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