Is car insurance required in Utah?

Yes, like most U.S. states, Utah requires drivers to carry a certain minimum amount of liability insurance: $25,000 of bodily injury liability per person, $65,000 of bodily injury liability per accident and $15,000 of property damage liability. As a no-fault state, Utah also requires $3,000 in PIP insurance. To protect your finances against damage to your own vehicle, you may want to add collision and comprehensive insurance to your policy, as well as other optional coverage types such as gap insurance or rental coverage. Failure to carry auto insurance is a misdemeanor in Utah, possibly leading to fines as high as $1,000 and a suspension of your driver’s license. Even if you don’t have insurance, you will still be held responsible for paying any damages you caused in an accident.

What is the cheapest car insurance company in Utah?

There are a number of carriers writing affordable policies in the Beehive State, and any one of them might be the cheapest car insurance company for your situation. Your own rate is highly personalized. It's based on multiple factors that range from your car's age, and make and model to your own driving record, age and gender. Every carrier determines rates a little differently, so it can pay off to ask for quotes from several companies to see who will have the lowest rate for you.

Will my car insurance still apply if I am driving outside of Utah?

Yes, your car insurance policy will still apply no matter where you are driving in the U.S., as long as you have the appropriate minimum requirements of the state in which you are licensed. Even if you drive into a state that has higher minimum limits than yours, a minimum coverage policy from your home state will be acceptable. It is possible you may even be covered in Canada; however, you should confirm with your car insurance company beforehand.

What can I do to save money on my car insurance?

There are several strategies you can take to help lower your car insurance premiums. Shopping around for the lowest price is a good way to start your search. Although it's easy to obtain quotes from many insurers' websites, it can be a good idea to talk to a live agent, who can ensure that your quote includes all the discounts you are eligible for. If you are generally a safe and careful driver, see if your chosen carrier offers a telematics program. This usually involves downloading an app which records real-time data on your driving skills. If you follow speed limits and exhibit other safe driving practices, you can save up to 40 percent from some insurers.

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Best car insurance in Utah for 2025

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Best car insurance companies in Utah

The average annual cost of auto insurance in Utah is $831 for state-mandated minimum coverage and $2,188 for full coverage, which includes optional collision and comprehensive coverage. Using data gathered by Quadrant Information Services, Bankrate determined average rates for the top companies writing policies in Utah.

In addition to average rates, we also looked at coverage options, discount availability, digital tools, financial strength ratings from AM Best and customer satisfaction scores from the 2024 J.D. Power Auto Insurance Study. We then assigned Bankrate Scores out of a possible five points to help you quickly compare carriers as you narrow down the best car insurance carriers in Utah for you. Based on our analysis, these include Geico, USAA, State Farm, Progressive and Auto-Owners.


Progressive	4.4 Rating: 4.4 stars out of 5	$1,443	$550
Geico	4.3 Rating: 4.3 stars out of 5	$1,427	$486
USAA	4.3 Rating: 4.3 stars out of 5	$1,420	$445
State Farm	4.3 Rating: 4.3 stars out of 5	$4,532	$1,750
Auto-Owners	4.3 Rating: 4.3 stars out of 5	$1,920	$641

Progressive

Best for digital tools

4.4

Read Progressive review Get a quote

Avg. full coverage premium

$120/mo

Avg. full coverage premium

$1,443/yr

Customer satisfaction

616/1,000

Why Progressive made our list: Progressive could be an excellent choice for drivers looking for a personalized policy that fits their budget. Progressive offers standard coverage options like liability, comprehensive and collision, as well as a handful of more robust options. Rental car reimbursement, loan/lease payoff, custom parts and equipment coverage and ridesharing coverage are all Snapshot telematics program, but it also offers its Name Your Price tool, which could help shoppers find coverage within their budget. However, Progressive ranked below average on the 2024 J.D. Power U.S. Auto Insurance Study. Drivers looking for top-notch service may want to read customer reviews to get a sense of what it’s like to be a Progressive policyholder.
Pros
Name Your Price tool may streamline purchasing process

Strong digital presence via mobile app and online portal
Cons
J.D. Power customer satisfaction score is lower than the industry average

Middle-of-the-road average rates, could find greater savings with another provider

Geico

Best for discounts

4.3

Read Geico review Get a quote

Avg. full coverage premium

$119/mo

Avg. full coverage premium

$1,427/yr

Customer satisfaction

624/1,000

Why Geico made our list: Drivers interested in finding low rates may be interested in Geico's long list of potential discounts. In addition to low average premiums, Geico extends potential savings for company, military and school affiliations, multi-vehicle, bundling and more. The carrier also has a full-service mobile app and an online portal where you can request a quote, update your policy, order roadside assistance or file a claim. However, Geico has a limited number of local agents in Utah, so it may not be the best choice for those who prefer to do business in person.
Pros
Average premiums are some of the lowest in the state

Robust online policy management options
Cons
Local offices are only in Salt Lake City

Fewer coverage options compared to some competitors

Although the mobile app is highly rated in the App Store, the company scored below the segment average for shopping on J.D. Power's 2024 Insurance Digital Experience Study for service

USAA

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$118/mo

Avg. full coverage premium

$1,420/yr

Customer satisfaction

720/1,000

Why USAA made our list: Though not officially ranked due to its eligibility requirements, USAA is consistently one of the highest-scoring carriers among the J.D. Power customer satisfaction studies in all regions of the country — and Utah is no different. While customer service appears to be a priority for the carrier, not everyone qualifies for coverage. USAA is only available for active-duty and retired military personnel and their immediate family members. USAA offers a decent selection of coverage options and potential discounts but stands out for its military-focused options, like a potential discount for garaging your vehicle on base.
Pros
Policies tailored to military needs

Historically high customer satisfaction ratings
Cons
Strict eligibility requirements

Few local agencies

State Farm

Best for local agents

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$378/mo

Avg. full coverage premium

$4,532/yr

Customer satisfaction

648/1,000

Why State Farm made our list: Not only is State Farm the Steer Clear for drivers under 25 are two examples of programs designed to help drivers in Utah save even more. State Farm also secured an above-average placing in the Southwest region in the 2024 J.D. Power Auto Insurance Study, indicating that Utah drivers with State Farm are happy with the company. However, according to our average rate analysis, State Farm may not be the cheapest insurance company in Utah, so this company might not be the best fit for those on a tight budget.
Pros
Many exclusive local agents across the state

Highly-rated mobile app
Cons
Could be more expensive than other carriers based on average rates

Accident forgiveness is not available for purchase

Auto-Owners

Best for coverage add-ons

4.3

Read Auto-Owners review Get a quote

Avg. full coverage premium

$160/mo

Avg. full coverage premium

$1,920/yr

Customer satisfaction

634/1,000

Why Auto-Owners made our list: This regional carrier made our list of best car insurance companies in Utah in part due to its robust optional endorsements. Along with more common coverage add-ons such as gap insurance, Auto-Owners offers unique endorsements you may not find with other carriers. These include diminished value and additional expenses to pay for a rental and lodging if you’re stranded due to a covered claim. J.D. Power scored Auto-Owners in second place in the Southwest region of the 2024 Auto Insurance Study, suggesting that they take their relationships with their policyholders seriously.
Pros
Many coverage endorsements available

A++ (Superior) rating from AM Best
Cons
Only available in 26 states

Quotes only available through an agent

Digital tools not as robust as some competitors

How Bankrate chose the best car insurance companies in Utah

To find the best car insurance in Utah, Bankrate’s insurance editorial team analyzed a host of metrics, including AM Best ratings, J.D. Power customer satisfaction scores, discount availability and online accessibility. Additionally, we studied premium data provided by Quadrant Information Services. Using this information, we calculated each company's Bankrate Score ranging from 0.0 to 5.0. Our goal is that our holistic scoring model aims to help drivers get a complete view of how well a company may perform while they shop for new car insurance.

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carriers reviewed

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How to find the best car insurance in Utah

Finding the best car insurance in UT will depend on your unique needs and financial situation. Consider these strategies to help you narrow down the best carrier and coverage choices for your circumstances.

Utah requires drivers to carry no-fault state, so part of its minimum insurance requirements includes personal injury protection (PIP) coverage, which pays for the injuries you sustain in a covered loss as well as lost wages resulting from those injuries, regardless of who caused the accident.

Besides personal injury protection, Utah’s minimum insurance requirements help pay for damage you cause to the other driver, their passengers, their vehicle and pedestrians. But what about damage to your vehicle? For added financial protection, consider a full coverage policy: your state’s legal minimum requirements, plus collision coverage. These coverages can help round out your policy and cover you for a wider variety of damages.
Utah’s state laws may not be the only thing that dictate how much insurance you need. If you’ve Gap insurance may be another insurance type required by a financial lender, which helps pay the difference between what you owe on your vehicle and the vehicle's actual cash value if it is totaled from a covered loss.
Although it must meet certain requirements — whether they’re from the Utah Insurance Department, your financial lender or a combination of the two — car insurance is a highly customizable product. With enough research, or with the help of a licensed insurance agent, you can create a bespoke policy that works for your insurance needs and your wallet.

For instance, if you are a teen driver you need to add to your policy, you may want a carrier that offers a student discount.

How much is car insurance in Utah?

The other states, which may mean less crowded roadways and a lower risk of accidents.

Utah drivers also experience lower average annual rates than their neighbors. Arizona drivers pay an average of $849 for minimum and $2,644 for full coverage; while in Nevada, the average minimum coverage policy is $1,084, with full coverage coming in at $3,568.

The rates below represent up-to-date quoted annual premiums gathered through Quadrant Information Services. However, your rates may be more or less expensive based on personal factors.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Summit	$2,004	-9%
Altamont	$2,161	-1%
Bluebell	$2,149	-2%
Layton	$2,095	-4%
Salt Lake City	$2,375	+8%
Honeyville	$2,075	-5%
Howell	$2,097	-4%
Willard	$2,069	-6%
Castle Dale	$2,036	-7%
Kenilworth	$2,051	-6%
Lake Powell	$2,056	-6%
Provo	$2,219	+1%
Elberta	$2,150	-2%
Ephraim	$2,128	-3%
Stockton	$2,138	-2%
Woods Cross	$2,093	-4%
Sandy	$2,227	+2%
Eagle Mountain	$2,209	+1%
Manila	$2,145	-2%
Cedar Valley	$2,174	-1%
Henefer	$2,165	-1%
Altonah	$2,142	-2%
Clearfield	$2,117	-3%
Magna	$2,396	+9%
Saratoga Springs	$2,201	+1%
Alpine	$2,266	+4%
Croydon	$2,139	-2%
Echo	$2,160	-1%
Ibapah	$2,137	-2%
American Fork	$2,204	+1%
Centerville	$2,069	-6%
Grantsville	$2,070	-6%
Kaysville	$2,089	-5%
Lehi	$2,208	+1%
Oakley	$2,186	-0%
Pleasant Grove	$2,236	+2%
Roy	$2,129	-3%
Tooele	$2,109	-4%
Tridell	$2,137	-2%
West Jordan	$2,306	+5%
Woodruff	$2,129	-3%
Park City	$2,123	-3%
Bear River City	$2,109	-4%
Corinne	$2,081	-5%
Plymouth	$2,092	-5%
Providence	$1,976	-10%
Blanding	$2,071	-6%
East Carbon	$2,050	-7%
Ferron	$2,059	-6%
Draper	$2,223	+2%
Farmington	$2,062	-6%
Lapoint	$2,126	-3%
Midway	$2,176	-1%
Mountain Home	$2,175	-1%
Peoa	$2,163	-1%
Midvale	$2,276	+4%
Morgan	$2,154	-2%
Randlett	$2,147	-2%
Vernal	$2,098	-4%
South Jordan	$2,238	+2%
Orem	$2,242	+2%
Rush Valley	$2,105	-4%
Herriman	$2,186	-0%
Salem	$2,137	-2%
Salina	$2,025	-8%
Scipio	$2,049	-7%
Cedar City	$1,954	-11%
Central	$2,042	-7%
Glendale	$2,045	-7%
Ivins	$1,972	-10%
Kanab	$2,002	-9%
Koosharem	$2,041	-7%
Hill Afb	$2,112	-4%
Talmage	$2,155	-2%
Wallsburg	$2,195	+0%
Beryl	$2,028	-8%
Boulder	$2,051	-6%
Garrison	$2,051	-6%
Junction	$2,079	-5%
Orderville	$2,089	-5%
North Salt Lake	$2,160	-1%
Myton	$2,170	-1%
Neola	$2,161	-1%
Randolph	$2,145	-2%
Duchesne	$2,177	-1%
Jensen	$2,143	-2%
Kamas	$2,170	-1%
Bingham Canyon	$2,203	+1%
Bountiful	$2,100	-4%
Dugway	$2,093	-4%
Dutch John	$2,149	-2%
Fruitland	$2,171	-1%
Roosevelt	$2,117	-3%
Tabiona	$2,170	-1%
Whiterocks	$2,151	-2%
Dammeron Valley	$2,043	-7%
Saint George	$1,987	-10%
Ogden	$2,155	-2%
Smithfield	$2,030	-8%
Elmo	$2,049	-7%
Green River	$2,013	-8%
Monticello	$2,093	-4%
Washington	$1,973	-10%
Virgin	$2,020	-8%
Axtell	$2,067	-6%
Beaver	$2,040	-7%
Holden	$2,012	-8%
Kanosh	$2,025	-8%
Leamington	$2,036	-7%
Nephi	$2,085	-5%
Spring City	$2,137	-2%
Alton	$2,058	-6%
Glenwood	$2,011	-8%
Kingston	$2,076	-5%
Hurricane	$1,943	-12%
Milford	$2,086	-5%
Modena	$2,019	-8%
Newcastle	$2,045	-7%
Parowan	$1,999	-9%
Leeds	$2,004	-9%
Monroe	$2,002	-9%
Panguitch	$2,114	-3%
Duck Creek Village	$2,042	-7%
Rockville	$2,030	-8%
Bryce	$2,045	-7%
Delta	$2,008	-9%
Levan	$2,112	-4%
Meadow	$2,021	-8%
Sigurd	$2,039	-7%
Circleville	$2,081	-5%
Hanksville	$2,077	-5%
Mount Carmel	$2,040	-7%
New Harmony	$2,006	-9%
Fairview	$2,196	+0%
Gunnison	$2,080	-5%
Hinckley	$2,018	-8%
Lynndyl	$2,036	-7%
Manti	$2,130	-3%
Oak City	$2,012	-8%
Redmond	$2,020	-8%
Sterling	$2,120	-3%
Enterprise	$2,052	-6%
Greenville	$2,067	-6%
Minersville	$2,082	-5%
Fort Duchesne	$2,133	-3%
Heber City	$2,201	+1%
Laketown	$2,105	-4%
Cannonville	$2,063	-6%
Elsinore	$2,001	-9%
Gunlock	$2,061	-6%
La Verkin	$2,010	-8%
Marysvale	$2,081	-5%
Paragonah	$2,027	-8%
Deweyville	$2,086	-5%
Logan	$1,991	-9%
Park Valley	$2,116	-3%
Trenton	$2,033	-7%
Helper	$2,030	-8%
La Sal	$2,055	-6%
Fielding	$2,088	-5%
Garland	$2,089	-5%
Price	$2,014	-8%
Cleveland	$2,046	-7%
Moab	$1,992	-9%
Hyrum	$2,023	-8%
Montezuma Creek	$2,093	-4%
Huntsville	$2,168	-1%
Lewiston	$2,072	-5%
Emery	$2,039	-7%
Pine Valley	$2,041	-7%
Toquerville	$2,008	-9%
Coalville	$2,171	-1%
Hanna	$2,163	-1%
Vernon	$2,126	-3%
Wendover	$2,126	-3%
Aurora	$2,032	-7%
Fillmore	$2,017	-8%
Escalante	$2,141	-2%
Hatch	$2,051	-6%
Henrieville	$2,050	-7%
Moroni	$2,152	-2%
Richfield	$2,010	-8%
Mount Pleasant	$2,163	-1%
Springville	$2,218	+1%
Mapleton	$2,207	+1%
Annabella	$2,037	-7%
Antimony	$2,080	-5%
Brian Head	$2,005	-9%
Joseph	$2,017	-8%
Santaquin	$2,095	-4%
Spanish Fork	$2,163	-1%
Sevier	$2,035	-7%
Chester	$2,109	-4%
Eureka	$2,118	-3%
Fayette	$2,088	-5%
Mona	$2,082	-5%
Payson	$2,140	-2%
Wales	$2,114	-3%
Bicknell	$2,062	-6%
Greenwich	$2,058	-6%
Kanarraville	$1,993	-9%
Loa	$2,109	-4%
Lyman	$2,062	-6%
Cornish	$2,039	-7%
Eden	$2,136	-2%
Hooper	$2,091	-5%
Hyde Park	$2,000	-9%
Paradise	$2,040	-7%
Snowville	$2,083	-5%
Tremonton	$2,098	-4%
Wellsville	$2,015	-8%
Bluff	$2,104	-4%
Veyo	$2,054	-6%
Santa Clara	$1,962	-11%
Springdale	$2,014	-8%
Teasdale	$2,059	-6%
Tropic	$2,049	-7%
Hildale	$2,046	-7%
Collinston	$2,081	-5%
Mantua	$2,061	-6%
Portage	$2,088	-5%
Aneth	$2,079	-5%
Monument Valley	$2,098	-4%
Orangeville	$2,057	-6%
Wellington	$2,026	-8%
Huntington	$2,039	-7%
Mexican Hat	$2,086	-5%
Thompson	$1,994	-9%
Richmond	$2,060	-6%
Brigham City	$2,049	-7%
Cache Junction	$2,013	-8%
Clarkston	$2,065	-6%
Grouse Creek	$2,102	-4%
Mendon	$2,015	-8%
Millville	$2,000	-9%
Newton	$2,066	-6%
Cisco	$2,005	-9%
Clawson	$2,036	-7%
Sunnyside	$2,055	-6%
Riverton	$2,163	-1%
Syracuse	$2,100	-4%
Torrey	$2,080	-5%
Garden City	$2,096	-4%
Lindon	$2,236	+2%
Centerfield	$2,075	-5%
Fountain Green	$2,132	-3%
Goshen	$2,103	-4%
Mayfield	$2,095	-4%

Best car insurance in Utah for 2025

Best car insurance companies in Utah

Progressive

Best for digital tools

Overview

Pros and cons

Progressive standout features

Geico

Best for discounts

Overview

Pros and cons

Geico standout features

USAA

Best for military-focused coverage

Overview

Pros and cons

USAA standout features

State Farm

Best for local agents

Overview

Pros and cons

State Farm standout features

Auto-Owners

Best for coverage add-ons

Overview

Pros and cons

Auto-Owners standout features

Compare auto insurance rates

How to find the best car insurance in Utah

Consider minimum insurance requirements in Utah

Consider lender requirements

Consider your individual needs

Related content:

How a speeding ticket impacts rates in Utah Previously Read

Cheapest car insurance in Utah Previously Read

Utah car insurance laws Previously Read

How much is car insurance in Utah?

Estimate your car insurance cost in Utah

Calculate your monthly car insurance payment

Frequently asked questions

Is car insurance required in Utah?

What is the cheapest car insurance company in Utah?

Will my car insurance still apply if I am driving outside of Utah?

What can I do to save money on my car insurance?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status:

Bankrate Score