Budget Coverage Info
Get a Quote

Utah Auto Insurance: Rates, Minimums & Requirements

Utah requires 25/65/15 liability coverage — $25,000 per person, $65,000 per accident for bodily injury, $15,000 for property damage — plus $3,000 in personal injury protection. Cost-conscious drivers with older vehicles pay $45–$75/month for state minimum coverage, while full coverage on financed cars averages $160–$210/month.

Traffic accident with white car and overturned dark SUV on city street with apartment buildings in background

Updated March 2026

State Requirements

Utah operates as a no-fault state with mandatory personal injury protection (PIP), which pays your medical bills regardless of fault. All drivers must carry proof of financial responsibility and file SR-22 certificates after certain violations. The Utah Department of Insurance enforces these requirements through a real-time electronic verification system that flags uninsured vehicles.

Cost Overview

Utah's average auto insurance costs sit slightly below the national median, driven by lower claim frequency in rural areas and younger driver demographics. Rates vary sharply between urban Wasatch Front ZIP codes and rural regions — Salt Lake County drivers pay 30–45% more than residents in Cache or Iron counties due to accident density and theft rates.

Minimum Coverage
State-required 25/65/15 liability plus $3,000 PIP. Does not cover your vehicle damage or theft. Best for older cars worth under $3,000 where repair costs exceed the vehicle's value.
Standard Coverage
Increased liability to 100/300/50, higher PIP limits, and uninsured motorist. Still excludes collision and comprehensive — your vehicle damage remains out-of-pocket.
Full Coverage
Adds collision and comprehensive with $500–$1,000 deductibles. Required by lenders on financed vehicles. Cost-justified only if your car's value exceeds $5,000–$6,000 and you cannot afford sudden replacement.

What Affects Your Rate

  • Age under 25 increases minimum coverage premiums 60–85% — a 19-year-old in Provo pays $95–$140/month versus $50–$65 for a 40-year-old driver with the same record.
  • DUI or reckless driving conviction triggers SR-22 filing requirement, adding $25–$40/month to your base premium for three years through high-risk insurers.
  • ZIP code swing: 84101 (downtown Salt Lake City) averages $75–$105/month for minimum coverage versus $45–$60 in 84321 (Logan) due to accident frequency and auto theft rates.
  • Credit score impact: drivers with poor credit pay 50–70% more in Utah — minimum coverage jumps from $55/month to $90–$95/month with scores below 600.
  • Vehicle age has minimal effect on liability-only policies — a 2005 Honda Civic and a 2010 Toyota Camry cost nearly the same for minimum coverage, differing by only $3–$7/month.
  • Multi-policy discount: bundling renters insurance ($12–$18/month) reduces auto premiums by 8–15%, often saving $8–$12/month on minimum coverage.

Compare Auto Insurance Rates in Utah

Coverage Options

Find Your City in Utah

Salt Lake City, Utah cityscape and street view

Salt Lake City

urban
West Valley City, Utah cityscape and street view

West Valley City

suburban
West Jordan, Utah cityscape and street view

West Jordan

suburban
Provo, Utah cityscape and street view

Provo

suburban
American flag flying over small town with snow-capped mountains in background and autumn trees below

Sandy

suburban
Desert landscape with red sandstone formations and layered cliffs under blue sky

St. George

urban
Snow-capped mountains behind a reflective salt flat under dramatic cloudy sky in desert landscape

Ogden

urban
Aerial view of white Mormon temple with twin spires at sunset, surrounded by parking lots and residential area

Layton

suburban

Frequently Asked Questions

Sources

  • Utah Insurance Department – insurance.utah.gov/coverages-and-claims/auto-insurance
  • Utah Code Title 31A Chapter 22 – Motor Vehicle Insurance Coverage Requirements
  • Utah Department of Public Safety – Uninsured Motorist Statistics (2023 Report)

Get Your Free Quote in Utah