Looking for Cheap Car Insurance in Utah?
Utah, or “The Beehive State,” is a no-fault car insurance state. That means that instead of having to prove that the at-fault driver was negligent in order to be eligible for medical benefits and wage loss coverage, each party to the accident submits the claims directly to their own insurer for payment under their personal injury protection (PIP) coverage. With Utah ranking as the fifth-worst state for drivers, it's no wonder why car insurance costs more than the national average.
There's no better time than now to use a great life insurance comparison app like Carlay. Insurance rates vary greatly from provider to provider. Other factors that go into the equation include your location, the type of insurance plan, and your personal driving record. From Salt Lake City to Provo and beyond, it's always smart to shop around before you make the final call.
After filling out a few forms online, Carlay will automatically compare the insurance quotes you get from different providers in your area. It will even handle any renewals for you, so you don't have to worry about a thing!
We spoke to customers in Utah who are thrilled with how much they saved by switching to Carlay.
How Much Does Car Insurance Cost in Utah?
If you want to drive a car in Utah, liability-only auto insurance is required and costs around $1,631 per year. And if you'd like to purchase full coverage auto insurance, you will have to shell out $1,824 per year in the state.
Comparing the national average to the average in your state means you will pay an average of $1,783 annually for basic liability car insurance and $2,485 annually for full-coverage car insurance.
What contributes to the insurance rates in Utah?
Here are the factors that influence car insurance premiums in Utah:
- No-fault state
In case of an accident, Utah's no-fault car insurance laws ensure you and your passengers won't have to scramble to cover medical expenses.
- Remote and extensive miles of highways
The Beehive State is known for its impressive landscapes, but Utah drivers have to be prepared to traverse some remote and extensive miles of rural highways on any road trip. When traveling through the mountains, it's important to have an experienced and reliable insurance provider as you enter desolate areas with altitude levels that can make driving more difficult for those less familiar with the territory.
- Rates of accidents and fatalities
Utah is a beautiful place, with scenic highways and serene national parks. Unfortunately, the roads aren't always as beautiful, especially when you're in a hurry to get somewhere. Utah has one of the highest rates of traffic accidents and fatality incidents in the country.
Here's how Utah's insurance savings stack up against nationwide averages:
| All Coverage Before Carlay | All Coverage After Carlay | Minimum Coverage Before Carlay | Minimum Coverage After Carlay | Full Coverage Before Carlay | Full Coverage After Carlay | |
| UT | $1,935 | $1,309 | $1,701 | $963 | $2,257 | $1,618 |
| National Average | $2,489 | $1,671 | $2,360 | $1,390 | $2,761 | $1,963 |
| UT | National Average | |
| All Coverage Before Carlay | $1,935 | $2,489 |
| All Coverage After Carlay | $1,309 | $1,671 |
| Minimum Coverage Before Carlay | $1,701 | $2,360 |
| Minimum Coverage After Carlay | $963 | $1,390 |
| Full Coverage Before Carlay | $2,257 | $2,761 |
| Full Coverage After Carlay | $1,618 | $1,963 |
Top auto insurance providers in Utah
Utahns who have a car are likely to have chosen from a number of insurance providers. National companies like National General and Kemper, as well as the region's own Farmers Insurance, are among the most common options.
Providers have their own methods for calculating insurance premiums, so different companies will offer you different rates to secure the same coverage. The insurance company will consider your age, driving record, credit history, and more to determine your premiums.
Here's a list of some of the most popular carriers in Utah:
| Insurance Company | Average Cost | Annual Savings with Carlay | |
| National General | $5,100 | $4,300 | Compare Prices |
| Kemper | $4,052 | $2,211 | Compare Prices |
| Dairyland | $3,266 | $1,140 | Compare Prices |
| Nationwide | $2,504 | $887 | Compare Prices |
| Allstate | $2,572 | $877 | Compare Prices |
| Travelers | $2,438 | $814 | Compare Prices |
| Safeco | $2,609 | $793 | Compare Prices |
| State Auto | $1,827 | $409 | Compare Prices |
What Car Insurance Do You Need in Utah?
In Utah, you'll probably have to have an insurance policy with the following minimum requirements:
| Coverage | Amount | Description |
| Bodily injury liability | $25,000 per person / $65,000 per accident | Covers the costs associated with injuries you cause to others. |
| Property damage liability | $15,000 per accident | Covers the costs associated with damage you cause to other people's vehicles or property |
| Personal injury protection | $3,000 | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
If you decide to drive without the required insurance, you may be hit with any number of penalties.
- You could be charged with a class B misdemeanor.
- Fines ranging from $400 to $1,000.
- Suspension of license, registration, and plates.
- Reinstatement fees up to $100.
Having the utmost minimum coverage can protect you from the fines and court fees associated with accidents, but won't necessarily help you if you get hurt in an accident. With these additional options…
| Coverage | Description |
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster |
| Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
Carlay is the easiest way to find a car insurance policy that suits your needs. In less than 45 seconds, Carlay gives you the choice of over 50 insurers and the chance to save up to 80% on common insurance policies. Carlay will take care of you, beginning by helping you cancel your old policy and securing a new one. You won't have to fill out long forms, spend hours on the phone, or interview people.
Given that you now know what insurance you'll need in Utah, let's talk about what might impact the costs.
How is Your Cost of Car Insurance Determined in Utah?
Your car insurance premium is calculated based on a number of factors, including your age, driving record, zip code, and the type of vehicle you drive.
- Cost to insure your car in Utah by age
Young drivers often pay more for car insurance than older ones, because they have less driving experience. In Utah, teen drivers account for only 8% of licensed drivers, but they make up 20% of the state's motor vehicle crashes. Teen drivers in Utah are at 1.7 times greater risk of getting into an accident than drivers of other ages. To account for the extra risk linked with young drivers, insurance companies charge them higher premiums.
What young drivers in Utah need to know
- The state of Utah has created graduated licensing laws to help young drivers develop the needed skills to stay safe and comfortable on the road.
- If you're a young driver, you can complete an approved defensive driving course to lower rates on your car insurance.
- Student drivers can get a good student discount on their insurance if they maintain a good grade point average.
While young drivers' rates aren't as low as those of their parents, shopping around and maintaining a clean driving record can help reduce premiums.
No matter your age, comparison shopping with Carlay is a good place to start. Here are the prices Carlay offers drivers by age:
| Age Group | Average Cost | Annual Savings with Carlay |
| 18-20 | $3,132 | $1,083 |
| 21-24 | $2,630 | $1,001 |
| 25-34 | $2,396 | $917 |
| 35-44 | $2,280 | $879 |
| 45-54 | $2,374 | $787 |
| 55-64 | $1,721 | $581 |
| 65+ | $2,909 | $1,411 |
- Cost to insure your car in Utah with a poor driving record
Violations can remain on your driving record for ten years in Utah. Your insurance company may consider you high risk and raise your premiums if it sees these violations on your record. Carlay has a panel of providers and a unique algorithm to help you find the best car insurance policy for your situation. Here are some of the savings we have on these cars for people with less-than-perfect driving records:
| Driving Violation | Average Cost | Annual Savings with Carlay |
| Clean Record | $2,338 | $802 |
| Failure to Obey Traffic Sign | $3,636 | $1,902 |
| Improper Passing | $3,478 | $1,519 |
| Defective Equipment | $3,180 | $1,434 |
| Driving on Sus. License | $3,300 | $1,285 |
| Speeding under 15 | $3,269 | $1,252 |
| Careless Driving | $2,535 | $1,249 |
| Speeding over 15 | $2,304 | $1,063 |
| DUI | $3,003 | $965 |
| Illegal Turn | $2,462 | $566 |
- Cost to insure your car in Utah based on where you live
Under Utah's no-fault law, each party is insured separately and receives payment from their own insurer, regardless of who caused the accident. Urban drivers pay more for car insurance than rural drivers do because they have higher rates of accidents, thefts, and claims.
Although only about 10% of Utah is considered rural, that area has lower rates of sleep deprivation than the urban areas. Cheap car insurance is available in many Utah cities, but you'll want to do some research before choosing where to live. The top 10 most affordable places for car insurance are:
| City | Average Cost | Annual Savings with Carlay |
| Draper | $2,104 | $598 |
| Logan | $2,756 | $827 |
| Ogden | $2,482 | $941 |
| Orem | $2,616 | $872 |
| Provo | $2,461 | $855 |
| Sandy | $2,502 | $936 |
- Cost to insure your car in Utah based on the type of car you drive
With regard to car insurance, the type of car you drive can affect your premium. Insurance companies consider a lot of factors when deciding how much to charge clients for their coverage; generally speaking, the cars that cost less to repair after an accident are cheaper to insure.
Because Utah has a large population of young families, many of the most popular cars in the state are small- and mid-sized sedans—cars like the Civic and Malibu. These are also some of the cheapest vehicles to insure. Higher-end cars, like Maserati, will cost more to insure due to the fact that they are significantly more expensive to repair in the event of an accident.
Here's an estimate of how much it costs to insure these popular car makes and models with Carlay Insurance:
How to Save Money On Car Insurance in Utah?
Every state requires you to have insurance on your vehicle. And regardless of where you live or what kind of car you drive, there are ways to save money on auto insurance.
- Shop around for quotes
Comparing car insurance quotes from at least three to five companies can save you money on your premiums. Shopping around on your own can be an exciting or frustrating experience, and it's common to make mistakes when you fill out paperwork or make long phone calls. That's where a Carlay agent comes in handy.
Carlay is the all-around app that helps you manage your car expenses, so you can focus on the things you care about. Sign up in minutes and the team handle the rest, including keeping track of your deductible and making sure you're always getting a competitive price. Car insurance rates are so high that it pays to shop around. Signing up takes less than a minute and Carlay users save an average of $879 annually.
- Look for discounts
Discounts can really add up and save you money on your car insurance. When you are shopping for car insurance quotes, ask about any company-specific discounts that may be available.
When you're shopping for auto insurance, remember to look out for these discounts:
| Discount type | Descriptions |
| Defensive driving discount | Older drivers who complete an approved defensive driving course may be eligible for discounted premiums. |
| Good student discount | Full-time students under the age of 24 may receive a discount on their rate if they maintain a B average in their studies. |
| Usage-based discounts | Some insurers offer discounts if you're willing to have your driving habits monitored by an app or telematic device. Safer driving means more savings. |
| Payment discounts | Paying for your policy in full at the beginning of the term can net you a small discount overall. |
- Increase your deductible
You can lower your premium by increasing your deductible—the amount you pay before your insurance company starts to cover expenses. Before you ask your insurance company about raising your deductible, be sure that you have the money to pay for the deductible each time you make a claim.
Registering Your Car in Utah
To register a car in Utah, you should have the following documents on hand:
- Valid driver's license or ID card.
- Proof of insurance.
- Proof of sales tax payment.
- Car title or signed lease agreement.
- Proof of a safety inspection.
- Proof of emissions test, if applicable.
When you have all the paperwork, go to your local DMV office. At this point, you fill out a form in which you'll provide personal details as well as information about your car.
Utah drivers must renew their vehicle registrations annually.