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Compare Quotes to Get the Cheapest Car Insurance Rates in Utah

The Beehive State has some unusual insurance regulations. Have no fear – QuoteWizard has compiled data from a variety of state, federal, and insurance industry sources to help you understand them.

This page will show you which types of coverage are legally required in Utah, provide information about the cost of driving including average insurance rates, and share some insights about insurance risk to help you protect yourself and your family.

Average Utah Car Insurance Rates

Average car insurance rates in Utah are generally lower than the national average, though the price you pay my vary depending on your driving record, zip code, your car, limits, and other coverage options.

The average cost of auto insurance in Utah is $733.55 per year. The national annual average cost is $841.23..

Utah Average Car Annual Insurance Rates
Coverage Rates
Liability $454.35
Collision $247.80
Comprehensive $103.18
Total Cost Per Year $713.20
Price Per Month $59.43

Compare Car Insurance Quotes in Utah

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 top companies and find the cheapest rates.

Most Common Vehicles by Quote Requests

These are the 10 most common vehicles owned by Utah drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Ranger
  4. Chevrolet Cavalier
  5. Chevrolet Silverado
  6. Ford Explorer
  7. Ford Taurus
  8. Chevrolet Blazer
  9. Honda Civic
  10. Dodge Durango
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Top Utah Car Insurance Companies

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Utah. Out of the 21,266 Utah drivers that used QuoteWizard to request insurance quotes last year, 2,236 had no car insurance.

  1. Allstate Insurance
  2. Geico
  3. Farmers Insurance
  4. Progressive Casualty
  5. Liberty Mutual
  6. Esurance
  7. Nationwide
  8. 21st Century Insurance
  9. AIG
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Utah State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in Utah, you must maintain a minimum level of insurance coverage of 25/65/15.

This means that any policy must include the following:

  • $25,000 of coverage for bodily injury liability per person
  • $65,000 of coverage for bodily injury liability per incident
  • $15,000 of coverage for property damage liability per incident
  • $3,000 of coverage for Personal Injury Protection

Utah is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their insurance companies, regardless of whether the other party is insured. Liability coverage is intended to help pay for other peoples’ medical and repair bills if you're found at fault in a car accident. Personal Injury Protection (PIP) is intended to cover your medical expenses after an accident, regardless of who was at fault.

Required Proof of Car Insurance

Any time you drive in Utah, you must be prepared to show your car insurance identification card to law enforcement. You will get this identification card from your car insurance company when you buy a policy.

The insurance ID card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver.

Penalties

Driving without insurance in Utah is a Class B misdemeanor punishable by a minimum fine of $400 for a first offense. You will also have your driver’s license suspended, at least until you are able to show proof of insurance upon request.

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SR-22 Requirements

Utah residents that have had their driver’s licenses suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

Utah law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of Utah Traffic Safety Laws

Distracted Driving Laws

Drivers under the age of 18 may not use cell phones while driving in Utah. The state also prohibits school bus drivers from using cell phones while driving. All drivers are banned from sending or receiving text messages while driving in Utah.

Implied Consent Law

Utah’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, oral fluids (saliva), or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties as well as those for a DUI:

  • First Offense: 18-month driver's license suspension
  • Second Offense: 3-year driver's license suspension
  • Third Offense: 3-year driver's license suspension

DUI Law and Penalties

If you drive or operate a motor vehicle in Utah with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Minimum of 48 hours in jail
  • Minimum fine of $700
  • 120-day driver’s license suspension

The penalties for a second offense DUI conviction are more severe:

  • Minimum of 240 hours in jail
  • Minimum fine of $800
  • 2-year driver's license suspension
  • Required installation of ignition-interlock device

After a third DUI conviction the penalties increase to:

  • Minimum of 1,500 hours in jail
  • Minimum fine of $1,500
  • 2-year driver’s license suspension
  • Required installation of ignition-interlock device

Child Restraint Law

Children under 8 years old, and less than 57” in height must be restrained in an approved car seat. Children age 8 and up and 57” in height or taller may use adult seat belts. The maximum fine for failing to properly restrain children in Utah is $45 for a first offense.

Graduated Driver’s License Program

Utah has implemented a 3-tier graduated driver’s license system beginning with a learner permit and ending with full driver privileges once all conditions are met.

Senior Drivers in Utah

All Utah drivers are required to renew their driver’s licenses every 5 years. Drivers ages 65 and above must pass a vision test in order to renew their licenses.

Seat Belt Laws

Utah requires that all passengers in a moving vehicle ages 16 and above wear seat belts. Children are required to use approved child seats as described above. The maximum fine for a first offense is $45.

Vehicles Registered in Another State

When you drive a vehicle in Utah that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

The Cost of Driving in Utah

Average Utah Car Insurance Rates

The average cost of car insurance in Utah in 2013, the most recent year for which data was available, was $733.55 compared to a national average of $841.23. Utah is the 30th most expensive state for car insurance.

Fuel Taxes

The state of Utah taxes gasoline and diesel fuel at 29.41 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. Total taxes on a gallon of gasoline in Utah are 47.81 cents per gallon. For diesel fuel the taxes total up to 53.81 cents per gallon.

Car Insurance Risk in Utah

Traffic Fatalities

In 2014, there were 256 traffic fatalities in Utah, an 16% increase from the state’s 220 traffic fatalities in 2013.

Vehicle Thefts in Utah

Utah had 7,296 vehicle thefts reported in 2014, a 2.6% decrease compared to 2013. In 2014, the vehicle theft rate was 248 per 100,000, a decrease of 3.9% over the 2013 rate of 258.1per 100,000.

The vehicle theft rate in Utah is slightly below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Utah

Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1997 Honda Civic
  2. 1997 Honda Accord
  3. 2001 Ford Pickup (Full Size)
  4. 1999 Chevrolet Pickup (Full Size)
  5. 1996 Subaru Legacy
  6. 2012 Dodge Pickup (Full Size)
  7. 1994 Nissan Sentra
  8. 2000 Jeep Cherokee/Grand Cherokee
  9. 1997 Nissan Altima
  10. 1991 Toyota Camry

Uninsured Motorists

The percentage of Utah residents estimated to be driving without insurance is only 5.8%. That ranks Utah as #48 among US states and the District of Columbia, far better than average.

Utah Auto Insurance Company Market Share

Source: 2014 Utah Private Passenger Auto Market Share Report
Rank Market Share Company
1 10.78% Mid Century Insurance Co.
2 6.54% Allstate (Fire & Casualty)
3 3.81% Progressive Classic Insurance Co.
4 3.62% Geico Casualty Co.
5 3.58% Progressive Direct Insurance Co.
6 3.45% American Family Mutual Insurance Co.
7 2.65% Allstate Insurance Co.
8 2.28% Farm Bureau Pro & Cas Co.
9 2.23% Geico General Insurance Co.

Crash Statistics

The Utah Department of Public Safety archives crash statistics on this website: Utah Crash Statistics

Utah Office of the Superintendent of Insurance

Website:
OSI Homepage
Insurance Commissioner:
Todd E. Kiser
Insurance Hotline:
(800) 439-3805
Hours:
Monday - Friday
8:00 a.m. to 5:00 p.m.
File a Complaint:
Complaint Page

Sources:

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