Why Compare Car Insurance Rates in Utah:
Utah residents should think about their coverage needs, budget, car, credit rating, and driving record while searching for the right auto insurance in Utah. Utah has been named the eighth safest state for driving and has the second-lowest rate of drunk driving deaths in the country. When comparing the average cost of car insurance quotes in Utah with the other states, the former comes out on top. The total cost of limited coverage is $354, and the maximum coverage is $1281. Even, that is a significant sum of money, so finding cheap car insurance in Utah is frequently a top priority.
Even though Utah roads are safer than those in other states, you must have sufficient car insurance before you begin driving. Shopping around, comparing car insurance quotes before buying a car, understanding the options of bundling or staying with the same insurer, understanding the impact of credit history, and asking an employer or the insurance company about group insurance are all things to consider when looking for affordable auto insurance in Utah. It would be best if you also found the most appropriate cheap car insurance in Utah.
An auto insurance policy in Utah must provide both property damage and bodily injury coverage. If you're held criminally responsible for a covered accident, collateral damage compensation protects your properties and covers any damage to other people's property or cars.
If you're held criminally liable for a covered accident, bodily injury compensation protects your properties and pays for damages related to bodily damage to others.
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 |
| Bodily Injury Liability Coverage (per accident) | $65000 |
| Property Damage Liability | $15,000 |
Utah drivers should evaluate not only a company's average prices but also its coverage and discount options, financial strength scores, and customer service evaluations while looking for the best auto insurance.
To assist you in your quest for affordable car insurance, Way.com has studied Utah's major auto insurance firms by market share.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Bear River Mutual | $608 |
| USAA | $658 |
| Esurance | $804 |
| MetLife | $871 |
| Nationwide | $433 |
| Progressive | $495 |
| State Farm | $510 |
| Auto Owners Insurance | $440 |
| Allstate | $670 |
| Farmers Insurance | $620 |
| American Family Insurance | $595 |
| Kemper | $850 |
| Iowa Farm Bureau | $565 |
Carrying extra insurance than the legal minimum is suggested if you can afford it. Consider how much coverage you'll require when you'll need it most. Families should consult with their insurance agent or company representative to establish the appropriate amount for each family member.
The average cost of the cheapest auto insurance in Utah is $483 a year for the state-required minimum liability insurance and $1290 for maximum coverage. It costs more than the national average of $1738 for auto insurance.
Residents in Utah looking for the most affordable full coverage auto insurance policy should begin their search with Bear River Mutual, the most cost-effective organization.
Auto-Owners has the cheapest car insurance rates for a driver found speeding, at $660 per year for a full-coverage policy.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Bear River Mutual | $660 |
| USAA | $693 |
| Nationwide | $735 |
| Statewide Average | $1,179 |
| Progressive | $985 |
| State Farm | $990 |
| Auto Owners Insurance | $785 |
| Allstate | $1,060 |
| Farmers Insurance | $1,104 |
| American Family Insurance | $900 |
Unfortunately, inexperience comes at a price for young drivers. Insurers view new and young drivers as hazardous investments because they are most likely to be involved in a car accident. When compared to a 30-year-old, the average 18-year-old in Utah spends more than three times the cost of a minimum-coverage policy.
| COMPANY | 17-YEAR-OLD FEMALE | 17-YEAR-OLD MALE |
|---|---|---|
| Allstate | $4554 | $5,075 |
| American Family Insurance | $4,630 | $5,380 |
| Auto Owners Insurance | $2545 | $3224 |
| Bear River Mutual | $1,063 | $1,666 |
| Farmers Insurance | $2335 | $7,460 |
| Nationwide | $2930 | $3575 |
| Progressive | $7135 | $7789 |
| State Farm | $2150 | $3713 |
| USAA | $2,805 | $3,253 |
| Statewide Average | $4,167 | $4,831 |
| Kemper | $5940 | $8270 |
Bear River Mutual has the cheapest car insurance rates for a driver found speeding, at $683 per year for a full-coverage policy. USAA, the second-cheapest choice, costs $196 per year more.
Auto-Owners has the lowest rates for 18-year-old drivers in Utah by a wide margin. It is at least 26% less than the next most economical option. Its rates are significantly lower than those offered by USAA, which isn't available to most drivers.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Bear River Mutual | $683 |
| USAA | $879 |
| The General | $1,072 |
| Nationwide | $860 |
| Statewide Average | $1,423 |
| State Farm | $1,488 |
| Esurance | $1,500 |
| Progressive | $1,270 |
| Allstate | $1,230 |
| Auto Owners Insurance | $1,030 |
| American Family Insurance | $1,096 |
| MetLife | $1,954 |
| Farmers Insurance | $1,450 |
| Kemper | $2120 |
| Iowa Farm Bureau | $1,260 |
After an at-fault accident, Bear River Mutual is the lowest insurance carrier in Utah. Bear River Mutual's annual rate of $727 is $816 less than the state average. An accident on your driving record shows to insurance that you drive dangerously.
If you have a car accident, most insurance companies will raise your premium by 54% on average in Utah. The lowest choice is Bear River Mutual, which only raises premiums by 19 percent after an at-fault collision.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Bear River Mutual | $727 |
| USAA | $1,021 |
| State Farm | $1,190 |
| Statewide Average | $1,718 |
| Nationwide | $1,248 |
| Allstate | $1,480 |
| American Family Insurance | $900 |
| Esurance | $2,043 |
| Auto Owners Insurance | $1280 |
| Farmers Insurance | $1786 |
| Progressive | $1575 |
| MetLife | $2,546 |
| Kemper | $2500 |
| Iowa Farm Bureau | $1,585 |
Bear River Mutual and State Farm offer the best rates if you have a prior DUI on your record. DUIs in Utah can nearly quadruple your insurance cost, depending on the carrier. It's critical to check prices from multiple firms to keep this enormous price increase to a minimum.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Bear River Mutual | $683 |
| USAA | $1,280 |
| Progressive | $1,120 |
| State Farm | $1,079 |
| Esurance | $1,559 |
| Statewide Average | $1,834 |
| American Family Insurance | $1,096 |
| Allstate | $1,495 |
| Farmers Insurance | $1590 |
| Nationwide | $1535 |
| MetLife | $3,264 |
| Auto Owners Insurance | $2195 |
| Kemper | $1865 |
| Iowa Farm Bureau | $2,403 |
If you're a married driver in Utah, Progressive offers the most affordable full-coverage insurance. The firm lowers the charge by $1277 per year for married drivers. Single drivers usually pay slightly lower rates than married drivers, and married drivers spend 6% less per year on car insurance on average.
| Company | Annual Rate |
|---|---|
| Progressive | $1,277 |
| Auto-Owners | $1,337 |
| Farm Bureau | $1,469 |
| State Farm | $1,577 |
| American Family | $1,769 |
| Allstate | $1,973 |
| Farmers | $2,489 |
| USAA | $965 |
After an accident, eighteen-year-olds should look into Farm Bureau for the best prices. The company's average annual fee is $2469, 34% less than the state average.
Young drivers who have been in an accident may find it challenging to find inexpensive car insurance. This emphasizes the importance of comparing rates from several companies.
| Company | Annual rate |
|---|---|
| Farm Bureau | $2469 |
| State Farm | $2982 |
| Allstate | $3426 |
| Auto-Owners | $3591 |
Depending on where you reside, various factors such as road quality, auto theft rates, and traffic density might affect your insurance premiums.
The average cost of insurance in Utah is $479 per year.
| City | Averal Annual Cost |
|---|---|
| Alpine | $1,805 |
| Altamont | $1,685 |
| Alton | $1,601 |
| Altonah | $1,685 |
| American Fork | $1,793 |
| Aneth | $1,601 |
| Annabella | $1,601 |
| Antimony | $1,625 |
| Aurora | $1,601 |
| Axtell | $1,589 |
| Ballard | $1,661 |
| Bear River City | $1,793 |
| Beaver | $1,613 |
| Benjamin | $1,733 |
| Benson | $1,577 |
| Beryl | $1,613 |
| Bicknell | $1,613 |
| Bingham Canyon | $1,805 |
| Blanding | $1,601 |
| Bluebell | $1,673 |
| Bluff | $1,625 |
| Bluffdale | $1,817 |
| Bonanza | $1,697 |
| Boulder | $1,577 |
| Bountiful | $1,745 |
| Brian Head | $1,577 |
| Brigham City | $1,601 |
| Bryce | $1,625 |
| Cache Junction | $1,625 |
| Cannonville | $1,613 |
| Carbonville | $1,577 |
| Castle Dale | $1,589 |
| Cedar City | $1,565 |
| Cedar Hills | $1,817 |
| Cedar Valley | $1,781 |
| Centerfield | $1,589 |
| Centerville | $1,685 |
| Central | $1,625 |
| Chester | $1,649 |
| Circleville | $1,613 |
| Cisco | $1,565 |
| Clarkston | $1,625 |
| Clawson | $1,613 |
| Clearfield | $1,709 |
| Cleveland | $1,613 |
| Clinton | $1,697 |
| Coalville | $1,697 |
| Collinston | $1,637 |
| Copperton | $1,793 |
| Corinne | $1,661 |
| Cornish | $1,625 |
| Cottonwood Heights | $1,865 |
| Croydon | $1,709 |
| Dammeron Valley | $1,625 |
| Delta | $1,565 |
| Deweyville | $1,649 |
| Draper | $1,817 |
| Duchesne | $1,685 |
| Duck Creek Village | $1,601 |
| Dugway | $1,709 |
| Dutch John | $1,685 |
| Eagle Mountain | $1,817 |
| East Carbon | $1,625 |
| Echo | $1,685 |
| Eden | $1,709 |
| Elberta | $1,745 |
| Elk Ridge | $1,733 |
| Elmo | $1,613 |
| Elsinore | $1,577 |
| Emery | $1,589 |
| Emigration Canyon | $1,817 |
| Enoch | $1,565 |
| Enterprise | $1,661 |
| Ephraim | $1,637 |
| Erda | $1,697 |
| Escalante | $1,625 |
| Eureka | $1,625 |
| Fairview | $1,709 |
| Farmington | $1,685 |
| Farr West | $1,769 |
| Fayette | $1,613 |
| Ferron | $1,589 |
| Fielding | $1,661 |
| Fillmore | $1,601 |
| Fort Duchesne | $1,673 |
| Fountain Green | $1,661 |
| Fruit Heights | $1,673 |
| Fruitland | $1,709 |
| Garden | $1,625 |
| Garden City | $1,625 |
| Garland | $1,649 |
| Garrison | $1,613 |
| Genola | $1,685 |
| Glendale | $1,613 |
| Glenwood | $1,601 |
| Goshen | $1,709 |
| Grantsville | $1,673 |
| Green River | $1,553 |
| Greenville | $1,613 |
| Greenwich | $1,613 |
| Grouse Creek | $1,661 |
| Gunlock | $1,637 |
| Gunnison | $1,613 |
| Hanksville | $1,589 |
| Hanna | $1,697 |
| Harrisville | $1,745 |
| Hatch | $1,625 |
| Heber | $1,745 |
| Heber City | $1,733 |
| Helper | $1,601 |
| Henefer | $1,685 |
| Henrieville | $1,613 |
| Herriman | $1,805 |
| Highland | $1,805 |
| Hildale | $1,613 |
| Hill Air Force Base | $1,733 |
| Hinckley | $1,589 |
| Holden | $1,577 |
| Holladay | $1,889 |
| Honeyville | $1,649 |
| Hooper | $1,697 |
| Howell | $1,685 |
| Huntington | $1,601 |
| Huntsville | $1,733 |
| Hurricane | $1,577 |
| Hyde Park | $1,589 |
| Hyrum | $1,625 |
| Ibapah | $1,673 |
| Ivins | $1,625 |
| Jensen | $1,709 |
| Joseph | $1,589 |
| Junction | $1,613 |
| Kamas | $1,721 |
| Kanab | $1,577 |
| Kanarraville | $1,565 |
| Kanosh | $1,625 |
| Kaysville | $1,661 |
| Kearns | $2,009 |
| Kenilworth | $1,625 |
| Kingston | $1,613 |
| Koosharem | $1,601 |
| La Sal | $1,613 |
| La Verkin | $1,589 |
| Lake Powell | $1,613 |
| Lake Shore | $1,769 |
| Laketown | $1,625 |
| Lapoint | $1,661 |
| Layton | $1,697 |
| Leamington | $1,589 |
| Leeds | $1,589 |
| Lehi | $1,757 |
| Levan | $1,649 |
| Lewiston | $1,637 |
| Lindon | $1,829 |
| Loa | $1,649 |
| Logan | $1,565 |
| Lyman | $1,613 |
| Lynndyl | $1,589 |
| Maeser | $1,673 |
| Magna | $1,973 |
| Manila | $1,685 |
| Manti | $1,661 |
| Mantua | $1,613 |
| Mapleton | $1,805 |
| Marion | $1,721 |
| Marriott-Slaterville | $1,781 |
| Marysvale | $1,613 |
| Mayfield | $1,613 |
| Meadow | $1,601 |
| Mendon | $1,589 |
| Mexican Hat | $1,625 |
| Midvale | $1,865 |
| Midway | $1,733 |
| Milford | $1,625 |
| Millcreek | $1,901 |
| Millville | $1,613 |
| Minersville | $1,625 |
| Moab | $1,541 |
| Modena | $1,601 |
| Mona | $1,589 |
| Monroe | $1,589 |
| Montezuma Creek | $1,625 |
| Monticello | $1,613 |
| Monument Valley | $1,637 |
| Morgan | $1,685 |
| Moroni | $1,673 |
| Mount Carmel | $1,613 |
| Mount Pleasant | $1,673 |
| Mountain Green | $1,685 |
| Mountain Home | $1,697 |
| Murray | $1,925 |
| Myton | $1,685 |
| Naples | $1,673 |
| Neola | $1,685 |
| Nephi | $1,589 |
| New Harmony | $1,577 |
| Newcastle | $1,637 |
| Newton | $1,793 |
| Nibley | $1,577 |
| North Logan | $1,553 |
| North Ogden | $1,721 |
| North Salt Lake | $1,781 |
| Oak City | $1,565 |
| Oakley | $1,733 |
| Ogden | $1,745 |
| Orangeville | $1,613 |
| Orderville | $1,625 |
| Orem | $1,865 |
| Palmyra | $1,781 |
| Panguitch | $1,673 |
| Paradise | $1,613 |
| Paragonah | $1,613 |
| Park City | $1,709 |
| Park Valley | $1,685 |
| Parowan | $1,589 |
| Payson | $1,721 |
| Peoa | $1,697 |
| Perry | $1,601 |
| Pine Valley | $1,601 |
| Plain City | $1,769 |
| Pleasant Grove | $1,829 |
| Pleasant View | $1,745 |
| Plymouth | $1,661 |
| Portage | $1,649 |
| Price | $1,577 |
| Providence | $1,577 |
| Provo | $1,817 |
| Randlett | $1,685 |
| Randolph | $1,685 |
| Redmond | $1,601 |
| Richfield | $1,589 |
| Richmond | $1,625 |
| River Heights | $1,577 |
| Riverdale | $1,709 |
| Riverside | $1,661 |
| Riverton | $1,817 |
| Rockville | $1,601 |
| Roosevelt | $1,673 |
| Roy | $1,721 |
| Rush Valley | $1,685 |
| Salem | $1,721 |
| Salina | $1,589 |
| Salt Lake City | $1,925 |
| Sandy | $1,829 |
| Santa Clara | $1,613 |
| Santaquin | $1,685 |
| Saratoga Springs | $1,769 |
| Scipio | $1,745 |
| Sevier | $1,589 |
| Sigurd | $1,601 |
| Silver Summit | $1,721 |
| Smithfield | $1,613 |
| Snowville | $1,649 |
| Snyderville | $1,721 |
| South Jordan | $1,829 |
| South Ogden | $1,709 |
| South Salt Lake | $1,973 |
| South Weber | $1,709 |
| Spanish Fork | $1,769 |
| Spring City | $1,661 |
| Springdale | $1,589 |
| Springville | $1,805 |
| St. George | $1,601 |
| Stansbury Park | $1,697 |
| Sterling | $1,649 |
| Stockton | $1,709 |
| Summit | $1,589 |
| Summit Park | $1,721 |
| Sunnyside | $1,601 |
| Sunset | $1,697 |
| Syracuse | $1,697 |
| Tabiona | $1,721 |
| Talmage | $1,697 |
| Taylorsville | $1,985 |
| Teasdale | $1,601 |
| Thompson | $1,553 |
| Tooele | $1,697 |
| Toquerville | $1,601 |
| Torrey | $1,601 |
| Tremonton | $1,661 |
| Trenton | $1,613 |
| Tridell | $1,673 |
| Tropic | $1,601 |
| Uintah | $1,709 |
| Vernal | $1,673 |
| Vernon | $1,697 |
| Veyo | $1,625 |
| Vineyard | $1,913 |
| Virgin | $1,577 |
| Wales | $1,661 |
| Wallsburg | $1,769 |
| Washington | $1,601 |
| Washington Terrace | $1,697 |
| Wellington | $1,577 |
| Wellsville | $1,613 |
| Wendover | $1,673 |
| West Bountiful | $1,721 |
| West Haven | $1,745 |
| West Jordan | $1,913 |
| West Point | $1,697 |
| West Valley City | $2,009 |
| White City | $1,829 |
| Whiterocks | $1,697 |
| Willard | $1,613 |
| Woodruff | $1,709 |
| Woods Cross | $1,745 |
Cheap auto insurance in Utah with bad credit
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,711 |
| Nationwide | $1,739 |
| Progressive | $2,736 |
| American Family | $2,835 |
| Allstate | $3,096 |
| State Farm | $5,891 |
Utah auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,628 | 1% | $10 |
| One Med/PIP claim | $1,637 | 2% | $20 |
| Not-at-fault accident | $1,683 | 4% | $65 |
| Two Med/PIP claims | $1,690 | 5% | $72 |
| One comp claim | $1,694 | 5% | $77 |
| Two comp claims | $1,748 | 8% | $131 |
| Failure to show documents | $1,794 | 11% | $176 |
| Driving without lights | $1,846 | 15% | $229 |
| Child safety restraint | $1,846 | 15% | $229 |
| Failure to wear a seat belt | $1,865 | 16% | $247 |
| Driving with expired registration | $1,903 | 18% | $285 |
| Wrong way/wrong lane | $2,010 | 26% | $393 |
| Speeding 6 - 10 MPH over limit | $2,022 | 26% | $405 |
| Driving too slowly | $2,024 | 256% | $407 |
| Texting while driving | $2,026 | 25% | $409 |
| Cell phone violation | $2,026 | 26% | $409 |
| Speeding in school zone | $2,030 | 26% | $412 |
| Speeding 16 - 20 MPH over limit | $2,032 | 26% | $414 |
| Speeding 11 - 15 MPH over limit | $2,032 | 26% | $414 |
| Failure to stop at a red light | $2,035 | 26% | $418 |
| Failure to yield | $2,035 | 26% | $418 |
| Following too closely | $2,035 | 26% | $418 |
| Illegal turn | $2,035 | 26% | $418 |
| Improper passing | $2,045 | 27% | $427 |
| Speeding 21 - 25 MPH over limit | $2,130 | 32% | $513 |
| In 65 MPH zone | $2,144 | 33% | $527 |
| Passing school bus | $2,180 | 34% | $562 |
| At-fault accident - less than $1000 | $2,243 | 39% | $625 |
| Operating a vehicle without permission | $2,293 | 41% | $675 |
| Open container | $2,341 | 45% | $723 |
| At-fault accident - $1000-$2000 | $2,408 | 49% | $791 |
| At-fault accident - greater than $2000 | $2,450 | 52% | $833 |
| Driving with a suspended license | $3,242 | 101% | $1,625 |
| Refusal to submit to a chemical test | $3,288 | 104% | $1,670 |
| Reckless driving | $3,296 | 104% | $1,678 |
| Racing | $3,300 | 104% | $1,682 |
| DUI | $3,315 | 105% | $1,697 |
| Leaving scene of an accident/hit and run | $3,443 | 113% | $1,825 |
Car insurance price trends in Utah
| Year | Avg. Annual Premium — Utah | Yearly Change — Utah | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,396 | $83 | $1,539 | $56 |
| 2020 | $1,323 | $52 | $1,493 | $71 |
| 2019 | $1,281 | $94 | $1,554 | $33 |
| 2018 | $1,197 | -$619 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$333 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,280 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
In Utah, having car insurance is required. It's not just a legal necessity, but it's also essential for safeguarding yourself and your assets. Increasing your current limits or adding more comprehensive coverage is highly suggested to keep you safe.
If you're concerned about your insurance premiums rising, it might be time to look for a better deal. Way.com is a wonderful place to start because it allows you to compare insurance rates from the nation's top providers side by side.
To find cheap car insurance in Utah, you must shop around. It's crucial to shop around because an insurance agent considers several factors determining how much you'll pay. For example, one company might place a higher value on your credit score than another. Others, on the other hand, might place a premium on your marital status. The argument is that because businesses don't publicize their pricing formulas, you never know what premium you'll get before you apply for a quote.
After you've had a good number of quotes, you'll need to compare discounts. Though the number of discounts a company provides is significant, the discounts you can use are even more. Calculate how much you'd save for each discount to narrow down your options. You will need to call and talk with a representative because some businesses don't readily advertise how much you'll save with each discount.
Another way to lower your premium is to improve your credit score or choose a higher deductible. If you want a higher deductible, be aware that you will get less money if you are involved in an accident.
As insurance companies strive to find out how to deal with Utah's ever-changing landscape, prices will continue to rise, following the trend of so many other places. How long do you think it'll take? Only time will tell if this is true.
Discount opportunities and schemes differ by business, so find out which ones you qualify to save money on car insurance in Utah. Some discounts are related to safe driving, such as a period without a chargeable accident or the completion of safe driving courses.
Some Utah insurance providers have incentives if you have several plans, such as home, life, or health insurance, in addition to car insurance. Safer cars, such as those equipped with airbags, may also be eligible for discounts.
| Discounts available in Utah | |
|---|---|
| Accident-Free Discount | Defensive Driving Course Discount |
| Good Driving Discount | Good Student Discount |
| Multiple vehicles car insurance Discount | Multiple Line Discount |
| Passive Restraint Discount | Student Away at School Discount |
| Vehicle Safety Discount | |
The rules for car insurance in Utah are comparable to those in most other states. Carrying the absolute minimum of coverage, on the other hand, is unlikely to keep you entirely covered. Unfortunately, the high cost of emergency care means that even minor injuries can soon exceed your liability limitations, which is especially true if you harm many individuals. Similarly, the $15,000 property damage cap is far less than the typical cost of a new car.
Furthermore, you are not required to have insurance for your car in Utah. If you want to be completely protected, you should consider adding more coverage or increasing your current limits.
In Utah, liability auto insurance is necessary to compensate for personal injuries and property damage caused by you in an at-fault collision. The injured party's lost wages and pain and suffering are covered under this policy. Please remember that your liability coverage will never cover your injuries or property damage.
Personal injury protection is mandatory in Utah and pays for your injuries and medical costs incurred by you and your passengers in the event of an accident. It is accessible regardless of who is to blame.
In Utah, PIP does not offer coverage for lost wages by default, although added. Your policy must have a minimum amount of PIP coverage of $3,000 per person, while most carriers provide higher coverage amounts.
Each state mandates specific forms of insurance with specific liability limitations. According to the insurance industry, your bodily injury liability limits should be at least $100,000 per person and $300,000 per event.
Utah mandates liability coverage and at least $3,000 in personal injury protection as a no-fault state. There are other pertinent car insurance coverages for drivers in Utah.
In Utah, car insurance is mandatory, and all drivers must have proof of insurance on them at all times while driving. You're putting yourself at risk if you don't have the appropriate insurance, and you could face some serious consequences if you don't.
If you are convicted of driving without insurance in Utah, you will be charged with a Class B misdemeanor, which includes the following consequences:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The lowest premiums for Utah drivers are Bear River ($384) and Safeco ($520).
The average cost of auto insurance in Utah is $1112 a year, 22.1 percent less than the national average. Your car insurance rates are influenced by factors other than your geographic position. A person's driving record, credit history, gender, age, and marital status are taken into account when calculating car insurance premiums.
In Utah, you must have the following minimum auto insurance coverages:
Utah is a "no-fault" jurisdiction, which means that all drivers must have auto insurance. You could face fines and have your registration and driver's license revoked if you don't have auto insurance.
Since Utah is a "no-fault" auto insurance state, your options for filing a claim when you're hurt in a car accident are often minimal.
Failure to have insurance or operator security is a Class B misdemeanor punishable by a fine of $400 for the first offense and $1000 for the second and subsequent offenses within three years of a prior conviction or bail forfeiture.
In Utah, you can't register a vehicle without having insurance. At the time of registration, proof of insurance is needed. In Utah, you have 60 days from the date of purchase to register a vehicle, but you can't drive it unless you have insurance.
In Utah, you'll need an SR-22 for three years. That means that drivers must retain the bare minimum of car insurance coverage required by Utah law for the next three years.
For full coverage, the average auto insurance premium for a 16-year-old on their own policy is close to $7000 per year.
To register your car in Utah, you'll need the following documents:
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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