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.
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 $400 and your license and registration may be suspended.
Electronic proof of insurance: Utah allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.
Largest car insurance companies for Utah by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
State Farm Group
Farmers Insurance Group
Allstate Insurance Group
Progressive Insurance Group
Berkshire Hathaway Insurance
Bear River Mutual Insurance Company
Amer Family Insurance Group
Liberty Mutual Insurance Companies
Source: A.M. Best market share rankings are based on direct premiums written in 2013.