Utah drivers pay an average of $1,496 per year for full coverage. CoverShield agents compare 40+ carriers licensed in UT on one call — most Utah drivers save $400–$700 a year by re-shopping.
Average wait: 12 sec · Licensed in UT
Avg Utah full-coverage premium
$1,496/yr
Avg Savings After Re-shop
$400–$700/yr
Carriers Licensed in UT
40+
Utah ranks #30 in US population and is a no-fault auto-insurance state. State minimum liability is 25/65/15, but roughly 6.5% of UT drivers carry no insurance at all — one of the strongest arguments for adding uninsured-motorist coverage to your policy. Average full-coverage premium in Utah sits at $1,496/yr, and Salt Lake City ZIP codes typically run 10–25% above that.
Local underwriting notes
Utah full-coverage auto insurance averages $1,496/year, roughly 13% below the 50-state average of $1,714/yr. That matters because carriers do not price Salt Lake City, West Valley City, Provo the same way; ZIP-level claim frequency and repair costs can move quotes hundreds of dollars apart inside the same state.
Utah is a no-fault state, so PIP and first-party medical rules shape every quote. The legal minimum is 25/65/15, but a serious crash in a higher-cost metro can exhaust those limits quickly. Utah has one of the lower uninsured-driver rates, but adding UM/UIM is still a low-cost backstop against the drivers who skip coverage.
Because Utah is a smaller market where carrier appetite can vary sharply by ZIP code, carrier appetite can swing between dense metro neighborhoods, college towns, rural commute corridors, and weather-exposed areas. Agents also check wildfires & earthquakes exposure, garaging address, mileage, prior-insurance gaps, and whether a household qualifies for telematics, multi-car, paid-in-full, or homeowner discounts.
Utah market notes
Carrier appetite, regulation, and weather exposure that change how auto insurance is actually priced in Utah.
Utah is a no-fault PIP state with mandatory $3K PIP. Salt Lake City, Provo, and Ogden run highest; rural UT is dramatically cheaper. UT's very low uninsured rate (~6.5%) is among the country's best. Bear River Mutual (Murray, UT) is a notable UT-domiciled carrier with competitive standard-market pricing for UT residents.
Notable UT auto insurance carriers
UT state law sets the legal floor at 25/65/15, but most CoverShield agents recommend 100/300/100 or higher because medical and repair costs in Salt Lake City routinely exhaust state-minimum limits after a serious crash.
| Coverage | UT minimum | What it pays for |
|---|---|---|
| Bodily injury — per person | $25,000 | Medical bills for one person you injure in an at-fault crash. |
| Bodily injury — per accident | $65,000 | Total bodily-injury cap across all people hurt in one crash. |
| Property damage | $15,000 | Repairs to vehicles, fences, structures you damage. |
| Personal Injury Protection (PIP) | Required | UT is a no-fault state — your own insurer pays your medical bills regardless of fault. |
Source: UT Department of Insurance, 2026. State minimums are the legal floor — not a recommendation.
These are the carriers we see win the most UT quotes — but the cheapest carrier for you depends on age, vehicle, driving record, credit (where allowed), and ZIP. CoverShield re-shops all of them on one call.
State Farm
Active across UT. Competitive in Salt Lake City ZIPs and surrounding counties.
Progressive
Active across UT. Competitive in West Valley City ZIPs and surrounding counties.
Allstate
Active across UT. Competitive in Provo ZIPs and surrounding counties.
Bear River Mutual
Active across UT. Competitive in Salt Lake City ZIPs and surrounding counties.
Geico
Active across UT. Competitive in West Valley City ZIPs and surrounding counties.
An SR-22 is a certificate UT requires after a DUI, reckless driving, at-fault crash without insurance, or license reinstatement. It's not a separate policy — it's a filing your insurer sends to the UT DMV proving you carry at least the 25/65/15 state minimum.
Filing fee
$20–$50
One-time, paid to your carrier.
How long required
3 years (5 in some cases)
Continuous coverage — any lapse restarts the clock.
Premium impact
+40–80%
Compared to standard UT rates for 3 years post-incident.
Not every UT carrier files SR-22s. Standard-market insurers often non-renew after a major violation, pushing drivers into non-standard carriers (Direct Auto, Acceptance, Bristol West, Dairyland) at higher rates. CoverShield agents know which UT-admitted carriers still file SR-22 at competitive premiums — and which ones to avoid.
We serve every ZIP in Utah. Common quote requests come from Salt Lake City, West Valley City, Provo, and Salt Lake City — but rural and small-town UT drivers get the same agent attention.
Utah — Common Questions
Utah requires liability limits of at least 25/65/15 (bodily injury per person / per accident / property damage). Most CoverShield agents recommend higher limits because medical and repair costs in Salt Lake City routinely exceed state minimums after a serious crash.
Premiums in Utah are driven by population density, uninsured-motorist rates, severe weather exposure (wildfires), and repair costs. Re-shopping every 6 months is the single biggest lever Utah drivers control.
Most UT-licensed carriers can bind a policy the same day — usually within minutes once payment and license info are confirmed. Useful for dealerships, lease handoffs, or SR-22 court deadlines.
Yes — every ZIP code, from Salt Lake City to Salt Lake City. CoverShield works with carriers admitted in all of UT.
Yes — Utah is a no-fault state. UT drivers must carry Personal Injury Protection (PIP) coverage, and your own insurer pays your medical bills after a crash regardless of who is at fault. This affects which carriers price competitively in Utah and is one reason UT premiums tend to run higher than tort states.
Roughly 6.5% of drivers in Utah are uninsured (IRC data). That's well below the US average, but UM/UIM coverage is still cheap insurance against the small percentage of UT drivers who skip coverage.
No forms, no spam. One call, real UT-licensed agent.
Local auto insurance pages for the largest Utah cities. Rates and minimums vary by ZIP — pick your city for a localized breakdown.
Auto Insurance in Washington
Avg Washington full-coverage premium: $1,500/yr
Auto Insurance in Alaska
Avg Alaska full-coverage premium: $1,502/yr
Auto Insurance in Illinois
Avg Illinois full-coverage premium: $1,485/yr
Auto Insurance in Minnesota
Avg Minnesota full-coverage premium: $1,531/yr
Auto Insurance in Oregon
Avg Oregon full-coverage premium: $1,538/yr
Auto Insurance in Wyoming
Avg Wyoming full-coverage premium: $1,452/yr
