Best Cheap Car Insurance in Utah for 2022

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 damage. 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 not 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 coverage 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 eight percent of its drivers are uninsured, which compares favorably with a national average of 13.8 percent. Perhaps because of this, Utah doesn’t 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.

Additional Car Insurance Considerations

Here are some additional situations when you want to consider how your insurance coverage will impact you. 

Will anyone be driving your car that isn’t considered an owner, or not listed on the insurance? If this is a potential scenario, you might want to require them to purchase non-owner insurance to ensure you aren’t held responsible for damages if a third-party sues after an accident. 

If you don’t have a license and plan on driving anyway, you should still purchase insurance. Even though this is risky in itself, doing it without insurance is even riskier. If you are in an accident and don’t have insurance, you can be held completely liable for the other party’s medical expenses and auto repairs. You can be taken to civil court, found guilty, and have a judgement placed against you. Driving with no insurance and ending up in an accident also leads to more serious charges.

If you are making payments on a vehicle, you should purchase full-coverage insurance even if it’s not required of the loan company or dealership. In the event of an accident, if you only have liability on a vehicle you are making payments on, you are still liable for the payments if the vehicle is totaled. This means you would still have to make payments on a worthless car or face a repossession on your credit.

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 they maintain a database that designates which of the state’s registered drivers are compliant, and which are not. The latter group gets a letter in their mailbox asking for proof of insurance.

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

These are all of the potential penalties for failure to carry insurance when you are driving in Utah:

• The $400-$1,000 fine will carry a 90% surcharge. 
• You could be sentenced to 180 days in the county jail. 
• You could be forced to carry SR-22 insurance for high risk motorists. 
• Your license can be suspended and you will be forced to pay a reinstatement fee.
• If you’re convicted of driving without insurance, you could have difficulty getting prior charges expunged from your record. 

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

Teenage drivers in Utah often pay the highest auto insurance rates due to their inexperience behind the wheel and likelihood of being involved in a collision or receiving moving violations. 

Clearcover offers one of the most affordable auto insurance policies for teens at just $144/mo. 

While this is the best rate we found, be sure to do your research and compare rates to see whether you can find a better rate based on your personal driving history, location and other factors that influence how rates are set.

Drivers in the 18-24 age range continue to see higher than average auto insurance rates, but they thankfully get a relief from the more expensive rates charged to teen drivers. 

Once again, Clearcover offers the cheapest auto insurance policy for young drivers in Utah at $98/mo.

Once you hit retirement age, you’re ready to rest and relax without worrying about work, but if you’re still driving, you have to consider your auto insurance rates. Drivers over 65 start to see a slight increase in auto premiums compared to their 30s, 40s and 50s, because as you age, you’re more likely to display unsafe driving habits. 

It’s likely no surprise, but Clearcover offers the most affordable auto insurance rate for retired drivers in Utah at $66/mo.

If you’ve taken a walk down the aisle, you’ve taken a major step toward cheaper auto insurance premiums. Marriage is truly a win-win! 

Auto insurance companies typically charge married people less for a couple of reasons. One, they’re known for displaying safer driving habits. Two, they typically cover multiple vehicles under the same policy which saves them money on their policy. 

This time, Gainsco takes the spot offering married drivers the most affordable auto insurance premiums in Utah at just $60/mo.

Not married? No worries. While you might not get auto insurance rates quite as low as a couple who has said “I Do,” you can still secure affordable premiums.

Here’s a list of 10 companies offering cheap car insurance for single drivers in Utah. 

Kemper charges an average premium of $74/mo, followed by Gainsco at $76/mo. Rates then remain in the $81-$88/mo range with Safeco ($81/mo), Dairyland ($84/mo), Motion Auto ($84/mo) and Answer Financial ($88/mo). Liberty Mutual ($95/mo) is the last company to offer rates under $100 followed by Travelers at $102/mo. Rates on this list top out at $110 with both Nationwide and Freedom Insurance.

The average rate for auto insurance for men and women in Utah is similar. Men pay a slightly higher rate of $77/mo compared to women who pay an average premium of $75/mo. 

Cheapest Car Insurance for Men in Utah

In Utah, the cheapest car insurance premiums for men range from $59/mo-$78/mo. Sun Coast offers the most affordable rates at $59/mo. Then rates jump to $70/mo with Clearcover. Premiums remain similar with Gainsco ($73/mo), Motion Auto ($77/mo) and Kemper ($78).

Cheapest Car Insurance for Women in Utah

While women pay less on average than men in Utah, the cheapest policy offered by Sun Coast is actually a bit more expensive than what they charge male drivers at $63/mo. Rates then remain relatively similar at $71-$72/mo for Clearcover ($71/mo), Dairyland ($71/mo), Kemper ($72/mo) and Gainsco ($72/mo).

If you have a history of accidents or tickets on your record you can expect to pay more for auto insurance because insurance companies see you as a greater risk. Thankfully, there are companies that still charge affordable premiums regardless of your record. 

Here are the cheapest car insurance companies for Utah drivers with accidents or tickets on their record. 

Cheap Car Insurance for Drivers with a Ticket on their Record

Sun Coast starts at $73/mo followed by Gainsco at $76/mo. Dairyland ($81/mo), Kemper ($89/mo) and Motion Auto ($89/mo) round out the list with similar monthly premiums. 

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

Once you have multiple tickets on your record you see a change in auto insurance premiums. Sun Coast starts at $80/mo followed by Motion Auto at $89/mo. Rates then jump to $100+/mo with Kemper ($106/mo), Gainsco ($107/mo) and Dairyland ($109/mo). 

Cheap Car Insurance for Drivers with an Accident on their Record

The cheapest rates for drivers with an accident on their record range from $58-$79/mo. Sun Coast offers the most affordable rates at $58/mo. Clearcover ($68/mo), Gainsco ($69/mo) and Kemper ($71/mo) offer similar monthly premiums followed by Safeco at $79/mo. 

State minimum auto insurance in Utah will help you save a pretty penny, but it doesn’t provide as much coverage. So, you always want to weigh the pros and cons of the insurance coverage plan you select. 

Here are the cheapest Utah state minimum coverage options available. 

Sun Coast averages $51/mo for state minimum coverage. They’re followed by Clearcover at $56/mo. The remaining companies on our list offer similar rates – Kemper ($63/mo), Gainsco ($64/mo), Liberty Mutual ($66/mo), Motion Auto ($67/mo) and Dairyland ($70/mo).

The added protection provided by full coverage car insurance comes with an added cost – but the peace of mind is well worth it for many. 

Here are 4 companies offering the cheapest full coverage car insurance in Utah.

Rates are relatively similar across the board for these companies. Clearcover has an average rate of $93/mo with Sun Coast ($96/mo) and Motion Auto ($98/mo) coming in closely behind. Kemper has the highest rates on this list at $115/mo.

The following list is composed of the best rated car insurance companies in Utah based on customer feedback and satisfaction. 

Bear River Mutual Insurance Company

Bear River was rated the best overall insurance company in Utah. What started as a small company that helped farmers obtain loans for property and equipment has turned into the best full-service insurance company in the state of Utah. 

The General

Utah loves The General Insurance. This company began as a relatively unknown auto-insurance company. However, through an aggressive marketing campaign and word-of-mouth reviews, they have become a leader in the auto and home insurance industries. The General Insurance is known for offering insurance to high-risk drivers at fair prices. 

National General Insurance

This company was founded in 1920 and has since grown to one of the largest insurance providers in the country. They have an A+ rating with the BBB and were ranked as the best auto insurance company in Utah.

Gainsco

Gainsco focuses on the non-standard personal auto-insurance market, and specializes in minimum-limits auto policies. They were rated as the best car insurance company in Utah for 2020. 

Direct Auto Insurance

This young company was founded in 1991 and focuses on non-standard automobile insurance. Direct Auto Insurance has made a name for themselves by specializing in SR-22 insurance for high-risk drivers. 

State Farm Insurance

State Farm is the largest provider of home and auto insurance in the entire United States. They have an A+ rating with the BBB, and are known in Utah for playing an instrumental role in community charities and organizations. 

Nationwide

Nationwide is a favorite in Utah because of their versatility in automobile policies. They have great rates, and offer policies for nearly every situation you could imagine. 

Esurance

Esurance is an online based auto insurance company that offers bundled packages for its customers. They are owned and backed by Allstate, and share all of their resources.

Farmers Insurance

Farmers Insurance is one of the oldest insurance companies in the United States. Presently they insure over 50 million customers within the United States. They are known in Utah for their top-notch customer service and bundled discounts. 

Farm Bureau Financial Services

This company specializes in auto and other insurances for the rural farmers of Utah. They are an all-in-one company for individuals in the agricultural industry in the state.

There are several different types of discounts available in the state of Utah. The following list are the most commonly offered discounts, their amount, and explanation. 

• Customer Loyalty Discount: If a customer has gone a certain number of months or years without switching companies, and kept a history of prompt payments, they can earn this discount. Most major insurance carriers have some type of customer loyalty program. The rewards are based on the number of years the customer has been an active customer. For example, one year might grant a 5% discount, while a three-year reward might garner a 15% discount. 
• Good Driver Discount: If a driver has a substantial history of being accident or ticket free they can receive a good driver discount. The rewards range from a 10-30% discount. 
• Driver Education Discount: Drivers who enroll in a driver education course can be rewarded for doing so.  Defensive driving classes are also included in this discount program. The rewards for these courses are 5-10%.
• Continuously Insured Discount: It’s important to stay insured constantly when you have a vehicle on the road without any lapses. If you can manage this, your insurance company might reward you for it. The longer you remain insured for a consecutive period, the higher the reward will be. You can expect anywhere from a 5-25% discount for this accomplishment. 
• Full Payment Discount: You can receive rewards for doing things like paying your policy in full, signing up to pay your bills online, or enrolling in autopay. These rewards typically range anywhere from 2-25%. 
• Policy Bundling Discount: Policy bundling is when you have multiple vehicles under the same policy (multi-car) or you have different insurance policies such as homeowners insurance and auto insurance (multi-policy) with the same company. These can all be rolled into one large umbrella and offer anywhere from a 1-12% discount. 
• Good Student Discount: Good students are often rewarded for their grades in Utah. However, each student must maintain an average of a “B” or higher. Depending on the carrier, these rewards range anywhere from 5-20%. 
• Usage Based Discount: Usage based discounts are becoming more popular each year. Telemetrics devices are installed in the vehicle or on your mobile phone that monitor driving habits such as average speeds, braking habits, how hard turns are taken, how close you follow drivers, etc. These are points based systems to give out discounts from 1-30%. 

Safety Feature Discount: Cars with safety features installed, such as anti lock brakes, daytime running lights, and impact alert systems can earn their owner’s discounts. These features bring a lower chance of accidents, and reward anywhere from 2-30%.

Auto insurance rates have shown a mostly downward trend in Utah over the last 5 years. 

Premiums started out at $92/mo in 2017 then experienced a slight increase to $100/mo in 2018. 2019 saw a drop to $86/mo before rates remained consistent in 2020 and 2021 at $76/mo.

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. To help you see how rates vary from city to city, check out our rate comparison table below.

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!

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.

Another important thing to remember is if you are convicted of driving with no insurance or another serious offense, you will also have to pay reinstatement fees. These can be fairly high, and normally increase with each year. 

Check out Compare.com’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.

What  insurance is required in Utah?

In Utah you must carry the minimum amount of liability coverage. This includes $25,000 in bodily injury, $65,000 per accident, and $15,000 in property damage. This only covers other parties involved in the accident if you are considered at fault. 

How much is car insurance in Utah?

The average rate for car insurance in Utah is $76 per month. This is assuming the insurance is the minimum liability package that Utah requires of all vehicle owners. It’s important to note that policy changes, like upgrades to full coverage and other things, can cause a significant increase to premium amounts. 

What happens if you drive without car insurance in Utah?

If you drive without car insurance in Utah, you could face a stiff set of penalties. These charges could lead to a potential criminal conviction, with up to 180 days in jail, fines of $1,000 with a 90% surcharge, and having to carry SR22 insurance. 

Additionally, if you have been convicted of driving without insurance in Utah, this could prevent you from having other serious charges expunged from your record in the future. 

Does Utah require full coverage insurance?

In Utah, you must carry liability insurance with limits of 25/65/15. This means that the premiums have to be $25,000 per person, $65,000 per accident, and $15,000 for property damage. 

It’s important to note that even though the state doesn’t require full coverage, many banks and car dealerships require you to carry the latter. This is to ensure them that a vehicle with a title lien will be covered in the event it is totaled in an accident. 

Can you get car insurance without a license in Utah?

It’s possible to get insurance with no license in Utah. However, it’s a difficult process and is substantially higher in price. There is an inherent risk in insuring an unlicensed individual, so premiums can be through the roof.

Methodology

All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.