Comparing auto insurance in Utah is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Utah pricing is shaped by required no-fault PIP, fast growth along the Wasatch Front, Salt Lake City and Utah County commuting, I-15 corridor congestion, canyon and mountain driving, winter weather, wildfire and smoke exposure, drought, flash flooding, and rural highway conditions. NOAA lists 25 billion-dollar weather and climate disaster events affecting Utah from 1980 through 2024, including 12 drought events, 10 wildfire events, 1 flooding event, 1 freeze event, and 1 severe storm event.
Utah premiums can vary between Salt Lake City, West Valley City, Provo, Orem, Ogden, Layton, St. George, Logan, Park City, Moab, Wasatch Front suburbs, mountain communities, college towns, rural counties, and southern desert areas because traffic density, commute mileage, garaging ZIP code, winter-road exposure, wildfire and flood risk, theft risk, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
30/65/25 + $3k PIP
$30,000 bodily injury liability per person, $65,000 bodily injury liability for two or more people, $25,000 property damage liability, and $3,000 personal injury protection
No Fault
Required
Utah requires personal injury protection as part of its no-fault auto insurance system. Utah Insurance Department explains that the first $3,000 in medical expenses for each injured person is covered by the policy’s PIP before a bodily injury claim is pursued against the responsible driver’s insurer.
Offer/Rejection Rule
Utah drivers are not required to keep UM/UIM coverage if it is properly rejected or selected lower as allowed by law. Utah law allows uninsured motorist coverage to be rejected by express written rejection, and underinsured motorist coverage generally follows liability limits unless the named insured rejects it or selects lower limits on the required acknowledgment form.
Source: Utah Insurance Department
Recent rate data estimates Utah annual auto insurance premiums at about $2,297 for full coverage and $867 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,297/yr |
| Clean record, 35, minimum required coverage | ~$867/yr |
NerdWallet June 2026 Utah average annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, PIP selection, UM/UIM selection or rejection, discounts, claims history, prior insurance, and carrier.
Utah minimum coverage focuses on required protection such as $30,000 bodily injury liability per person, $65,000 bodily injury liability for two or more people, $25,000 property damage liability, and $3,000 personal injury protection. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Utah uses SR-22 filings in some financial responsibility, no-insurance, uninsured-accident, court-ordered, and reinstatement situations. Utah Driver License Division says a conviction for driving without insurance or without proof of insurance requires license suspension and an SR-22 filing, and that SR-22 is typically required for three years from the date of conviction unless the official notice specifies a different period.
Utah Driver License Division and DMV guidance reviewed for this page refers to SR-22 proof of financial responsibility, not FR-44. Do not publish FR-44 as a standard Utah requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Utah auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Utah drivers, including:
Utah drivers should ask about discounts for multiple vehicles, driver education courses, good students, airbags or other safety equipment, anti-theft devices, low mileage, good driver or renewal status, auto/home bundling, telematics, paperless billing, automatic payments, and pay-in-full billing. Utah Insurance Department specifically tells drivers to ask agents about discounts and lists multiple vehicles, driver education, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, and auto/home package discounts.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | Progressive Group | 20.59% |
| 2 | State Farm Group | 14.83% |
| 3 | Allstate Insurance Group | 11.22% |
| 4 | Berkshire Hathaway Group | 7.95% |
| 5 | Bear River Mutual Insurance Company | 6.16% |
| 6 | Farmers Insurance Group | 6.07% |
| 7 | United Services Automobile Association Group | 4.69% |
| 8 | Liberty Mutual Group | 3.96% |
| 9 | American Family Insurance Group | 3.49% |
| 10 | Auto-Owners Group | 3.02% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Utah private passenger auto liability group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Utah cities:
The estimated average cost of car insurance in Utah is $2,297 per year for full coverage and $867 per year for minimum required coverage, based on NerdWallet’s June 2026 Utah rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, PIP selection, UM/UIM selection or rejection, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Utah requires at least 30/65/25 liability coverage: $30,000 bodily injury liability per person, $65,000 bodily injury liability for two or more people, and $25,000 property damage liability. Utah also requires personal injury protection, with the first $3,000 in medical expenses handled through PIP.
PIP is required in Utah as part of the state’s no-fault insurance system. UM/UIM coverage is not required to keep if properly rejected or selected lower as allowed by law, but Utah policies have important offer and rejection rules, so drivers should review any UM/UIM waiver carefully before signing.
Utah may require an SR-22 filing in certain no-insurance, financial responsibility, uninsured-accident, court-ordered, and reinstatement situations. An SR-22 is not a separate insurance policy; it is proof that required coverage is in place and maintained for the required period.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Utah drivers can compare quotes, maintain continuous coverage, ask about multi-car, driver-education, good-student, safe-driver, renewal, low-mileage, anti-theft, safety-feature, bundling, telematics, paperless billing, and payment-related discounts, and review deductibles before renewal.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
