Car Insurance Quotes
Utah Car Insurance
Salt Lake City drivers pay Utah's highest state car insurance rates, and motorists down near the Arizona border pay the least. You can find every ZIP code in Utah mapped out below. Desert or mountain, you'll find the cheapest insurance carriers charging half as much as the most expensive do. To see the difference in rates among insurers, enter your ZIP code, age and coverage level.
Cheap car insurance in Utah
Utah car insurance requirements
| Minimum bodily injury liability | $25,000/$65,000 |
| Minimum property damage liability | $15,000 |
| Personal injury protection | $3,000 |
Recommended car insurance coverage
The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.
Use our How Much Car Insurance Do You Need? tool to get a recommendation.
Liability
We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:
- less than $50,000, choose at least 50/100/50
- between $50,000 and $100,000, choose at least 100/300/100
- more than $100,000, choose at least 250/500/100
If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.
Collision and comprehensive
Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:
- less than 10 years old, you should strongly consider buying collision and comprehensive.
- more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.
For drivers in Utah, collision costs an average of $417 yearly, comprehensive is $106, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.
Medical coverage (MedPay)
Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:
- Covers you and your passengers’ medical expenses
- Pays for expenses after health insurance limits are exceeded
- Offers additional protection to insured drivers who are hit by a car while walking or biking
If you and your passengers:
- Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
- Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.
Gap insurance
If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.
- If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
- If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
- If you own your car outright, you don’t need gap insurance.
| Coverage limits | Average annual rate |
|---|---|
| Liability Only - state minimum | $531 |
| Liability Only - 50/100/50 BI/PD | $545 |
| Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible | $1,199 |
*The table shows the average annual rate of nearly every ZIP code in Utah from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.
Cheapest car insurance in Utah by company
Below you'll see average annual rates for Utah, ranked cheapest to most expensive, for three coverage levels:
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
| Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
|---|---|---|---|
| Allied Prop & Cas Ins Co | $549 | $536 | $1,119 |
| Allstate Fire & Cas Ins Co | $618 | $569 | $1,353 |
| Geico Cas Co | $318 | $329 | $684 |
| Mid Century Ins Co | $477 | $491 | $1,016 |
| Progressive Classic Ins Co | $613 | $645 | $1,503 |
| State Farm Mut Auto Ins Co | $611 | $697 | $1,518 |
Low cost auto insurance for Utah drivers with recent accidents
Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Utah driver with a full coverage policy:
| Company | 1 At-fault property damage accident over $2K | 2 At-fault property damage accident over $2k | At-fault bodily injury accident |
|---|---|---|---|
| Allied P&C | $2,378 | $3,244 | $2,378 |
| Allstate F&C | $2,132 | $2,695 | $2,132 |
| GEICO Cas | $977 | $1,719 | $854 |
| GEICO General | $1,016 | $1,723 | $1,016 |
| Mid-Century Ins Co | $1,796 | $2,269 | $1,796 |
| Progressive Classic | $1,723 | $3,425 | $1,723 |
| State Farm Mutual Auto | $1,868 | $2,514 | $1,868 |
Who has the cheapest Utah car insurance for drivers with speeding tickets?
If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,035, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.
| Company | Average Rate |
|---|---|
| GEICO Cas | $851 |
| GEICO General | $922 |
| State Farm Mutual Auto | $1,464 |
| Mid-Century Ins Co | $1,591 |
| Allied P&C | $1,636 |
| Allstate F&C | $1,672 |
| Progressive Classic | $1,886 |
How much does it cost to add a teen to your policy in Utah?
No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Utah, you can expect your rate to go up by an average of 168 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Utah, and how major insurers compare on price. GEICO Cas had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.
| Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
|---|---|---|---|---|---|
| Allied P&C | $1,349 | $2,532 | $1,183 | $3,042 | $1,693 |
| Allstate F&C | $1,506 | $3,003 | $1,497 | $3,537 | $2,030 |
| GEICO Cas | $693 | $1,599 | $906 | $1,729 | $1,036 |
| GEICO General | $922 | $1,588 | $666 | $1,963 | $1,041 |
| Mid-Century Ins Co | $1,269 | $3,004 | $1,734 | $3,036 | $1,766 |
| Progressive Classic | $1,403 | $3,664 | $2,261 | $4,117 | $2,715 |
| State Farm Mutual Auto | $1,343 | $4,241 | $2,898 | $5,280 | $3,936 |
Cheapest Utah auto insurance for young drivers: Ages 18 to 25
Enter an age from 18 to 25 to see who has the best rates for young drivers in Utah, by company. You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.
Senior drivers: Cheap auto insurance for Utah drivers age 65 to 85
Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.
Car insurance for Utah drivers with bad credit
Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Utah ranks 5th among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in Utah with bad credit pay 91 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $2,427 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.
| Company | Poor credit |
|---|---|
| GEICO General | $1,410 |
| GEICO Cas | $1,569 |
| Allied P&C | $1,922 |
| Mid-Century Ins Co | $2,300 |
| Progressive Classic | $2,543 |
| Allstate F&C | $2,634 |
| State Farm Mutual Auto | $3,837 |
Best car insurance companies in Utah
Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Companies not in the top 10 of market share do not qualify. All scores are out of 100.
| Rank | Company | Score |
|---|---|---|
| 1 | Allstate | 90.63 |
| 2 | Liberty Mutual | 90.49 |
| 3 | USAA | 88.82 |
| 4 | Auto Club of Southern California (Auto Club Enterprise Insurance Group) | 88.18 |
| 5 | American Family | 87.76 |
| 6 | Geico | 86.85 |
| 7 | The General | 86.39 |
| 8 | Safeco | 86.30 |
| 9 | State Farm | 86.16 |
| 10 | Progressive | 85.42 |
| 11 | Metlife | 85.16 |
| 12 | CSAA Insurance Group | 84.12 |
| 13 | Farmers | 80.45 |
| 14 | Esurance | 80.26 |
| 15 | Hartford | 78.75 |
| 16 | Nationwide | 77.28 |
| 17 | Travelers | 75.76 |
Largest car insurance companies in Utah
| Rank | Company | Premiums Written | Market Share |
|---|---|---|---|
| 1 | State Farm Group | 323,026 | 16.71% |
| 2 | Allstate Insurance Group | 217,324 | 11.24% |
| 3 | Farmers Insurance Group | 183,973 | 9.52% |
| 4 | Berkshire Hathaway Insurance Group | 169,933 | 8.79% |
| 5 | Progressive Insurance Group | 160,684 | 8.31% |
| 6 | USAA Group | 91,547 | 4.74% |
| 7 | American Family Insurance Group | 87,583 | 4.53% |
| 8 | Liberty Mutual Insurance Companies | 86,034 | 4.45% |
| 9 | Nationwide Group | 52,126 | 2.70% |
| 10 | Travelers Group | 28,706 | 1.48% |
Source: A.M. Best; State/Line (P/C Lines) - P/C, US; Data as of:November 28, 2018
Utah Car Insurance Laws
| Roads | Number of Fatal Accidents |
|---|---|
| I-15 | 26 |
| US-89 | 23 |
| SR-68 | 10 |
| US-40 | 9 |
| I-70 | 9 |
| US-91 | 7 |
| SR-56 | 7 |
| SR-36 | 6 |
| SR-18 | 6 |
| US-191 | 5 |
Utah's no-fault insurance system requires that every driver buy $3,000 in personal injury protection to pay for immediate treatment after a car accident, regardless of who caused the crash.
Medical bills beyond that amount and damage to cars are handled by state-mandated liability insurance. Utah's bodily liability insurance requirements of $25,000 per person ($65,000 per accident) and $15,000 for property damage are about average compared with those in other states, but families with savings or a home to protect should consider raising those amounts.
The points system: Like many states, Utah uses a driver's license point system to keep problem drivers off the road. But unlike others, it assigns double-digits points for routine traffic violations. Improper passing is 50 points; following too closely is 60. But don't worry: It takes 200 points to lose your license.
The self-cleaning driving record: A full year without a moving violation removes half the accumulated points from your Utah driving record. Stay clean for two years and all the points are deleted. Once every three years, you can take a defensive driving class and remove 50 points.
Points for individual convictions expire in three years, even if you don't take the steps above.
Utah uninsured motorist penalties: You may be fined $400 and your license and registration may be suspended.
Electronic proof of insurance: Utah allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.
Average annual car insurance rates for major cities in Utah
Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.
| City | Average Premium |
|---|---|
| Orem | $1,217 |
| Provo | $1,173 |
| Salt Lake City | $1,129 |
| Sandy | $1,182 |
| West Jordan | $1,240 |
| Utah | $1,145 |
| National | $1,679 |