On average, your neighbors pay $65 a month.See Your Rates
If you love skiing or hiking in beautiful national parks, Utah has you covered. Some of the state’s insurance regulations are complex, but we'll help you work through them. This page will cover Utah's car insurance laws, how to find cheap insurance, how to pick a plan, and more.
How much is car insurance in Utah? Premiums in Utah are generally lower than the national average. The average cost of auto insurance in Utah is $784.10 per year. The national average price is $889.01.
|Total Cost Per Year||$784.10|
|Price Per Month||$65.34|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Utah rates from 2011 to 2015, the most recent year the data is available. According to the III, Utah car insurance rates increased from $712 in 2011 to $784 in 2015, a jump of $71 dollars, or 10.01 percent.
Buying car insurance in Utah should be easy. Unfortunately, it can be the opposite when you shop for it on your own.
Instead of spending hours researching insurers by yourself, let QuoteWizard lend a helping hand. We’ll connect you to the top car insurance companies in the country so you can compare rates. In the end, you’ll not only save time, but also money!
Last year, 21,266 people used QuoteWizard to compare car insurance quotes in Utah from multiple companies to find the cheapest rates.
Out of the 21,266 drivers in Utah that used QuoteWizard to find insurance quotes last year, 2,236 were uninsured. These are the main insurers according to QuoteWizard users from Utah in the last year:
This list shows the cars most commonly owned by Utah drivers using QuoteWizard last year:
If your driving and insurance history is poor, companies may consider you high-risk. High-risk drivers often cost insurance companies money, so they must pay higher rates. Some companies refuse to cover such drivers altogether. If that applies to you, finding insurance is a tough task. The Utah Automobile Insurance Plan will help you get basic coverage. Click and see if you qualify.
These insurers offer policies for high-risk Utah drivers as well:
Insurers see teens as high-risk drivers due to inexperience. As such, teenagers pay more for auto insurance than any other age group. Between accidents and tickets, teens are an insurance liability.
Our data shows that teens pay an average of $438 a month for car insurance. The amount can drop to $278 if they’re on a parent's plan. This is still a high price. Luckily, there are many companies that offer a discount for teens with good grades.
These insurance companies offer good coverage for Utah teens:
Utah’s sparse population (3.1 million as of last year) means fewer people on the road. That, in turn, leads to fewer risks on the road. However, Utah is one of the snowiest states in the country. Snowy conditions contribute to car accidents, and that can raise rates in the entire state.
The III states that only 8.2 percent of Utah’s drivers are uninsured. This low number keeps car insurance rates down for all Utah Drivers.
Utah requires a minimum level of insurance coverage of 25/65/15. This means that your policy must have:
Utah is one of 12 US states that have no-fault insurance. In no-fault states, accident victims can collect benefits from their insurance companies regardless if the other party is insured. Liability pays for the medical and repair bills of others if you're found at fault in an auto accident. Personal Injury Protection (PIP) covers your medical expenses after an accident, regardless of who is at fault.
Minimum coverage is cheap in the short term, but not if you have an accident. Minimum coverage doesn’t include collision or comprehensive coverage. Should you go beyond the limits of your minimum coverage, the out-of-pocket cost could be huge.
Minimum coverage pays for damages to other people and property. However, it does nothing to cover you, your injuries, or your property. If you only have minimum coverage and you cause an accident, your pay your own expenses.
Collision coverage takes care of damages after an accident. Comprehensive coverage pays for damages that only involve your car. This includes events like disasters, theft, and vandalism.
As such, we recommend the following coverage:
Better coverage brings better peace of mind. If your finances allow, get comprehensive and collision coverage. Also get a deductible that works with your budget. To protect against drivers with low or no insurance, consider uninsured/uninsured coverage. Also, look at medical payment coverage and personal injury protection. They cover medical costs after an accident.
All Utah drivers need to be ready to show proof of insurance to law enforcement upon request. Driving without auto insurance in Utah is a misdemeanor with a minimum of a $300 fine. If you’re convicted of driving without insurance in Utah, you may also need to carry SR-22 coverage.
Utah drivers with a suspended license due to DUI or other violations must file an SR-22 form. In Utah the amount of coverage required for proof with an SR-22 is:
Utah requires SR-22 holders to maintain the SR-22 for at least three years. Should your SR-22 lapse, the state will suspend your license. Needing an SR-22 virtually guarantees an insurance rate increase.
In Utah, total loss is calculated by a total loss formula. Add the repair costs to the car’s salvage value. If that total is greater than the car’s actual cash value, your insurer will deem it a total loss.
Buying insurance for rebuilt or salvaged cars in Utah is hard. Some insurers don’t cover them at all. If you can find coverage, expect a higher rate.
Utah has laws in place to prevent distracted driving accidents. The state prohibits all drivers from using handheld devices while driving. This includes texting. Breaking this law can result in a $750 fine and up to three years in prison.
If you’re driving in Utah with a Blood Alcohol Content level of 0.08 or higher, you're guilty of DUI. Depending on how many DUI offenses you have, you could face prison time and pay at least $1,500 in fines.
In any case, a DUI will affect your premiums. Our data shows that drivers with DUIs pay an extra $830 per year for car insurance.
Car insurance rates tend to go up when a driver turns 65, and increase as you get older. Senior drivers in Utah must also take a vision test every time they renew their license.
When driving a vehicle registered to another state in Utah, you need the insurance required by that state and proof of insurance.
Our data currently shows that Utah is the third worst state for driving in the US. Salt Lake City, Utah, ranks as the tenth worst city for driving. This ranking is based on accidents, tickets, DUIs, and citations occurring in Utah.
Living in an area with bad drivers can increase your insurance premium. More bad drivers lead to more accidents and, subsequently, more claims. If there's an above-average amount of claims filed in your area, insurers will raise rates across the board.
In 2016, there were 281 traffic fatalities in Utah, a small increase from 276 in 2015.
In 2016, 9,388 vehicles were reported stolen in Utah. This is a 7.57 percent increase over the 8,727 vehicles stolen in 2015.
If your car is a theft risk in Utah, it might affect your premium. Check the list below and see.
Want to save money on your premium? There are many options available to Utah drivers:
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