Popular QuestionsPopular Questions About Utah Car Insurance

How much does Utah car insurance cost/yr? $1,059

Guess what? Utah drivers pay less than most other drivers around the nation. Your own auto insurance will be customized and will vary greatly from this average, so keep in mind the specific factors that make coverage either lower or higher in your city.

On average, Americans pay $1,311 per year for their auto insurance. The average Utah driver pays around $1,059 per year. Partner with a Trusted Choice® Independent Insurance Agent, who will ensure you're getting the best rate by comparing quotes from a variety of insurance companies.

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What does Utah car insurance actually do for me?

Accidents, break-ins and weather-related damage can happen in an instant. If you find yourself in an unexpected situation, here's how your car insurance will respond...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $15,000. We officially call this "property damage liability."
  • Pay Your Medical Bills –Required/Min. $3,000. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person; $65,000 per accident. We officially call this "bodily injury liability."

Take note: Utah requires every driver to have a certain amount of insurance. These necessary coverages will pay for either your own or someone else's vehicle damage and medical bills. Discuss the details with a local agent to ensure your coverage addresses these regulations.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many Utah drivers are uninsured: 5.8%

Some people drive without insurance. Many car owners can be careless and get behind the wheel without a financial backup plan for accidents.

But what happens if you're hit by one of these uninsured or underinsured drivers? "Uninsured Motorist Coverage" will compensate you for vehicle repairs or medical bills if the at-fault driver is unable to pay. Your insurance carrier will attempt to get payment, but it's typically very difficult to collect.

Utah does not require you to have uninsured motorist coverage, but we highly recommend taking a look at your options to see if it works with your budget and policy.

Which are the best insurance companies in Utah?

An independent insurance agent compares multiple companies to find the best policy for your needs.

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InformationFind the Best Insurance in Your City

Now, let's take a quick peak at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Salt Lake City19.89.27$1,368$114
West Valley City23.64.70$1,344$112
Provo18.70.92$1,212$101
West Jordan21.73.35$1,068$89
Orem18.71.05$722$60
Sandy23.01.57$1,044$87
Ogden20.93.19$1,152$96
St. George15.31.05$936$78
Taylorsville21.14.71$804$67
Layton23.60.97$1,056$88
South Jordan24.21.45$1,068$89
Logan12.70.77$1,092$91
Lehi21.10.66$1,104$92
Murray19.38.34$984$82
Bountiful19.91.34$1,401$115
Draper21.53.86$1,044$87
Riverton22.71.02$1,037$86
Roy22.81.49$1,065$89

Ogden, UT Car Insurance

Residents of Ogden pay an average of $96 per month for their auto insurance. Your monthly cost could vary depending on your car's age, model and make and other factors such as your driving history and average estimated mileage. A Trusted Choice agent can help you compare rates to get the best price for your car insurance policy.

The more time you spend commuting to and from work, the greater your risk of getting into a fender bender or a more serious accident. Fortunately, Ogden residents have shorter-than-average commute times, and this can help keep auto insurance rates affordable. Regardless, you should be sure that you have enough protection to pay for car repairs and medical bills if something unexpected happens when you're behind the wheel.

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. Unfortunately, the theft rate in Ogden is higher than the national average. This could increase insurance rates in the area. Talk to an independent insurance agent to learn how “other than collision” coverage can provide compensation for losses caused by property crimes.

St. George, UT Car Insurance

On average, residents of St. George pay $78 a month for their auto insurance. When you request a quote, insurance companies will take into account a number of factors including your personal driving history and the make and model of the vehicle you are insuring. Finding affordable St. George auto insurance doesn't have to be complicated. Your local Trusted Choice agent can help you obtain and compare quotes from a variety of insurance companies so you can find the best price.

St. George residents don’t spend nearly as much time commuting to and from work as other drivers around the country do, and that equates to a lower risk of being in an accident. This is one of the many reasons that residents of this city pay lower car insurance rates than the average American vehicle owner. Discuss your coverage options with a local agent to ensure you're adequately protected when it comes to property and bodily injury damage.

The good news is that the auto theft rate in St. George is much lower than the national average. This can help to keep the cost of adding comprehensive coverage to your policy affordable. This optional covers enables you to receive compensation for losses cause by non-collision event like property crimes, falling trees, floods, and fires. Talk to your independent insurance agent to learn more.

Taylorsville, UT Car Insurance

The average monthly cost of auto insurance in Taylorsville is $67. Your actual monthly Taylorsville auto insurance cost will be personalized and unique to your own individual situation, driving history, and coverage needs. Use this number as a baseline when you start comparing quotes. A local Trusted Choice agent can help make the process simple.

Naturally, you are only at risk of being involved in a collision when you are driving, and one of the most dangerous times to be on the road is during rush hour traffic. The good news is that Taylorsville residents spend less time commuting to and from work than the average national driver, and this helps to keep insurance rates affordable for residents of this city.

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized.  The high auto-theft rate in Taylorsville makes adding comprehensive coverage to your auto insurance plan particularly important. This option coverage can compensate you not only for loss and damage caused by property crimes, but also for other non-collision event such as floods and falling objects. Talk to your independent insurance agent to learn more.

Layton, UT Car Insurance

Residents of Layton pay an average of $88 per month for their car insurance coverage. Depending on factors like your vehicle’s year, make and model; your age, gender, and driving record; and the amount of your deductible and coverage limits, your actual rate may be considerably higher or lower than this amount. Trusted Choice agents can help you compare quotes so you know you are paying the right price for the policy you choose.

Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Layton residents spend less time commuting to and from work, and this is one of the many factors that help to keep rates affordable in this city. Of course, collisions can happen at any time — even to the best drivers — so it is important that you have sufficient coverage to protect your finances in the event of an accident.

The theft rate in Layton is much lower than the national average, which may help decrease insurance rates. But you should still be prepared against the possibility of "other than collision" incidents such as property crimes, falling trees, fires, and floods. This is where comprehensive coverage comes into play. Talk to your independent insurance agent to learn more about this optional coverage.