Compare Utah Car Insurance Rates Online

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utah $68.67/mo.
National $89.17/mo.

Average Premiums

Driving in the nation’s second fastest-growing state means you’ll have more and more company on the road. Luckily, by following all of the car insurance requirements for Utah, you can enjoy the ski slopes, canyoneering and kayaking without worrying about bumping into a new friend on the way there without proper coverage. This guide will point you in the right direction.

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What are Utah's Auto Insurance Minimum Requirements?

Utah drivers face a few minimum requirements in order to meet car insurance compliance. These include liability insurance minimums of $25,000 per person for bodily injury, $65,000 per accident for bodily injury and $15,000 per accident for property injury. For savvy auto insurance buyers, this translates to 25/65/15. Remember: Be sure to keep proof of your insurance on hand at all times, as you could be cited even if you’re compliant with these minimums.

Don’t know what those numbers mean? Check out our liability coverage page.

Comprehensive and collision insurance aren’t required in Utah, but because it’s a “no-fault” state, Utah does mandate that all drivers carry personal injury protection (PIP) in the amount of $3,000. This is coverage that will be used toward medical expenses from an accident.

Despite the fact that Utah’s minimum requirements are more expensive than many states, only about 8 percent of its drivers are uninsured, which compares favorably with a national average of 13.8 percent. Perhaps because of this, Utah does not mandate that drivers obtain uninsured motorist insurance.

Remember that meeting Utah’s auto insurance requirements constitutes the bare minimum; you may choose to consider additional PIP to go toward medical payments, as well as collision insurance and comprehensive coverage. Meeting your insurance liability is only one hurdle in an accident, being able to cover other out-of-pocket expenses is the other.

Cheap Liability Coverage in Utah

Looking for cheap liability car insurance in Utah? It’s not too hard to find. First, compare your quotes on Select “state minimum” as your plan option, and that’ll show you personalized rates for a liability-only policy. ($3,000 in PIP — personal injury protection — will also be included, because it’s mandatory in Utah.) The minimum liability coverage you can carry is $25,000 per person and $65,000 per accident for bodily injury, plus $15,000 per accident for property injury.

As long as you have a decent driving record, you should find some affordable options! A 27-year-old female Salt Lake driver with no driving violations got quotes ranging from $32 to $62 per month for liability insurance.

What are Some Utah Auto Insurance Discounts to Look Out For?

Your car insurance premium only tells half the story. The many discounts you may be eligible for round out the rate. Utah auto insurance discounts run the gamut, from good student discounts and bundled policy discounts, to employer or affinity group discounts and safe driving discounts.

Utah Auto Insurance Penalties & Laws

So what happens if you throw caution to the wind, and decide not to comply with Utah’s mandatory car insurance guidelines? Well, in Utah, it’s tough to slip past Johnny Law, the real deal and his virtual counterpart. That’s because Utah maintains a database that designates which of the state’s registered drivers are compliant, and which are not. The latter group get a letter in their mailbox asking for proof of insurance.

Failure to carry insurance can result in a fine of between $400 and $1,000. Utah won’t renew a driver’s license until the minimum car insurance requirements are met and he or she pays a reinstatement fee.

To learn the full rundown on auto insurance compliance in Utah, visit the state’s online auto insurance resource.

Utah Vehicle Costs and Fees

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Utah.

Compare Utah Car Insurance Prices by City

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

City Average Monthly Car Insurance Premium
American Fork $74
Bountiful $63
Cedar City $54
Clearfield $65
Draper $62
Herriman $59
Layton $65
Lehi $65
Logan $59
Magna $72
Midvale $67
North Salt Lake $68
Ogden $59
Orem $63
Pleasant Grove $78
Provo $68
Roy $62
St. George $56
Salt Lake City $65
Sandy $65
South Jordan $62
Springville $62
Tooele $53
Vernal $50
West Jordan $67
Ogden $70

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!