Utah Car Insurance

Whether you and your friends are heading out to hike in one of Utah’s five national parks or you’re commuting into Provo for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help make coverage even more affordable.

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What is the average cost of car insurance in Utah?

Utah drivers paid an average of $1,029 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Utah?

A car insurance policy with a minimum amount of liability and personal injury protection coverage is required in Utah. However, minimum coverage may not be the full extent of coverage you want.

As of February 2023, 25/65/15 liability coverage limits are the minimum required in Utah.

COVERAGE TYPE

UTAH MINIMUM REQUIREMENTS

Bodily injury liability

$25,000 per person; $65,000 per accident

Property damage liability

$15,000 per accident

Personal injury protection

$3,000 per accident

COVERAGE TYPE

Bodily injury liability

UTAH MINIMUM REQUIREMENTS

$25,000 per person; $65,000 per accident

COVERAGE TYPE

Property damage liability

UTAH MINIMUM REQUIREMENTS

$15,000 per accident

COVERAGE TYPE

Personal injury protection

UTAH MINIMUM REQUIREMENTS

$3,000 per accident

What does car insurance typically cover in Utah?

A typical car insurance policy in Utah includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Read more about Smart Plan Auto coverage options in Utah.

Utah car insurance discounts

Farmers offers a variety of discounts for drivers in Utah. For example:

  • Multi-vehicle
  • Multi-policy
  • Youthful driver

See more information about additional discounts that may be available in Utah.

Bryce Canyon

Daylight reveals stunning rock formations called hoodoos, but Bryce’s nighttime skies are even more phenomenal. On a clear night, more than a billion stars are visible to the naked eye. — National Park Service


More coverage options in Utah

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Utah home insurance

Learn more about what home insurance in Utah covers, available discounts and more.

View home insurance coverage details and discounts for Utah

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Utah renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Utah

Learn From Experience

Still have questions about cars and car insurance in Utah? We have answers.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.  

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.