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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.

Utah Car Insurance Requirements
Average Car Insurance Rates in Utah
Car Insurance Companies in Utah

Utah car insurance requirements

Utah state law requires the following minimum car insurance coverage:
Minimum bodily injury liability$25,000/$65,000
Minimum property damage liability$15,000
Personal injury protection$3,000

What you need to know about car insurance in Utah

Penny Gusner
Consumer Analyst

Utah Car Insurance Laws

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.

Largest car insurance companies for Utah by market share

RankCompany / GroupDirect Premiums Written ($)Market Share (%)
1State Farm Group231,24816.64
2Farmers Insurance Group176,13312.67
3Allstate Insurance Group168,36812.11
4Progressive Insurance Group103,0467.41
5Berkshire Hathaway Insurance97,8637.04
6Bear River Mutual Insurance Company69,8595.03
7Amer Family Insurance Group65,8294.74
8USAA Group61,5034.43
9Liberty Mutual Insurance Companies56,6414.08
10Nationwide Group52,2873.76
Source: A.M. Best market share rankings are based on direct premiums written in 2013.