Utah Car Insurance FAQ - Quick Answers

On average, Americans pay $1,311 per year for their auto insurance. In Utah, the average driver pays around $1,059 per year. Your own auto insurance will be customized and can vary greatly from these figures. 

Every Utah car insurance policy will be different, but standard coverages that are typically selected are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Person injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your car due to a non-collision event such as a flood or storm damage.
  • Collision: Pays for damage to your car from a collision with another driver where you are at fault.

In Utah, you'll need the following state minimum liability limits in order to be on the roads:

  • $25,000 in bodily injury liability per person
  • $65,000 in bodily injury liability per accident
  • $15,000 in property damage liability
  • Personal injury protection

To find the best car insurance carrier for your needs, you'll want to know where to start. In Utah, Nationwide, Travelers, Progressive, and Safeco insurance companies are highly rated. This is due to their superior claims service and robust coverage offerings. 

Yes, Utah is what is know as a "no-fault" state. That means that regardless of who caused the accident, each person’s own insurance will cover their injuries. 

Yes. Utah law requires every driver to provide proof of insurance when registering a vehicle in the state. 

Do You Know What Your Car Insurance Covers in Utah?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000 vehiclesAnnual insurance cost
Bountiful21.90.45$1,401
Draper23.91.12$1,044
Logan14.40.71$1,092
Murray19.78.16$984
Ogden20.23.92$1,152
Orem191.43$722
Provo18.51.09$1,212
Roy22.41.51$1,065
Salt Lake City19.56.22$1,368
Sandy23.11.97$1,044
South Jordan251$1,068
St. George15.11.63$936
West Jordan24.81.73$1,068