Cheap Car Insurance in Utah
Utah drivers pay an average of $1,500/year for auto insurance — $289 below the national average. Compare quotes and save.
How Utah stacks up
At $1,500 per year for full coverage, Utah drivers pay 16% less than the national average of $1,789. No-fault state with $3k PIP minimum. Salt Lake metro accounts for most claims.
Premiums vary widely within Utah based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Utah
Bodily injury liability
25/65 (in $thousands)
Property damage liability
$15,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Utah car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- No-fault state with $3k PIP minimum. Salt Lake metro accounts for most claims.
Utah insurance FAQ
Compare rates in all 50 states — see how your state stacks up.
All states