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Car Insurance in Utah: 2026 Rates & Guide

Utah is a mid-range state for car insurance. The average driver pays $92/month ($1104/year). Here's how to find the best rate for your situation.

$92

Avg Monthly

$1104

Avg Annual

#41

Cost Rank (1=priciest)

$70

Cheapest Option/mo

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Cheapest Car Insurance Companies in Utah (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Utah — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$70/mo4.3Get Quote
2
State Farm
$74/mo4.5Get Quote
3
Bear River Insurance
$66/mo4.4
4
Progressive
$82/mo4.1Get Quote
5
Farmers
$86/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Utah Car Insurance Requirements

Minimum Coverage: 25/65/15

Utah is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.

Utah Insurance Facts

Utah is a no-fault state requiring PIP coverage — medical expenses up to $3,000 are covered regardless of who caused the accident.
Salt Lake City has significantly higher premiums than rural Utah due to rapid population growth and increasing traffic congestion.
Utah's growing population has increased accident frequency, pushing premiums above the mountain west average.

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How to Get Cheaper Car Insurance in Utah

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Utah — FAQs

What is the average cost of car insurance in Utah?
The average car insurance cost in Utah is $92 per month ($1104 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Utah?
Utah requires minimum liability coverage of 25/65/15 (bodily injury per person / bodily injury per accident / property damage). Utah is a no-fault state, which means additional PIP coverage is also required.
Which company has the cheapest car insurance in Utah?
Based on our research, GEICO offers the lowest average rate in Utah at around $70/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Utah a no-fault car insurance state?
Yes, Utah is a no-fault state. This means your own insurance covers your medical bills after an accident regardless of who was at fault. Personal Injury Protection (PIP) coverage is required.
How can I lower my car insurance in Utah?
The most effective ways to lower your car insurance in Utah include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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