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Utah Auto Insurance

Utah auto insurance involves a few separate coverages. Knowing your policy well can help you get the coverage you need at a good price.

This guide:

Explains Utah car insurance regulations and requirements

Describes how Utah auto insurance rates are decided

Shows you how you can save money by comparing multiple quotes


See How Much You Could Save:


Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Utah.

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Utah car insurance laws

Utah is a no-fault state, and Utah drivers are required to carry some "first party" coverages in addition to standard liability insurance.

Utah auto insurance laws require minimum liability limits of 25/50/15. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $15,000 for damage to the other party's property.)

Uninsured and underinsured motorist bodily injury coverages carry the same minimums, 25/50 ($25,000 per person injured, up to $50,000 total). But these policies help cover the cost of your injuries should you be in an accident with a driver with inadequate liability coverage.

Personal injury protection (PIP) is also required. This coverage is the "no fault" section of your auto policy. In the event of an accident, it helps pay for your economic costs (like medical expenses and loss of wages), regardless of who was at fault.

If the cost of your injuries exceeds your PIP coverage, the other driver may be held liable for additional expenses should they be found "at fault" for the accident. But your PIP benefits must be exhausted first.

Utah auto insurance companies will also offer optional collision and comprehensive coverages.


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If you are a Utah resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good. After you compare several rates at ComparisonMarket, get a quote from Electric to see if you qualify.


How Utah auto insurance rates are set

For better or for worse, the price of Utah auto insurance is decided by the behavior of the state's drivers as a whole. Utah auto insurance companies take the cost of providing insurance for Utah drivers (this includes settlements and legal fees) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all insurance companies compute their figures in the same manner. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Utah auto insurance policy.

Where to get Utah auto insurance quotes.



The following web sites will help you find Utah car insurance quotes: (these links will open in a new window)


ComparisonMarket is the easiest and most accurate online quotes service, the place where you're likely to find the best coverage for the least amount of money.




Electric Insurance is a provider with discount rates for good drivers

Netquote is particularly useful if you want a local agent to contact you, to help with setting coverage levels, or to select other policy options.

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get a quote using your ZIP Code, Find local and national insurers who offer discounts in your area:

ZIP Code:




To speed up the process, you might wish to have some information required for an online quote ready before you begin.

More UT car insurance help

If you want more help designing your UT auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about UT auto insurance laws and regulations, visit the state's official website of the Utah Insurance Department. Or read our short guide to no fault auto insurance.



Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.