Cheap Utah Auto Insurance for 2025

When it comes to Utah auto insurance, rates are slightly higher than the national average.

Understanding auto insurance can help you make sense of why Utah car insurance is more expensive, and also why affordable Utah auto insurance is easier to find for some people than for others. We’ve got everything you need to know right here.

Before you buy Utah auto insurance, make sure you have the best price by shopping around. Enter your ZIP code for free Utah auto insurance quotes.

Utah Auto Insurance Requirements and Minimums

In Utah, the state liability coverage minimums are:

• Bodily Injury $25,000 per person
• Bodily Injury $65,000 per accident
• Property Damage $15,000 per accident

Take a look at how Utah’s minimum rates compare with surrounding states.

Personal Injury Protection (PIP) coverage minimum:

• $3,000 coverage per person

Optional coverage choices in Utah include:

• Comprehensive Coverage
• Collision Coverage
• Uninsured/Underinsured Motorist Coverage
• Rental Car Reimbursement Coverage
• Roadside Assistance / Towing and Labor Coverage

One of the main reasons that Utah auto insurance rates are higher than the national average is due to no-fault auto insurance. Utah is a no-fault auto insurance state. No-fault insurance means that a driver who is involved in an accident is reimbursed for their costs by their own insurance company regardless of fault.

A driver is also unable to use the legal system to attempt to recover damages from another party that was involved in an accident. Drivers in Utah who accrue more than $2,000 in medical bills due to an accident may qualify for the use of a civil case in order to recover damages. However, this should be reviewed with a lawyer who is familiar with Utah state law.

Utah auto insurance requires 25/65/15  of liability coverage. This amount of coverage is the minimum amount that is required by the state of Utah and can be increased by the policyholder. Many policyholders choose to increase the amount of coverage that they have in order to protect themselves from further liability.

The $25,000 minimum coverage amount applies to liability insurance per person for a bodily injury. When an accident occurs, each individual would be covered by $25,000 in liability insurance from the accident. The other driver and passengers in both vehicles are covered by this policy. $65,000 in maximum coverage is allowed for bodily injury in each accident.

This is the maximum amount that an insurance company will pay out for all claims unless the limit is raised. $15,000 in property damage is covered by the state minimum insurance. This applies to damage done to the property of others when you are at fault for an accident.

Drivers should strongly consider raising their coverage from the state-auto insurance requirements. The limits that are in place in the state of Utah are adequate for a minor accident but could leave a driver without recourse for large accidents. Drivers who even have a minor accident may exceed the minimum amount of coverage that the state requires.

Another minimum requirement that the state of Utah enforces is personal injury protection insurance or PIP. This policy requires all insured drivers in the state of Utah to have $3,000 in medical coverage. This policy will cover the medical costs of a driver who is involved in an accident. Drivers often increase this coverage to $10,000 or $25,000 to ensure that all of their medical costs are covered.

Uninsured/underinsured motorist insurance is also available from automobile insurance companies in the state of Utah. This coverage will allow drivers who are involved in an accident with a driver who does not have valid insurance or doesn’t have enough coverage to receive compensation for their losses.

This is a coverage that every driver should consider because it only requires a few extra dollars per month but can save tens of thousands of dollars if a driver were involved in an accident.

Collision coverage is not required for vehicles in the state of Utah. Drivers who have a fairly new vehicle or a vehicle that is on a lease/loan may be required by their finance company to take out collision coverage. A collision coverage policy covers a driver in case their vehicle is involved in an accident with another vehicle, object, or rolls over. Replacing parts after a crash can cost thousands of dollars for drivers who are not insured by collision coverage.

Comprehensive coverage is also available for drivers who want to be covered for numerous reasons. Comprehensive coverage protects a vehicle against theft, vandalism, arson, glass damage (read our “Affordable Full Glass Auto Insurance Coverage” for more information), and numerous other incidents. Drivers who have a vehicle that is on a lease or financed by a bank may want to purchase this coverage. Banks may also require it as part of the lease or financing agreement.

Luckily the insurance rates in Utah are much cheaper in comparison to the other states in the nation.

We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

Unsurprisingly, rates increase as we get to the larger cities of Salt Lake City and Ogden.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Utah Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

Utah Auto Insurance Agents Directory

Utah Auto Insurance Agents

• Get Affordable Midvale, UT Auto Insurance Quotes (2025)
• Get Affordable Monroe, UT Auto Insurance Quotes (2025)
• Get Affordable West Valley, UT Auto Insurance Quotes (2025)

Additional State of Utah Auto Insurance Resources

• Utah Division of Motor Vehicles
• Utah Division of Motor Vehicles – Insurance Frequently Asked Questions
• Utah Insurance Department – Company And Agent Search
• Utah Auto Insurance Requirements
• Utah Highway Safety Laws

Utah Auto Insurance Quotes

Utah requires that all drivers have valid auto insurance to be on the road. A driver who is caught without valid auto insurance can be convicted of a misdemeanor and have to pay a large fine. While Utah does require no-fault auto insurance, there are a number of auto insurance companies that provide competitive rates for this type of insurance.

If you are a Utah driver and ready to start getting quotes to insure your automobile, simply enter your ZIP code to begin.

Best Auto Insurance Agents in Utah