:
In this article:
- Utah Auto Insurance Minimum Requirements
- Factors That Affect Utah Car Insurance Quotes
- How Much Is Car Insurance Per Month In Utah?
- How To Get Cheaper Insurance Coverage In Utah
- What If I Can’t Afford The Minimum Insurance In Utah?
- Recommendations For Utah Car Insurance Quotes
Utah Auto Insurance Minimum Requirements
Each state requires a different basic car insurance level to keep drivers financially responsible in the event of a car accident. Utah is a 25/65/15 state, meaning motorists must carry:
- $25,000 in bodily injury liability insurance per person
- $65,000 in bodily injury liability insurance per accident
- $15,000 in property damage liability per accident
Utah also requires drivers to have uninsured/underinsured motorist coverage in the amounts of $25,000 per person and $65,000 per accident, as well as $3,000 in personal injury protection (PIP). But these types of coverage can be rejected in writing.
Utah is a no-fault state, meaning that your own auto insurance company covers your medical expenses regardless of who caused the collision. You can file a claim against the at-fault driver only if and when your PIP insurance coverage has already run through its limits.
Factors That Affect Utah Car Insurance Quotes
There are many factors that can influence the car insurance quotes you get. The rates of car insurance in Utah varies depending on information such as:
- Personal information: Your age, gender, marital status, and credit score affect the amount you pay for car insurance.
- Vehicle information: You’ll provide the make, model and year of the vehicle you’re looking to insure to determine the price of your auto insurance.
- Which provider you choose: The cost of coverage depends on the insurance provider that you choose to underwrite your policy and the amount of coverage on your policy.
How Much Is Car Insurance Per Month In Utah?
According to the Insurance Information Institute, drivers in Utah had an average annual expenditure of $889.67 in 2017, which breaks down to about $74 per month.
Here’s a closer look at how much drivers in Utah paid for liability, collision, and comprehensive car insurance in Utah that year:
|Type of Insurance||Average Premium in 2017|
|Total average expenditure||$889.67|
*To calculate average expenditures, National Association of Insurance Commissioners assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.
How To Get Cheaper Insurance Coverage In Utah
There are many ways that could make Utah car insurance quotes less expensive across the board, like:
- Asking about discounts: Be sure to check if there are any discounts you could qualify for. Some common discount opportunities include discounts for good drivers, good students, and military personnel.
- Improving your credit score: According to data collected by the Federal Trade Commission, drivers with lower credit scores tend to file more claims than drivers with high scores. For this reason, many insurance providers use your credit score as a metric for determining the price of your premium. Improve your credit score over time to see lower Utah auto insurance quotes.
- Completing a driving course: Many car insurance providers have safe driving, defensive driving, and refresher courses available to customers. Completing one of these courses usually will qualify customers for a discount on their car insurance.
What If I Can’t Afford The Minimum Insurance In Utah?
Driving without proof of car insurance in the state of Utah is a misdemeanor that carries criminal charges and requires a court appearance under Utah state law. The consequences of driving without proof of insurance include:
|First Offense||Second and Subsequent Offenses|
Up to 180 days in jail
Mandatory court appearance
Up to $1,000 fine
Mandatory court appearance
Recommendations For Utah Car Insurance Quotes
When you’re looking for the cheapest car insurance, it’s smart to get multiple quotes and compare them between different companies before deciding which plan fits your lifestyle and your budget. We recommend that drivers in Utah consider Geico and Progressive for auto insurance.
Geico Insurance Quotes
When we were researching the top auto providers for 2020, we found that Geico is the best car insurance provider overall in the nation. It’s also one of our top choices for Utah auto insurance. Geico has a strong reputation among industry experts like AM Best and the Better Business Bureau (BBB).
If you’re looking for affordable car insurance coverage, Geico has many discount opportunities that you could qualify for based on factors such as your driving habits, your vehicle’s special features, and customer loyalty. When you reach out for a quote, make sure to ask about discounts.
Read more in our Geico review.
Progressive Insurance Quotes
Our review of Progressive car insurance found that this company is a great option for people in their 20s and drivers with DUIs in their history. With thousands of positive reviews from satisfied customers and high ratings from top names in the auto industry like the AM Best, Progressive is a good provider to consider in Utah.
Along with standard insurance coverage, you can get roadside assistance, rental car reimbursement, custom parts and equipment coverage, and rideshare coverage with Progressive. Progressive has many money-saving features, like a deductible savings bank, opportunities for bundling home and auto insurance, usage-based insurance, and more.
Read more in our Progressive insurance review.
Get A Quote
Whenever you shop for auto insurance, we recommend getting quotes from multiple providers so you can compare coverage and car insurance rates. In addition to the car insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Get started by entering your zip code in the tool below or call our team at (855) 518-0148 to begin comparing personalized Utah car insurance quotes:
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