Auto insurance is a legal requirement in Utah. Drivers must carry at least Liability insurance 25/65/15, which includes $ 25,000 in personal injury coverage per person, $ 65,000 in accidental bodily injury coverage and $ 15,000 in accidental property damage coverage. Utah is also a no-fault state, which means that drivers are required to wear personal injury protection (PIP).
The average cost of auto insurance in Utah is $ 332 per year for a minimum coverage policy and $ 1,186 for a full coverage policy. A minimum coverage policy includes only the state’s minimum coverage, while a comprehensive coverage policy also includes collision insurance and comprehensive insurance that protect your vehicle against losses such as damage caused by accidents, theft, fire and more.
How Much Does Auto Insurance Cost in Utah?
Auto insurance rates vary by state. In addition, the rates are personalized according to the city where you live, your age, your driving record and the insurance company with which you purchase coverage. However, Utah drivers pay less for auto insurance than the average American driver.
For comparison, the average cost of auto insurance in the United States is $ 565 per year for a minimum coverage policy and $ 1,674 per year for a full coverage auto insurance policy. That means Utah drivers pay $ 488 less for full coverage auto insurance and $ 233 less for minimum coverage auto insurance than the average American driver.
Utah Auto Insurance Rates By Company
When shopping for auto insurance, the best auto insurance company in Utah for your needs isn’t necessarily the cheapest auto insurance company. In the table below, we’ve highlighted the average annual auto insurance premiums for some of Utah’s biggest and most popular auto insurance companies. You can see that the rates vary widely depending on the provider you are working with.
|Auto insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Allstate||$ 579||$ 1,421|
|american family||$ 882||$ 1,676|
|Automobile owners||$ 546||$ 1,384|
|Farmers||$ 473||$ 1,116|
|Geico||$ 322||$ 971|
|Iowa Agricultural Office||$ 466||$ 1,180|
|Kemper||$ 727||$ 2,340|
|MetLife||$ 854||$ 1,995|
|At national scale||$ 424||$ 1,052|
|Progressive||$ 548||$ 1,195|
|State farm||$ 720||$ 1,648|
|United States||$ 278||$ 839|
Utah Auto Insurance Rates By City
Utah auto insurance rates are not standardized statewide. The city you live in and your zip code will also determine your rate. The table below includes the average cost of auto insurance in Utah’s 20 most populous cities and the difference between the state’s average rate and premium.
|City||Average annual premium for full coverage||% difference from the average annual state premium|
|Salt lake city||$ 1,442||ten%|
|West Valley City||$ 1,503||15%|
|West Jordan||$ 1,439||ten%|
|Saint george||$ 1,222||-6%|
|Southern jordan||$ 1,390||6%|
|spanish fork||$ 1,340||3%|
Utah Auto Insurance Rates by Age
Young drivers pay the highest rates for auto insurance, due to their inexperience on the road. In fact, data from the Centers for Disease Control and Prevention (CDC) shows that the risk of a car crash is higher among drivers aged 16 to 19 than among any other age group. The following table includes Utah auto insurance rates by age.
* 16 years calculated on the disclosure of the parents’ policy
Utah Auto Insurance Rates by Driving Record
One of the main factors that will impact your auto insurance rate is your driving record. If you have had infractions on your record in the past few years, you will likely pay a higher premium. Here are the auto insurance rates in Utah for drivers with a speeding ticket, an accident and a DUI and its impact on insurance premiums.
|Driving incident||Average annual premium for full coverage in Utah||% increase in average annual premium|
How To Save On Auto Insurance In Utah
Utah drivers pay lower than average auto insurance rates. But if you’re looking for cheap auto insurance, there are ways to get an even lower rate. Here are some suggestions:
- Pay your premium in full: If you can afford to pay your annual premium up front and in full, your insurance company will likely reduce your premium slightly.
- Take a defensive driving course: Many insurance companies offer a discount to drivers who complete approved defensive driving training.
- Improve Your Credit Score: If your credit rating is low, improving your credit can help you get better auto insurance rates.
- Change insurer: If you’re unhappy with your current rate and think you can find a better deal elsewhere, changing insurance companies is always an option.
Frequently Asked Questions
How Much Does Auto Insurance Cost in Utah Per Month?
Average auto insurance rates in Utah are $ 332 per year for a minimum coverage policy and $ 1,186 or a full coverage policy. On a monthly basis, this breaks down to around $ 27 per month for minimum coverage and $ 98 per month for full coverage.
What is the best auto insurance company in Utah?
The best auto insurance company in Utah is different for everyone. For some drivers, USAA may be the best option, and for others, Allstate is a better choice. Before choosing an insurance company, take the time to shop around, get several quotes, and compare them to see which provider can offer the lowest price for the amount and type of coverage you want.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:
- $ 100,000 of civil liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.
Age: The rates were calculated by evaluating our baseline profile with ages 18-60 (baseline: 40) applied.
Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.