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Last Updated on January 1, 2026
Car insurance in Utah is often cheaper than the national average—but what you pay can still swing dramatically based on your ZIP code, driving history, vehicle, annual mileage, and (in many cases) your credit-based insurance score. Recent pricing research puts Utah’s average cost around $2,188 per year for full coverage and $831 per year for minimum coverage (averages vary by study and driver profile). See Utah’s latest average-rate estimates here.
Also important: Utah updated its minimum liability limits for policies issued or renewed on/after January 1, 2025. If you haven’t reviewed your policy in a while, it’s a good time to confirm your coverage still meets (or exceeds) state requirements. You can review Utah’s motor vehicle insurance statutes here.
There’s no single “best” auto insurer for every driver. The right choice depends on your budget, coverage needs, and which company gives you the best combination of price, claims experience, and discounts. Below are 10 companies that are generally worth comparing in Utah.
If you prefer working with someone who can shop multiple carriers for you, consider contacting independent agents to compare options that aren’t always shown on big-name quote sites.
Utah requires drivers to carry auto insurance to legally drive. Your policy needs to include liability coverage and no-fault coverage (PIP). Utah also requires uninsured and underinsured motorist coverage unless you waive it in writing (your insurer should provide the waiver form if you choose to reject it).
Utah’s minimum required coverages typically include:
Minimum coverage is a legal starting point—not a financial safety net. If you have a newer vehicle, a loan/lease, or meaningful assets to protect, consider higher limits and adding comprehensive and collision. For a broader overview, see our state-by-state auto insurance requirements guide and our breakdown of minimum coverage auto insurance.
Utah is also a no-fault state for injuries, which means many injury claims start through your own PIP coverage (up to your policy limits), regardless of fault.
If you want the best value in Utah, the “secret” is simple: compare the same coverage across multiple companies. Here’s a quick process that works.
Driving without insurance in Utah can trigger expensive penalties—including registration issues and a license suspension. Utah also runs insurance verification (so you can get flagged even if you’re not pulled over). Read Utah DMV’s insurance requirements and penalty details here.
Even if you’re insured, you still need to be able to show proof. If you’re unsure what happens when you can’t produce proof at the roadside, see how much a ticket for no proof of insurance can cost.
If you cause a crash while uninsured, costs can escalate quickly (repairs, medical bills, lawsuits, and license consequences). If you’re in that situation, read what happens after an accident without insurance.
A DUI typically pushes you into a high-risk rating tier for multiple years. Some carriers may surcharge heavily, require SR-22 filings, or decline coverage depending on severity and prior history.
If you’re comparing quotes after a DUI, focus on companies known for writing a wide range of risk profiles (and consider working with an independent agent). For context on what to expect, see how much insurance can go up after a DUI. And keep in mind that insurers can sometimes deny coverage depending on the situation.
One at-fault accident can raise your premium at renewal—sometimes sharply. Many drivers find that the best way to control the damage is to shop around at renewal instead of staying loyal to a single carrier.
If you want a baseline for what “good” pricing looks like, see what a clean driving record can do for your rates. And if you’re unclear how fault affects claims and premiums, read what happens when you’re at fault in an accident.
One minor ticket might not move the needle much, but multiple tickets (or a serious speeding charge) can raise rates and shrink your options. If you’re worried about pricing, start by learning how much a single speeding ticket can increase your rates, then shop around—especially if you’re stacking violations.
If you’ve got multiple tickets and need a game plan, see our guide on finding cheap auto insurance even with a speeding ticket.
Young drivers usually pay the most per year for coverage because insurers price them as higher risk. The fastest ways to reduce the hit are to compare quotes, use every discount available, and structure the policy intelligently (right deductibles, right vehicle, right coverage).
For a deeper comparison strategy, see our guide to the cheapest car insurance for young drivers.
Many insurers use a credit-based insurance score when pricing policies. That means two drivers with identical driving records can pay very different rates based on credit factors.
If you’re trying to understand what insurers are looking at, start with what a car insurance score is and how credit score can affect car insurance rates. Practical tip: once your credit improves, ask your insurer to rerun your rating (or shop quotes again)—it can materially change pricing.
An SR-22 is not a special type of insurance. It’s a form your insurer files to prove you’re carrying the required coverage. Utah may require an SR-22 after certain violations (including driving without insurance), and the state can require proof to be maintained for years.
Most drivers who need an SR-22 have to keep it on file for an extended period. Learn more about how long an SR-22 lasts, and if you’re shopping in a hurry, start with our guide to finding cheap SR-22 insurance.
The “best” car insurance in Utah is the policy that gives you the right protection at a price you can actually live with. The only reliable way to find it is to compare multiple quotes using the same coverage levels, then choose the insurer that balances price, claims experience, and discounts.
If you haven’t shopped in the last 6–12 months—or if your life changed (new car, move, ticket, marriage, teen driver)—it’s worth comparing quotes again. Even small changes can unlock big savings.
