Utah car insurance

Full coverage car insurance in Utah (including liability, comprehensive, and collision coverage) averages about $165 per month, while the state minimum insurance policy averages about $72.

That ranks Utah close to average for car insurance premiums nationwide, but pricier than most states if you just want the state minimum coverage. That’s because the State of Utah mandates that all state minimum policies also include personal injury protection (PIP), which steps in to pay your medical bills and those of your passengers if they are injured in a crash.

Learn everything you need to know about buying car insurance in Utah, including required coverage and how to shop around to find the best deal for your own specific situation.

Utah drivers pay about $72 a month for state-minimum coverage and $165 for full coverage.

Utah mandates liability limits of at least 30/65/25 and $3,000 in personal injury protection. These limits took effect Jan. 1, 2025, replacing the old 25/65/15 standard.¹

Most states allow drivers to purchase basic liability-only policies without personal injury protection (PIP). Utah mandates PIP, pushing minimum policy premiums up slightly compared to other states but providing greater protection.

The current requirements provide more protection than the old minimums, but they may not be adequate to cover you for accidents involving serious injuries or costly vehicle damage. That’s why many Utah drivers buy additional liability limits alongside uninsured/underinsured motorist coverage.

Do you need Personal Injury Protection in Utah?

Yes. Utah's mandatory PIP pays at least $3,000 per injured person in direct medical costs. 

Unlike in some other states, Utah also provides a limited income replacement if your injuries knock you out of work, household-services benefits if you’re disabled, and limited funeral and death benefits for those killed in covered accidents.²

Is Utah a no-fault or at-fault state?

Utah is a no-fault state. Your own personal injury protection pays your initial medical bills after a crash and those of your passengers, up to $3,000, no matter who was at fault. The system is built to pay small injury claims fast and keep minor cases out of court.

The law limits your ability to sue for damages for minor accidents. However, you can potentially sue or be sued if reasonable medical expenses top $3,000, or the injury involves death, dismemberment, permanent disability or permanent impairment based on objective findings, permanent disfigurement, or a bone fracture.³

Do you need uninsured/underinsured motorist (UM/UIM) coverage in Utah?

Utah requires all new policies to include uninsured and underinsured motorist coverage, unless you specifically decline this coverage in writing. UM/UIM coverage pays out a benefit to you when an at-fault driver hits you and has no insurance or inadequate coverage. 

If you take it, your automatic UM/UIM limits are set equal to the lesser of the bodily injury liability limits you select, up to your carrier’s UM/UIM cap.

Essentially, this means that you can’t have more insurance protecting you than you carry to protect other people. You can reject the coverage or pick lower limits, but only by signing an acknowledgment form.⁴

Nationwide offers the lowest average full-coverage rate in Utah at $76 a month, followed by GEICO and USAA. The most expensive carrier, Farmers Insurance, costs more than three times as much for an identical profile.

Comparing rates across multiple carriers helps drivers secure the best price. You may also qualify for discounts for a good driving record, low mileage, being a military servicemember or veteran, or enrolling in a telematics program that electronically tracks your driving habits. 

The priciest carrier here runs more than three times the cheapest for the same driver. Luva compares Utah carriers on your details so you can see who prices your profile lowest.

Utah companies price on a handful of variables: 

• Driving record

• Age

• Credit

• Vehicle

• Annual mileage

• Where you garage the car

How do violations affect Utah car insurance rates?

A single speeding ticket increases Utah premiums by $165 to $204, and a DUI and at-fault accident increase the rate more.

The best way to find affordable car insurance in Utah is to compare quotes from several top Utah carriers, side by side. Here’s how to get the most out of comparison shopping:

• Compare identical policies. Line up the same liability limits, the same deductibles, and the same optional policy features at several different companies so you’re getting an apples-to-apples comparison. 

• Claim discounts. Carriers often offer discounts for things like bundling home and auto with the same company, insuring more than one car, paying in full rather than monthly, and many others. 

• Increase your deductible. Raising your deductible from $500 to $1,000 brings premiums down substantially. However, don’t increase it so much that you can’t bounce back from an accident, theft, or other damage to your car. 

If you are shopping and unsure what coverage you should carry, Lu, your personal insurance guide, can walk you through the tradeoffs in plain language before you buy. Luva pulls quotes from top Utah insurers on matching limits and deductibles, for a true apples-to-apples comparison.