Utah Car Insurance [Rates + Cheap Coverage Guide]

Utah car insurance requires a minimum of 25/65/15 for bodily injury and property damage coverage and PIP coverage because it is one of the few no-fault states. The average UT car insurance rates are $73/month.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Annual Road Miles Total in State: 46,299
Vehicle Miles Driven: 27.6 billion
Vehicles Registered in State: 2,150,360
Total Stolen: 8,707
State Population3,161,105
Most Popular Vehicle Ford F-150
Uninsured Motorists 8.20%
State Rank: 39th
Total Driving Fatalities2008-2017
Speeding: 851
Drunk Driving: 468
Average Premiums Liability: $471.26
Collision: $254.41
Comprehensive: $106.57
Cheapest ProvidersUSAA and Geico
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Home to the Great Salt Lake and majestic canyons, Utah has attracted a population of over 3 million people. With over 2 million vehicles registered to Utah’s population, there is an array of information available about Utah car insurance.

Sorting through all this information can be overwhelming and frustrating. Who has the cheapest car insurance in Utah? How much is car insurance in Utah? What car insurance is required?

To help you sift through all the information available and save time, we’ve put together a comprehensive guide that covers everything you need to know, from car insurance requirements to state driving laws.

So let’s jump right into it! Want to start comparing rates today? Enter your zip code in our FREE online tool above!

Table of Contents

Utah Car Insurance Coverage and Rates

Since every state has different coverage requirements and every company has different rates, it can be confusing to find the best fit for your needs. Since you are paying hundreds or thousands every year for car insurance, you want to make sure you are receiving the best protection and the best deal!

Don’t fear, we are going to help you through the process of picking coverage types and rates in Utah.

Keep reading to learn about Utah’s coverages, rates, and more!

Utah Minimum Coverage

Car insurance is a requirement in Utah — driving without insurance is illegal. In Utah, drivers must have bodily injury and property damage liability insurance, as well as personal injury protection (PIP). Personal injury protection covers medical, rehabilitation, earning loss, and funeral costs.

The MINIMUM coverage allowed is in the following amounts:

  • $25,000 to cover costs of injury or death per person in an accident
  • $65,000 to cover total costs of injury or death per accident
  • $15,000 to cover costs of damage to property per accident
  • $3,000 PIP coverage per person

If you chose to, you can opt for a combined single limit policy. If you do this, the minimum amount is $80,000 for bodily injury and property damage coverage (you will still need PIP coverage).

Not having the insurance coverages that Utah requires will result in multiple penalties that we included below.

  • Suspension of driver’s license
  • Suspension of vehicle registration
  • $400 minimum fine for a first offense
  • $1,000 minimum fine for subsequent offenses

To avoid these penalties, make sure to have the required insurance amount on your car. Otherwise, you could lose the right to drive.

Just like average costs, minimum car insurance expenses vary from state to state.

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Forms of Financial Responsibility

Because Utah requires car insurance, there has to be a way to check that residents are following the law. This is where forms of financial responsibility come in. A form of financial responsibility proves that you have car insurance.

Anytime you are pulled over in a traffic stop, register a car, or are in an accident, you must provide proof of insurance. If you are unable to provide proof of insurance, your license may be suspended.

The following are acceptable forms of financial responsibility.

  • Insurance ID card
  • Insurance binder
  • Insurance declaration

Law enforcement can also monitor the status of your car’s insurance electronically through Insure-Rite. Your insurance company must report your insurance status to Insure-Rite, so if you don’t have insurance you run the risk of receiving multiple penalties if you ignore Insure-Rite’s notifications about your car.

Premiums as a Percentage of Income

Your per capita disposable income is the amount of money you have to spend after taxes. To see how much car insurance coverage takes out of the average salary in Utah, we’ve taken a look at three years of coverage costs and disposable incomes.

Year Disposable Income Full Coverage Insurance as Percentage of Income
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Utah’s percentage of income going to insurance coverage is actually fairly high (the highest state percentage is almost four percent). However, Utah’s percentage has remained fairly consistent, which is good news.

The yearly disposable income, however, took a dip in 2013 and hasn’t quite made it back up to the yearly disposable income in 2014. Unfortunately, despite the small dip in income, car insurance coverage costs went up slightly over the years.

Average Monthly Car Insurance Rates in UT (Liability, Collision, Comprehensive)

Core coverage includes all the basics: liability, collision, and comprehensive insurance. The good news is that Utah’s average premiums are all under the countrywide averages.

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Coverage Type Utah Average Annual PremiumCountrywide Average Annual Premium
Liability $471.26$516.39
Collision $254.41$299.73
Comprehensive $106.57$138.87
Combined Average$832.24$954.99
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So what do these coverages do? We’ve talked about liability coverage before, which Utah requires all drivers to have. Collision coverage is optional but is useful in an accident. It will help pay for the costs of repairing or replacing your car if you are in an accident with another car or an object like a mailbox.

Comprehensive coverage is also optional, and it covers a wide range of mishaps other than an accident. It will help pay for the costs if your car is damaged by natural disasters (fire, etc.), theft, vandalism, or hitting an animal.


Additional Liability Coverage

Additional liability insurance is coverages like personal injury protection, medical payments (Medpay), and uninsured/underinsured motorist coverage. While Utah doesn’t require Medpay and uninsured/underinsured coverages, Utah does require drivers to have personal injury protection.

To see how well these coverages are performing in Utah, we want to take a close look at their loss ratios. What is a loss ratio? A loss ratio shows how well a company is doing financially.

A low loss ratio means a company isn’t paying out enough claims and risks losing customers. A high loss ratio over 100 percent means a company is paying out too many claims and risks going bankrupt.

Loss ratios are an important factor to look at when picking out a company. To help give you an overview of Utah’s loss ratios, we’ve collected the loss ratios from the National Association of Insurance Commissioners to give you an idea of Utah’s coverage strengths.

Coverage 201320142015
Personal Injury Protection 68.56%69.28%74.22%
Medical Payments (Medpay)110.60%99.16%120.63%
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While Utah’s personal injury protection’s loss ratios have remained at a nice, steady rate (neither too high or low), Medpay and uninsured/underinsured payments have both risen over 100 percent.

Because of these high numbers, it is important to look at your insurance company’s loss ratios for Medpay and uninsured/underinsured coverages to make sure the company is financially secure. Don’t let the high numbers scare you away from these coverages, though!

In Utah, 8.20 percent of motorists are uninsured, ranking Utah as 39th in the U.S. for uninsured drivers.

If uninsured/underinsured drivers are in an accident, they won’t be able to pay off all the medical and damage costs from the accident and risk going bankrupt. Uninsured/underinsured coverage makes sure your bills are still paid!

Likewise, Medpay coverage protects you by paying off all the medical costs of an accident for both you and your passengers. From ambulance rides to treatment, Medpay will make sure you are covered.

Add-ons, Endorsements, and Riders

Even if you have a full coverage plan, it can be worth it to look into add-on coverages. These add-ons are affordable and practical, as they can be individually added to create a custom plan for your needs.

Click on any of the below coverages to learn more.

So if have a special car or just want someone to change your tire for you, ask your insurance provider about add-on coverages.

Average Monthly Car Insurance Rates by Age & Gender in UT

Demographics actually play a significant role in determining rates. Gender and age are two of the biggest demographics insurers use when creating insurance premiums.

Let’s take a look at how gender and age impact insurers’ rates.

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CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual Rate
Allstate F&C$2,291.16$2,124.28$2,080.31$2,080.58$2,433.88$2,420.66$7,131.66$7,968.85
American Family Mutual$2,061.52$2,061.52$1,895.69$1,895.69$2,061.52$2,432.42$7,447.08$9,734.69
Mid-Century Ins Co$2,122.25$2,096.76$1,874.89$1,996.87$2,403.87$2,484.88$9,007.70$9,276.70
Geico Cas$1,913.89$2,132.40$2,102.55$2,444.23$1,659.40$1,666.10$5,712.14$6,093.85
SAFECO Ins Co of IL$2,424.16$2,609.54$2,009.88$2,240.08$2,555.09$2,712.73$9,510.32$10,560.25
Depositors Insurance$1,925.73$1,948.00$1,721.22$1,812.40$2,224.59$2,384.61$5,226.02$6,649.99
Progressive Classic$2,097.59$1,950.05$1,716.07$1,829.17$2,421.45$2,541.96$8,562.83$9,521.67
State Farm Mutual Auto$2,831.94$2,831.94$2,574.96$2,574.96$3,211.87$3,678.46$8,675.15$10,787.39
USAA CIC$1,429.68$1,404.80$1,283.35$1,282.42$1,738.92$1,900.76$5,021.49$5,867.34
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The huge price difference for teens means that many parents choose to add their teen drivers to the parents’ insurance plans, which results in a much smaller price increase.

Let’s take a closer look at the ranking of demographic rates. The below table will give you an idea of how much different demographics are paying, and what the worst demographic to be is!

RankCompanyDemographicAverage Annual Rate
1State Farm Mutual AutoSingle 17-year old male$10,787.39
2SAFECO Ins Co of ILSingle 17-year old male$10,560.25
3American Family MutualSingle 17-year old male$9,734.69
4Progressive ClassicSingle 17-year old male$9,521.67
5SAFECO Ins Co of ILSingle 17-year old female$9,510.32
6Mid-Century Ins CoSingle 17-year old male$9,276.70
7Mid-Century Ins CoSingle 17-year old female$9,007.70
8State Farm Mutual AutoSingle 17-year old female$8,675.15
9Progressive ClassicSingle 17-year old female$8,562.83
10Allstate F&CSingle 17-year old male$7,968.85
11American Family MutualSingle 17-year old female$7,447.08
12Allstate F&CSingle 17-year old female$7,131.66
13Depositors InsuranceSingle 17-year old male$6,649.99
14Geico CasSingle 17-year old male$6,093.85
15USAA CICSingle 17-year old male$5,867.34
16Geico CasSingle 17-year old female$5,712.14
17Depositors InsuranceSingle 17-year old female$5,226.02
18USAA CICSingle 17-year old female$5,021.49
19State Farm Mutual AutoSingle 25-year old male$3,678.46
20State Farm Mutual AutoSingle 25-year old female$3,211.87
21State Farm Mutual AutoMarried 35-year old female$2,831.94
21State Farm Mutual AutoMarried 35-year old male$2,831.94
23SAFECO Ins Co of ILSingle 25-year old male$2,712.73
24SAFECO Ins Co of ILMarried 35-year old male$2,609.54
25State Farm Mutual AutoMarried 60-year old female$2,574.96
25State Farm Mutual AutoMarried 60-year old male$2,574.96
27SAFECO Ins Co of ILSingle 25-year old female$2,555.09
28Progressive ClassicSingle 25-year old male$2,541.96
29Mid-Century Ins CoSingle 25-year old male$2,484.88
30Geico CasMarried 60-year old male$2,444.23
31Allstate F&CSingle 25-year old female$2,433.88
32American Family MutualSingle 25-year old male$2,432.42
33SAFECO Ins Co of ILMarried 35-year old female$2,424.16
34Progressive ClassicSingle 25-year old female$2,421.45
35Allstate F&CSingle 25-year old male$2,420.66
36Mid-Century Ins CoSingle 25-year old female$2,403.87
37Depositors InsuranceSingle 25-year old male$2,384.61
38Allstate F&CMarried 35-year old female$2,291.16
39SAFECO Ins Co of ILMarried 60-year old male$2,240.08
40Depositors InsuranceSingle 25-year old female$2,224.59
41Geico CasMarried 35-year old male$2,132.40
42Allstate F&CMarried 35-year old male$2,124.28
43Mid-Century Ins CoMarried 35-year old female$2,122.25
44Geico CasMarried 60-year old female$2,102.55
45Progressive ClassicMarried 35-year old female$2,097.59
46Mid-Century Ins CoMarried 35-year old male$2,096.76
47Allstate F&CMarried 60-year old male$2,080.58
48Allstate F&CMarried 60-year old female$2,080.31
49American Family MutualMarried 35-year old female$2,061.52
49American Family MutualMarried 35-year old male$2,061.52
49American Family MutualSingle 25-year old female$2,061.52
52SAFECO Ins Co of ILMarried 60-year old female$2,009.88
53Mid-Century Ins CoMarried 60-year old male$1,996.87
54Progressive ClassicMarried 35-year old male$1,950.05
55Depositors InsuranceMarried 35-year old male$1,948.00
56Depositors InsuranceMarried 35-year old female$1,925.73
57Geico CasMarried 35-year old female$1,913.89
58USAA CICSingle 25-year old male$1,900.76
59American Family MutualMarried 60-year old female$1,895.69
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60 and 35-year-olds have the best rates, whereas 17-year-olds are charged THOUSANDS more.

Cheapest Rates by ZIP Code

To help give you a snapshot of how area affects insurer’s rates, we’ve included a list of average costs by ZIP code. You will also see the cheapest providers available in your area.

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Most Expensive ZIP Codes in Utah CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
84104SALT LAKE CITY$4,580.22State Farm$5,906.45Liberty Mutual$5,552.83USAA$3,213.30GEICO$3,434.35
84116SALT LAKE CITY$4,555.57State Farm$6,058.29Liberty Mutual$5,552.83USAA$3,213.30Nationwide$3,418.87
84128SALT LAKE CITY$4,451.69State Farm$5,757.21Liberty Mutual$5,388.11USAA$3,213.30GEICO$3,363.55
84118SALT LAKE CITY$4,447.21State Farm$6,337.83Liberty Mutual$5,360.65USAA$3,213.30GEICO$3,261.84
84129TAYLORSVILLE$4,445.90State Farm$5,882.61Liberty Mutual$5,388.11USAA$3,213.30GEICO$3,363.55
84180SALT LAKE CITY$4,440.15Progressive$7,409.56State Farm$5,882.61USAA$2,634.25GEICO$3,299.16
84044MAGNA$4,405.29State Farm$5,861.32Liberty Mutual$5,393.49USAA$3,213.30GEICO$3,405.05
84120SALT LAKE CITY$4,376.36State Farm$5,861.93Progressive$5,327.91USAA$3,213.30GEICO$3,305.07
84119SALT LAKE CITY$4,359.40State Farm$6,314.32Progressive$5,179.80USAA$3,213.30GEICO$3,314.74
84101SALT LAKE CITY$4,349.91State Farm$5,804.48Progressive$5,238.79USAA$2,634.25GEICO$3,299.16
84115SALT LAKE CITY$4,310.49State Farm$5,378.87Progressive$5,010.63USAA$3,213.30GEICO$3,369.43
84123SALT LAKE CITY$4,271.70State Farm$6,314.32Liberty Mutual$5,242.38USAA$2,822.35GEICO$3,293.89
84121SALT LAKE CITY$4,267.68State Farm$5,315.94Liberty Mutual$5,219.22USAA$2,696.20GEICO$3,332.05
84084WEST JORDAN$4,265.62State Farm$6,110.62Liberty Mutual$4,684.43USAA$2,975.32GEICO$3,282.22
84107SALT LAKE CITY$4,235.20State Farm$5,533.57Progressive$5,037.17USAA$2,822.35Nationwide$3,421.41
84117SALT LAKE CITY$4,200.92State Farm$5,448.85Progressive$5,412.85USAA$2,677.95GEICO$3,269.97
84111SALT LAKE CITY$4,183.18State Farm$4,991.84Progressive$4,841.35USAA$2,629.89GEICO$3,291.39
84133SALT LAKE CITY$4,171.57Progressive$5,167.90State Farm$5,153.15USAA$3,213.30GEICO$3,237.95
84138SALT LAKE CITY$4,148.80Progressive$5,167.90State Farm$5,153.15USAA$3,213.30GEICO$3,237.95
84112SALT LAKE CITY$4,148.07State Farm$5,066.03Progressive$4,863.59USAA$2,634.25GEICO$3,198.85
84109SALT LAKE CITY$4,147.22State Farm$5,268.67Progressive$5,055.11USAA$2,634.25Nationwide$3,263.91
84047MIDVALE$4,126.41Liberty Mutual$5,370.77State Farm$4,981.04USAA$2,696.20GEICO$3,154.67
84103SALT LAKE CITY$4,118.16State Farm$4,963.85Liberty Mutual$4,953.73USAA$2,634.25GEICO$3,254.63
84124SALT LAKE CITY$4,108.36Progressive$5,376.42State Farm$4,935.71USAA$2,699.73GEICO$3,294.70
84132SALT LAKE CITY$4,107.90Progressive$5,167.90State Farm$5,153.15GEICO$3,198.85USAA$3,213.30
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Between the most and least expensive ZIP codes, there is a $1,341 difference. That’s quite a price increase!

Cheapest ZIP Codes in Utah CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
84721CEDAR CITY$3,239.58State Farm$3,973.46Liberty Mutual$3,862.42USAA$2,331.35Nationwide$2,671.38
84720CEDAR CITY$3,244.93State Farm$3,992.78Liberty Mutual$3,955.90USAA$2,331.35Nationwide$2,671.38
84757NEW HARMONY$3,267.24State Farm$4,114.12Farmers$3,769.91USAA$2,349.23Nationwide$2,762.45
84742KANARRAVILLE$3,269.05State Farm$3,949.40Liberty Mutual$3,862.42USAA$2,331.35Nationwide$2,671.38
84532MOAB$3,275.27Liberty Mutual$4,079.43State Farm$3,591.34USAA$2,360.15GEICO$2,926.51
84649OAK CITY$3,288.54Liberty Mutual$4,151.14State Farm$3,905.21USAA$2,331.35Nationwide$2,844.57
84540THOMPSON$3,289.83Liberty Mutual$4,079.43Progressive$3,571.58USAA$2,360.15GEICO$2,926.51
84719BRIAN HEAD$3,294.63State Farm$3,949.40Liberty Mutual$3,862.42USAA$2,331.35Nationwide$2,785.39
84636HOLDEN$3,300.64Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
84774TOQUERVILLE$3,304.82State Farm$4,214.71Liberty Mutual$3,769.47USAA$2,349.23Nationwide$2,762.45
84525GREEN RIVER$3,304.97Liberty Mutual$4,079.43State Farm$4,016.70USAA$2,360.15Nationwide$2,785.39
84784HILDALE$3,307.22State Farm$4,447.24Liberty Mutual$3,862.42USAA$2,349.23Nationwide$2,762.45
84515CISCO$3,308.30Liberty Mutual$4,079.43Progressive$3,635.34USAA$2,360.15GEICO$2,926.51
84714BERYL$3,311.07Farmers$4,005.75State Farm$3,949.40USAA$2,331.35Nationwide$2,785.39
84761PAROWAN$3,312.96Farmers$3,998.69State Farm$3,923.68USAA$2,331.35Nationwide$2,785.39
84790SAINT GEORGE$3,315.08State Farm$4,443.84Liberty Mutual$3,754.41USAA$2,349.23Nationwide$2,762.45
84737HURRICANE$3,315.28State Farm$4,196.21Liberty Mutual$4,182.76USAA$2,349.23Nationwide$2,762.45
84753MODENA$3,317.42State Farm$3,949.40Farmers$3,856.04USAA$2,331.35Nationwide$2,785.39
84656SCIPIO$3,321.37Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
84781PINE VALLEY$3,325.28State Farm$4,280.53Farmers$4,064.34USAA$2,349.23Nationwide$2,762.45
84638LEAMINGTON$3,326.99Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
84741KANAB$3,328.46State Farm$3,936.21Liberty Mutual$3,862.42USAA$2,430.03GEICO$2,926.51
84746LEEDS$3,329.12Liberty Mutual$4,182.76State Farm$4,174.69USAA$2,349.23Nationwide$2,762.45
84640LYNNDYL$3,329.91Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
84770SAINT GEORGE$3,332.72State Farm$4,434.42Liberty Mutual$3,754.41USAA$2,349.23Nationwide$2,762.45
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Cheapest Rates by City

Another example of how area affects rates is the difference in city rates.

Most Expensive Cities in Utah Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Kearns$4,447.21State Farm$6,337.83Liberty Mutual$5,360.65USAA$3,213.30GEICO$3,261.84
West Valley City$4,414.03State Farm$5,809.57Progressive$5,257.80USAA$3,213.30GEICO$3,334.31
Magna$4,405.29State Farm$5,861.32Liberty Mutual$5,393.49USAA$3,213.30GEICO$3,405.05
South Salt Lake$4,359.40State Farm$6,314.32Progressive$5,179.80USAA$3,213.30GEICO$3,314.74
Taylorsville$4,265.62State Farm$6,110.62Liberty Mutual$4,684.43USAA$2,975.32GEICO$3,282.22
Salt Lake City$4,228.11State Farm$5,362.05Progressive$5,020.05USAA$2,887.03GEICO$3,283.39
Millcreek$4,181.11State Farm$5,547.25Progressive$4,895.15USAA$2,728.30GEICO$3,335.67
Cottonwood Heights$4,173.41Liberty Mutual$5,295.00State Farm$5,285.88USAA$2,696.20GEICO$3,257.89
Holladay$4,154.64Progressive$5,394.64State Farm$5,192.28USAA$2,688.84GEICO$3,282.33
West Jordan$4,072.61State Farm$5,267.47American Family$4,536.24USAA$2,777.70GEICO$3,091.76
Midvale$4,044.66Liberty Mutual$5,033.64State Farm$4,926.35USAA$2,687.08GEICO$3,140.31
Sandy$4,031.45State Farm$5,261.35Liberty Mutual$5,033.64USAA$2,677.95GEICO$3,131.85
South Jordan$4,018.60State Farm$5,224.22Liberty Mutual$4,639.54USAA$2,814.19GEICO$3,131.32
Bingham Canyon$4,017.19State Farm$5,284.91Liberty Mutual$5,025.49USAA$2,777.70GEICO$2,920.63
Draper$4,007.79State Farm$5,495.45Liberty Mutual$4,719.10USAA$2,677.95GEICO$3,220.79
Orem$4,003.90State Farm$5,497.53Liberty Mutual$4,840.01USAA$2,687.41Nationwide$3,141.09
Lindon$3,987.75State Farm$5,553.45Liberty Mutual$4,754.32USAA$2,638.75GEICO$3,147.84
Emigration Canyon$3,985.17State Farm$4,929.84Liberty Mutual$4,749.90USAA$2,628.81GEICO$3,198.85
Alpine$3,976.31State Farm$5,744.46Liberty Mutual$4,575.83USAA$2,721.26GEICO$3,164.98
Herriman$3,949.52State Farm$5,092.12Liberty Mutual$4,820.38USAA$2,677.95GEICO$3,069.09
Cedar Hills$3,948.42State Farm$5,334.70Liberty Mutual$4,754.32USAA$2,622.83Nationwide$3,216.35
Provo$3,937.62State Farm$5,442.59Liberty Mutual$4,746.35USAA$2,696.40GEICO$3,086.53
Springville$3,935.40State Farm$5,444.67Liberty Mutual$4,670.48USAA$2,751.07GEICO$3,057.05
Saratoga Springs$3,934.85State Farm$5,339.17Liberty Mutual$4,575.83USAA$2,725.20GEICO$3,110.40
Mapleton$3,934.32State Farm$5,305.53Liberty Mutual$4,718.89USAA$2,751.07Nationwide$3,011.35
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Kearns is the most expensive city, costing over $1,000 more than Cedar City. Since Kearns is a little larger of a city than Cedar City, it makes sense that insurance might be higher in Kearns due to increased risk of crashes (more drivers on the road equals higher risk of crashes).

Cheapest Cities in Utah Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Cedar City$3,242.26State Farm$3,983.12Liberty Mutual$3,909.16USAA$2,331.35Nationwide$2,671.38
New Harmony$3,267.24State Farm$4,114.12Farmers$3,769.91USAA$2,349.23Nationwide$2,762.45
Kanarraville$3,269.05State Farm$3,949.40Liberty Mutual$3,862.42USAA$2,331.35Nationwide$2,671.38
Moab$3,275.27Liberty Mutual$4,079.43State Farm$3,591.34USAA$2,360.15GEICO$2,926.51
Oak City$3,288.54Liberty Mutual$4,151.14State Farm$3,905.21USAA$2,331.35Nationwide$2,844.57
Thompson$3,289.82Liberty Mutual$4,079.43Progressive$3,571.58USAA$2,360.15GEICO$2,926.51
Brian Head$3,294.63State Farm$3,949.40Liberty Mutual$3,862.42USAA$2,331.35Nationwide$2,785.39
Holden$3,300.64Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
Toquerville$3,304.82State Farm$4,214.71Liberty Mutual$3,769.47USAA$2,349.23Nationwide$2,762.45
Green River$3,304.96Liberty Mutual$4,079.43State Farm$4,016.70USAA$2,360.15Nationwide$2,785.39
Hildale$3,307.22State Farm$4,447.24Liberty Mutual$3,862.42USAA$2,349.23Nationwide$2,762.45
Cisco$3,308.30Liberty Mutual$4,079.43Progressive$3,635.34USAA$2,360.15GEICO$2,926.51
Beryl$3,311.07Farmers$4,005.75State Farm$3,949.40USAA$2,331.35Nationwide$2,785.39
Parowan$3,312.95Farmers$3,998.69State Farm$3,923.68USAA$2,331.35Nationwide$2,785.39
Hurricane$3,315.28State Farm$4,196.21Liberty Mutual$4,182.76USAA$2,349.23Nationwide$2,762.45
Modena$3,317.42State Farm$3,949.40Farmers$3,856.04USAA$2,331.35Nationwide$2,785.39
Scipio$3,321.37Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
St. George$3,323.90State Farm$4,439.13Liberty Mutual$3,754.41USAA$2,349.23Nationwide$2,762.45
Pine Valley$3,325.28State Farm$4,280.53Farmers$4,064.34USAA$2,349.23Nationwide$2,762.45
Leamington$3,326.99Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
Kanab$3,328.46State Farm$3,936.21Liberty Mutual$3,862.42USAA$2,430.03GEICO$2,926.51
Leeds$3,329.12Liberty Mutual$4,182.76State Farm$4,174.69USAA$2,349.23Nationwide$2,762.45
Lynndyl$3,329.91Liberty Mutual$4,151.14State Farm$4,106.93USAA$2,331.35Nationwide$2,844.57
Springdale$3,333.99State Farm$4,310.38Liberty Mutual$4,182.76USAA$2,349.23Nationwide$2,762.45
Summit$3,335.26State Farm$3,949.40Farmers$3,918.93USAA$2,331.35Nationwide$2,785.39
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Best Utah Car Insurance Companies

What insurance company is right for you? With every insurance company promising that they are the best, it can be hard to find an insurance company that actually fits your requirements.

To help you decide, we’ve broken down companies’ rates, financial ratings, market share percentage and much more!

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Rather than spending hours researching car insurance companies, let us help you sift through the companies available in Utah.

The Largest Companies’ Financial Ratings

An AM Best rating looks at the financial strength of a company. To see how Utah’s largest car insurance companies are faring, we’ve included the AM Best rating for each one.

Company AM Best Rating Direct Premiums Written Loss RatioMarket Share
USAA GroupA++$91,54773.34%4.74%
Allstate Insurance GroupA+$217,32457.30%11.24%
Nationwide Corp GroupA+$52,12670.19%2.70%
Progressive GroupA+$160,68465.16%8.31%
American Family Insurance GroupA$87,58382.77%4.53%
Farmers Insurance GroupA$183,97354.43%9.52%
Liberty Mutual GroupA$86,03466.67%4.45%
State Farm GroupA$323,02664.11%16.71%
Bear River Mutual Insurance CoA-$117,03181.12%6.05%
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All of the largest companies in Utah have A++ to A- ratings, which is great (A++ is the highest rating).

AM Best explains its A financial rating scale as the following:

  • A++ and A+ (Superior). These companies have a superior ability to meet future financial obligations
  • A and A- (Excellent). These companies have an excellent ability to meet future financial obligations

The companies’ loss ratios are also over 50 percent but under 100 percent, which means they are fairly steady financially.

Companies with Best Ratings

We also want to take a look at JD Power’s ratings. JD Power calculates customer satisfaction for companies based on five factors.

  1. Interaction
  2. Policy Offerings
  3. Price
  4. Billing Process/Policy Information
  5. Claims

The 2018 study looked at responses from 44,622 auto insurance customers to calculate a rating based on these factors. Below, we have included JD Power’s graphic detailing Utah companies’ ratings.

Southwest region JD power

JD Power ranked State Farm, one of the largest companies in Utah, as better than most. This means JD Power considers State Farm to have excellent customer service based on consumer surveys.

Companies with Most Complaints in Utah

Now that we’ve looked at financial ratings and customer service, let’s dig deeper into the companies by looking at complaint ratios for 2018.

Company 2018 Complaint Ratio Per 100K of Earned Premium
State Farm Mutual Auto Ins Co0.000
Mid-Century Ins Co0.001
Allstate Fire & Cas Ins Co0.001
Geico Cas Co0.003
Bear River Mutual Ins Co0.000
Progressive Direct Ins Co*0.191
Progressive Classic Ins Co*0.066
Farm Bureau Prop & Cas Ins Co 0.000
Auto Owners Ins Co0.003
State Farm Fire & Cas Co*0.003
LM General Ins Co0.017
USAA Cas Ins Co(a)0.006
Safeco Ins Co Of IL0.003
Allstate Ins Co0.000
American Family Mutual Ins Co0.003
United Services Auto Assoc(b)0.004
Geico General Ins Co0.000
Standard Fire Ins Co0.009
Metro Group Prop & Cas Ins Co(c)0.000
United Insurance Co0.098
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A high complaint ratio doesn’t necessarily mean a company is bad. Rather, how a company deals with complaints is important, which is why you should also look at reports like JD Power’s ratings.

Cheapest Companies in Utah

Price is usually forefront on our minds when shopping, and nothing is more exciting than getting a great deal! This attitude also applies to car insurance companies, as we want to pay the least possible for great protection.

So if you want to know the cheapest providers are in Utah, check out the table and chart below.

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CompanyAverage Annual RateCompared to State Average (+/-)Compared to State Average (%)
State Farm Mutual Auto$4,645.83$1,043.6022.46%
SAFECO Ins Co of IL$4,327.76$725.5216.76%
Mid-Century Ins Co$3,907.99$305.767.82%
Progressive Classic$3,830.10$227.875.95%
American Family Mutual$3,698.77$96.532.61%
Allstate F&C$3,566.42-$35.81-1.00%
Depositors Insurance$2,986.57-$615.66-20.61%
Geico Cas$2,965.57-$636.66-21.47%
USAA CIC$2,491.10-$1,111.14-44.60%
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Clearly, shopping around for car insurance pays off. Companies like Geico and USAA are significantly below the state average, meaning you will save a few hundred or even a few thousand by picking a cheaper company.

Commute Rates by Companies

Sometimes, how far you drive each day can impact your rates.

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GroupCommute and Annual MileageAnnual Average
State Farm25 miles commute. 12000 annual mileage.$4,763.81
State Farm10 miles commute. 6000 annual mileage.$4,527.85
Liberty Mutual25 miles commute. 12000 annual mileage.$4,398.34
Liberty Mutual10 miles commute. 6000 annual mileage.$4,257.17
Farmers10 miles commute. 6000 annual mileage.$3,907.99
Farmers25 miles commute. 12000 annual mileage.$3,907.99
Progressive10 miles commute. 6000 annual mileage.$3,830.10
Progressive25 miles commute. 12000 annual mileage.$3,830.10
American Family25 miles commute. 12000 annual mileage.$3,701.06
American Family10 miles commute. 6000 annual mileage.$3,696.47
Allstate10 miles commute. 6000 annual mileage.$3,566.42
Allstate25 miles commute. 12000 annual mileage.$3,566.42
Geico25 miles commute. 12000 annual mileage.$3,016.15
Nationwide10 miles commute. 6000 annual mileage.$2,986.57
Nationwide25 miles commute. 12000 annual mileage.$2,986.57
Geico10 miles commute. 6000 annual mileage.$2,915.00
USAA25 miles commute. 12000 annual mileage.$2,518.60
USAA10 miles commute. 6000 annual mileage.$2,463.59
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While some companies have no change in rates, companies like State Farm will add over $200 to your annual bill! If you drive long distances, make sure you aren’t paying more at your provider.

Coverage Level Rates by Companies

Sometimes, the higher price for a higher coverage level can be a deterrent to people. When you compare coverage level costs, though, some companies offer economical increases in coverage level that don’t overly strain your funds.

GroupCoverage TypeAnnual Average
State FarmHigh$4,921.83
State FarmMedium$4,658.86
Liberty MutualHigh$4,561.77
State FarmLow$4,356.81
Liberty MutualMedium$4,310.56
Liberty MutualLow$4,110.94
American FamilyHigh$3,752.75
American FamilyMedium$3,747.39
American FamilyLow$3,596.17
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Going from low to high coverage at companies like Geico will cost you an extra $434 a year. This amounts to an extra $36 a month, which is very manageable.

Credit History Rates by Companies

Your credit score is just as important in determining rates as your driving record. If you have a low credit score, you will likely have to pay a significantly higher fee.

The average credit score for Utah residents is 683, which is higher than the national average of 675.

This is good news, as it means that most Utah residents won’t have to worry about increased rates because of bad credit scores. If a person does have bad credit, though, rates will increase astronomically.

GroupCredit HistoryAnnual Average
State FarmPoor$7,561.42
Liberty MutualPoor$6,171.64
American FamilyPoor$4,648.73
Liberty MutualFair$3,807.29
State FarmFair$3,805.27
American FamilyFair$3,486.39
Liberty MutualGood$3,004.33
American FamilyGood$2,961.19
State FarmGood$2,570.80
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Bad credit at companies like State Farm will raise your rate five thousand dollars! That’s quite a large price difference.

Driving Record Rates by Companies

Besides credit history, your driving history also plays a significant role in how insurers determine your rates. Accidents, DUIs, and speeding violations will all raise your rates.

GroupDriving RecordAnnual Average
State FarmWith 1 accident$5,068.82
Liberty MutualWith 1 DUI$5,007.04
ProgressiveWith 1 accident$4,895.50
Liberty MutualWith 1 accident$4,650.33
State FarmWith 1 DUI$4,645.83
State FarmWith 1 speeding violation$4,645.83
American FamilyWith 1 DUI$4,505.19
FarmersWith 1 accident$4,326.75
Liberty MutualWith 1 speeding violation$4,262.72
AllstateWith 1 DUI$4,232.55
State FarmClean record$4,222.84
FarmersWith 1 DUI$4,200.44
GeicoWith 1 DUI$3,882.19
American FamilyWith 1 accident$3,808.97
ProgressiveWith 1 speeding violation$3,793.05
FarmersWith 1 speeding violation$3,779.88
NationwideWith 1 DUI$3,740.78
AllstateWith 1 accident$3,629.16
American FamilyWith 1 speeding violation$3,429.99
AllstateWith 1 speeding violation$3,393.73
Liberty MutualClean record$3,390.93
ProgressiveWith 1 DUI$3,390.52
GeicoWith 1 accident$3,340.13
USAAWith 1 DUI$3,335.98
FarmersClean record$3,324.89
ProgressiveClean record$3,241.33
NationwideWith 1 accident$3,191.57
American FamilyClean record$3,050.91
AllstateClean record$3,010.26
NationwideWith 1 speeding violation$2,644.32
GeicoWith 1 speeding violation$2,493.28
USAAWith 1 accident$2,476.70
NationwideClean record$2,369.61
USAAWith 1 speeding violation$2,193.89
GeicoClean record$2,146.67
USAAClean record$1,957.81
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DUIs generally tend to raise your rates by the THOUSANDS! Accidents tend to be the second most expensive rate changer, with speeding violations impacting rates the least.

The easiest way to avoid such high costs is to try and keep as clean a driving record as possible.

Number of Insurers in Utah

Let’s jump into the number of insurance providers to help give you an idea of just how many insurance providers are out there!

  • Domestic Insurers: 9
  • Foreign Insurers: 878

The difference between domestic vs. foreign insurers is quite simple. Domestic insurers are based in Utah, whereas foreign insurers are based in other states.

Utah State Laws

People often complain about driving tickets and the hefty fines they have to pay. But what if you could avoid getting a ticket and dipping into your monthly savings?

Knowing your state laws will help you avoid driving tickets and other penalties, but it can often be bewildering to grasp all of Utah’s laws. To help you navigate Utah’s driving system, we’ve covered everything from insurance laws to rules of the roads.

So keep scrolling to learn about driving in the state of Utah!

Car Insurance Laws

We’ve already covered the required minimum insurance amounts, but how are these laws created and how do you follow them?

How State Laws for Insurance are Determined

According to the NAIC, insurers must file rates with the Utah Insurance Department within 30 days of use. An insurance commissioner may disapprove the form after filing within 90 days. The good news is that you don’t really need to worry about this technical process — your insurer will file claims with the state department.

Just make sure that your insurance has been approved by Utah before driving with it!

Windshield Coverage

All it takes is one tiny stone hitting your windshield for a crack to start spreading. Since driving with an obstructed view of the road is illegal, you will eventually need your windshield repaired or replaced.

In Utah, the law doesn’t require insurers to replace or repair windshields. The good news is that most comprehensive coverage plans will pay for the cost of repairs or replacement.

You are allowed to chose the repair shop, but you may have to pay the price difference. As well, insurers can use aftermarket crash parts to repair or replace your windshield, but they must tell you.

High-Risk Insurance

If you are in an accident, have a DUI, or have a poor driving record, you may be considered a high-risk driver. If so, you will need to fill out an SR-22 form to purchase high-risk insurance.

Below are some more common reasons that a driver might be high-risk.

  • Serious violations (such as DUI’s or reckless driving)
  • Being a new and inexperienced driver
  • Owning a high-risk vehicle (such as sports cars)
  • Letting your car insurance lapse
  • Being over 70 years of age

The catch is that companies in Utah are allowed to deny you coverage for being a high-risk driver. If you can’t find a company to cover you, you must apply to the Western Association of Automobile Plan (WAAIP) through an insurance agent.

This program will help you get insurance, but the rates will be much higher, so it is worth it to shop around at different providers first to see if you can get coverage.

Low-Cost Insurance

Only three states have government assistance for low-income families who need car insurance, and Utah isn’t one of them. Though there are still plenty of ways to cut back costs. Ask your provider about the following discounts, which are offered at almost every provider.

  • Good driver’s discount


  • Good student discount
  • Multi-car discount
  • Homeowner’s discount

Additionally, most insurance companies will have even more discounts available. So make sure to ask your provider what discounts you are eligible for, as discounts could end up saving you a nice sum!

Automobile Insurance Fraud in Utah

Automobile insurance fraud is illegal in Utah. Since over 4.8 billion was stolen in auto insurance fraud in 2007 according to the Insurance Information Institute (iii), it makes sense that Utah has created a fraud bureau to catch fraudulent claims.

If you commit insurance fraud, you face fines and/or jail time. Car insurance companies will often raise their premiums as well if they have to deal with frequent fraud — meaning that everyone suffers.

So what qualifies as insurance fraud? The two main ways people commit fraud are listed below.

  1. If a person bases a claim on a legitimate accident but then adds in a few false expenses, basically adding “extra” onto a claim.
  2. Staging an accident and creating a false claim for something that never happened

The easiest way to not commit insurance fraud is to always be as honest and accurate as possible on claims.

Statute of Limitations

A statute of limitations is the amount of time you have to file a claim after an accident. Every state has a different statute of limitations, so it is important to know your state’s time limit.

Below is the statute of limitations for Utah.

  • Personal Injury: 4 years
  • Property Damage: 3 years

Utah’s statute of limitations is fairly generous, but it is always best to file claims right away. That way, you can get the process started and are closer to receiving the money you are owed.

Unfair Claim Settlement Practices

Utah has an unfair claim settlement law. This law prohibits insurers from withholding information for clients. Why would insurers do that?

Because in case of a claim, insurers may conveniently ommit a benefit on your policy.

The best way to make sure insurers are following the law is to know your policy inside and out. That way, you will notice if even a small benefit is left out.

Vehicle Licensing Laws

Insurance and driver’s licenses are the two most important things to have. If you drive without insurance, you will face serious consequences.

Penalties for Driving Without Insurance

Since Utah requires all drivers to have insurance, there are penalties in place for being caught without it.

  • First Offense: $400 fine; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee.
  • Second Offense: $1000 fine; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee.

So not only will you have to pay fines for driving without insurance, but you will have to pay $100 to reinstate your suspended license. As a reminder, here are acceptable forms of proof of insurance in Utah.

  • Insurance ID card
  • Insurance binder
  • Insurance declaration

You need to provide proof of insurance anytime you are pulled over in a traffic stop, register a car, or are in an accident. Law enforcement can also electronically check the status of cars’ insurance.

If you violate Utah’s car insurance laws, Utah may suspend your car’s registration. If this is the case, you will receive official notice of the DMV’s intent to suspend registration and must follow the instructions accordingly.

Generally, you will have to turn in your license plate and registration until you can have your registration reinstated.

Teen Driver Laws

Teens in Utah can get their learner’s license (also known as a permit) as young as 15 years old. Before a young driver can get a license or restricted license, they must meet the requirements listed below.

Utah Teen Driver Restricted License and License Requirements Details
Mandatory Holding Period of Learner's License 6 months
Minimum Supervised Driving Time 40 hours (10 of which must be at night)
Minimum Age 16
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If a teen has a restricted license, they must follow the rules below. These rules help keep teens distraction-free in the car, which is necessary for preventing accidents.

Utah Restricted License Requirements Details
Nighttime Restrictions Midnight to 5 a.m.
Passenger Restrictions (family members excepted unless noted otherwise)No passengers (secondary enforcement)
When Restrictions can be LiftedDetails
Nighttime Restrictions Until age 17
Passenger Restrictions 6 months or until age 18, whichever occurs first (minimum age: 16, 6 months.)
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Up next, we will cover another age group with special requirements — older drivers.

Older Driver License Renewal Procedures

Older drivers have different requirements than the general population, but the good news is that these requirements aren’t too drastically different. In fact, the renewal cycle and online/mail renewal process are the same for both the general and older population.

To see how the license renewal process works, check out the requirements below.

  • Renewal Cycle: every five years
  • Proof of Adequate Vision: required at every renewal for those 65-years and older
  • Mail/Online Renewal: online permitted every other renewal

Older drivers must provide proof of adequate vision at every renewal, which means they must get their eyes checked every five years. One condition to the online renewal, though, is that drivers need to have a good driving record. If they don’t, the DMV may ask them to come in person to renew their license.

New Residents

Residents new to Utah must make sure they contact their provider. Updating your provider is important, as your provider will give you updated insurance ID cards with your new address.

Your insurer will also make sure you meet the minimum requirements for Utah, as every state is different and your last state may not match Utah’s minimums. As a reminder, here are Utah’s minimum insurance amounts.

  • $25,000 to cover costs of injury or death per person in an accident
  • $65,000 to cover total costs of injury or death per accident
  • $15,000 to cover costs of damage to property per accident
  • $3,000 PIP coverage per person

Finally, new residents must get an updated driver’s license as well, so make sure to pay a visit to your new DMV.

License Renewal Procedures

For the general population, the license renewal process is similar to older drivers.

  • Renewal Cycle: every five years
  • Proof of Adequate Vision: required when renewing in person
  • Mail/Online Renewal: online permitted every other renewal

The only difference is that the general population can go ten years without an eye check, as proof of adequate vision is only required for in-person renewals. As well, you must have a decent driving record to renew online.

If you are worried that you might forget when to renew your license, the DMV will notify you 90 days prior to your license’s expiration date.

Reckless Driving Law

Driving recklessly in a manner that endangers yourself or others is a crime in Utah. A first reckless driving charge (a class B misdemeanor) comes with the following penalties.

  • Up to six months in jail
  • Maximum $1,000 in fines
  • Possible suspended license for up to three months
  • 80 demerit points to driving record

For a second offense, license suspension is mandatory. As well, a driver’s license will be suspended if a driver collects 200 or more demerit points within three years.

If drivers are convicted of a reckless driving charge while drunk, they may be able to plead for a lesser charge known as a wet reckless.

Rules of the Road

All drivers need to know the rules of the road. Drivers who follow the rules help to keep both themselves and others safe. To help you gain a firm understanding of Utah’s road rules, we’ve covered some of the most important rules to know.

Fault vs. No-Fault

Utah is one of the few states that is no-fault. A typical at-fault state would hold the at-fault driver liable for all accident costs, such as property damage or injury costs.

In a no-fault state, though, your own car insurance provider pays for the costs of an accident (rather than the other driver’s insurance). This is why Utah requires drivers to have personal injury protection in addition to core coverages, as it is better to have more coverage in a no-fault state.

If you want to file a claim and sue an at-fault driver, you are only allowed to do so if the accident meets certain requirements.

  • The accident must have caused injuries that cost at least $3,000 in medical bills
  • Or injuries must be serious (permanent disability, permanent impairment, permanent disfigurement, or dismemberment)

These are the only situations in which a claim may be filed. Otherwise, all accident costs go directly to your insurer, which is why it is so important to have good coverage in a no-fault state!

Seat Belt and Car Seat Laws

Wearing a seat belt lowers your chance of being killed in an accident. Not wearing a seat belt in an accident will likely result in the person being thrown from the vehicle and suffering life-threatening injuries.

To protect drivers, Utah has the following seat belt law in place.

Seat Belt LawsSpecifics
Effective SinceApril 28, 1986
Primary EnforcementYes
Age/Seats Applicable16+ years old in all seats
1st Offense Fine$45 plus fees
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For child passengers, there are even more restrictions in place. Make sure child passengers are properly seated according to the law, as proper seating ensures their safety.

Required Car SeatsAge
Child Safety Seat 7 years and younger and shorter than 57 inches
Adult Seat Belt Permissible 8 through 15 years; all children 57 inches or taller
1st Offense Fine$45 plus fees
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Because Utah law doesn’t list too many specifics on child car seats, make sure to always follow manufacturers’ age and weight guidelines on car seats and booster seats.

There is also a Utah law about riding in the cargo area of a pickup truck. Riding in the cargo area is not permitted, but there are a few exceptions.

  • Employees on duty
  • Off-highway operations
  • People riding in a vehicle space intended for any load

Riding in cargo areas is extremely dangerous, which is why Utah has placed restrictions upon it. People are frequently thrown from cargo areas if the driver is driving too fast.

Keep Right and Move Over Laws

These laws are incredibly simple to follow, but not enough drivers obey them. This leads to accidents and fatalities. To stay safe and protect others, you need to follow the keep right and move over laws.

The keep right law is common sense (the directions are in the name of the law!). If you are traveling slower then general traffic, move over to the right lane.

The move over law keeps vehicle occupants on the side of the road safe. If you see a stationary emergency vehicle, tow truck, or highway maintenance vehicle with flashing lights, you must reduce your speed and move over a lane. If you can’t move over, make sure to significantly reduce your speed.

This law prevents motorists from hitting people walking around their cars on the side of the road.

Speed Limits

While no-one likes receiving a speeding ticket, speed limits make sure drivers don’t consistently travel at dangerously high speeds. Below, we have posted the MAXIMUM speed limits for Utah’s roads.

Rural InterstatesUrban InterstatesOther Limited Access RoadsOther Roads
70 mph (80 mph on specified segments of road)65 mph75 mph65 mph
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Remember that these are the maximum speed limits, so pay attention to speed limit signs as speed limits will vary.


You will need to purchase ridesharing insurance if you want to work for a ridesharing company like Uber or Lyft. While there aren’t specific companies that list ridesharing insurance in Utah, a ridesharing company will most likely have a list of acceptable insurers for potential employees.

You must also meet the basic requirements listed below.

  • A properly registered vehicle that has passed inspection
  • Clean background check
  • Be 21-years-old or older
  • At least three years of driving experience
  • Clean driving record

Different ridesharing companies may have varying requirements, but the above requirements are good guidelines to start off of.

Automation on the Road

Currently, Utah is still in the testing phase and does not have any laws restricting automation on Utah’s roads.

Curious what an automated vehicle is? There are multiple levels of automation, from automated features like cruise control to self-driving cars. Generally, most cars today have some level of minor automation.

Safety Laws

There are multiple driving laws that Utah created to help prevent reckless driving practices. Keep reading to learn about these laws and the penalties for breaking them.

DUI Laws

DUI laws carry some of the strictest penalties. Driving while drunk not only puts the drivers at risk but also everyone around them. In 2017, 53 people died from alcohol-impaired accidents in Utah.

Take a look at Utah’s DUI law before we dive into the penalties.

DUI Law in UtahDetails
Name for OffenseDriving Under the Influence (DUI)
BAC Limit0.05
High BAC Limit0.16
Criminal Status1st-2nd class B misdemeanors
3rd+ in 10 years third degree felonies
Look Back Period10 years
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The look period means that a DUI, and the resulting increased rates, will remain on your record for ten years. Utah also has a lower BAC limit than other states, as Utah changed the BAC limit from 0.08 to 0.05.

As for penalties for DUIs, they grow steadily worse with each offense.

Offense License Suspension Jail Time Fine Other
1st Offense 120 days. 2 years alcohol restricted driving privileges Minimum 48 consecutive hours OR 48 hours community service OR home confinement$1,310 minimumIID 18 months
2nd Offense 2 years. 10 years alcohol restricted driving privilege Minimum 240 consecutive hours OR 240 hours community service OR home confinement$1,560 minimumNA
3rd Offense2 years. Alcohol restricted driving privilege for life62 days up to 5 years$2,850 up to $5000IID 18 months
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A fourth offense earns the same penalties as a third offense: license suspension, fines, jail time, and an IID lock.

Marijuana-Impaired Driving Laws

Utah has a zero tolerance law for drivers under the influence of THC and metabolites. A marijuana-impaired driving charge carries many of the same penalties as a DUI.

These penalties can include jail time, fines, and license suspension.

Even if you aren’t high while driving, an officer may still find trace amounts of marijuana in your system weeks after use and charge you with impaired driving.

Distracted Driving Laws

Similar to impaired driving, distracted driving hampers the driver’s ability to be fully aware of their surroundings and have a good reaction time. Distracted driving can result from activities that range from texting to eating in the car.

All it takes is a second with your eyes off the road for an accident to happen, so Utah created the following law to limit distracted driving.

Hand-Held Ban Young Drivers All Cellphone Ban Texting Ban Enforcement
NoDrivers younger than 18All driversPrimary
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Texting is prohibited for all drivers, and drivers under 18-years-old aren’t allowed to use cellphones at all. Cellphone use is such an issue that apps have been created to detect when you’re driving and silence your phone until you get out the car.

Utah Can’t-Miss Facts

In every state, there are certain risk factors you need to be aware of. No-one wants to be in an accident, and knowing the major contributors to accidents may help you avoid one.

To stay safer on the roads of Utah, make sure to familiarize yourself with its dangers.

Keep reading to learn about everything from vehicle thefts to major causes of fatalities.

Vehicle Theft in Utah

In every state, the type of vehicles stolen vary. Sometimes the popularity of a stolen vehicle depends on what is most readily available, which is usually dependant on what car providers are in your state, or what the terrain requires (snowy states usually have more vehicles with all-wheel drive).

If you have one of the following vehicles, be aware that it is one of the top 10 stolen vehicles in Utah.

Vehicle Make and Model Vehicle Year Total Stolen
Honda Accord1997938
Honda Civic1998915
Subaru Legacy1996262
Ford Pickup (Full Size)2006238
Chevrolet Pickup (Full Size)2004225
Dodge Pickup (Full Size)2012117
Subaru Impreza1997106
Acura Integra1995103
Jeep Cherokee/Grand Cherokee1996102
Nissan Altima199797
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The FBI also put together a 2013 report on crimes that included vehicle theft by cities. Check to see if your city is a hotspot for vehicle theft.

Theft 2013
American Fork/Cedar Hills37
Big Water0
Brian Head0
Brigham City23
Cedar City28
Cottonwood Heights62
East Carbon0
Fountain Green2
La Verkin1
Lone Peak14
Mount Pleasant4
North Ogden7
North Park10
North Salt Lake52
Park City19
Pleasant Grove24
Pleasant View9
Salt Lake City1,876
Saratoga Springs5
South Jordan63
South Ogden17
South Salt Lake315
Spanish Fork12
St. George69
West Bountiful12
West Valley981
Woods Cross36
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Salt Lake City is the worst place for vehicle theft, with West Valley City coming in as a close second. If you live in these areas, make sure you have comprehensive coverage on your car to cover costs of vehicle theft or vandalism.

Dangers on the Road in Utah

Risky and harmful behavior — speeding, drunk driving, etc. — is a major cause of dangerous accidents and fatalities. In order to help you understand the dangers of the road, we will go through everything from weather conditions to crash type.

Fatal Crashes by Weather Condition and Light Condition

Weather conditions can play a role in fatal crashes, especially when it is raining or snowing.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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Fatality Rates by City

Where you live can impact the number of fatal crashes — such as traffic conditions and population. The good news is that only one city in Utah, Salt Lake City, was noteworthy enough in its number of fatalities to make the National Highway Traffic Safety Patrol’s list.

City 2016 Total Killed 2016 Pedestrians Killed Fatality Rate Per 100,000 Population
Salt Lake City 1758.77
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Traffic Fatalities

Did you know that road type influences fatality rates? Generally, more fatalities happen on rural roads than on urban roads because of the greater speeds reached.

Road Type 2008200920102011201220132014201520162017
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Utah varies each year between rural and urban having the most fatalities, though, which means Utah’s urban roads are just as dangerous.

Fatalities by Person Type

By person type, we mean the type of car driven and if the fatality is a car occupant or pedestrian rather than a driver’s personality!

Person Type 20132014201520162017
Passenger Car6989958589
Light Truck - Pickup4027383832
Light Truck - Utility2429304341
Light Truck - Van7111285
Light Truck - Other00002
Large Truck54648
Other/Unknown Occupants557187
Total Occupants152165188196185
Total Motorcyclists3145364139
Bicyclist and Other Cyclist69556
Other/Unknown Nonoccupants35241
Total Nonoccupants3746544449
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Car occupants are not the only victims of crashes. Pedestrians and cyclists are killed each year by drivers. Keeping a wary eye out on the road will help you avoid accidents.

Fatalities by Crash Type

Some crashes are simply more dangerous than others. A rollover accident has a much higher chance of a fatality than backing into a mailbox.

Crash Type20132014201520162017
- (1) Single Vehicle141146150161146
- (2) Involving a Large Truck2018392036
- (3) Involving Speeding7590647278
- (4) Involving a Rollover7980829379
- (5) Involving a Roadway Departure126128118137142
- (6) Involving an Intersection (or Intersection Related)3672627858
Total Fatalities (All Crashes)220256278281273
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Roadway departures and crashes involving a single vehicle consistently have the highest fatality rates in Utah.

Five-Year Trend for the Top 10 Counties

Below, we have included the data for the top worst counties for traffic fatality rates in Utah. Check to see if your county makes the list!

County 20132014201520162017
Salt Lake County5366766969
Utah County2124393125
Cache County101241221
Washington County1418171515
Weber County1816211915
Box Elder County513161012
San Juan County7851012
Davis County1211112711
Grand County376411
Iron County832411
Top Ten Counties Total161192220222202
All Other Counties Total5964585971
All Counties Total220256278281273
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Salt Lake City County has the most fatalities, with Utah County coming in as second.

Fatalities Involving Speeding by County

Speeding contributes to traffic deaths yearly. To help give you a picture of how many lives speeding takes each year, take a look at the county speeding deaths below.

County 20132014201520162017
Beaver County01101
Box Elder County11632
Cache County54045
Carbon County03320
Daggett County00010
Davis County74273
Duchesne County13000
Emery County22020
Garfield County02020
Grand County11113
Iron County31210
Juab County10024
Kane County10000
Millard County30114
Morgan County03113
Piute County00000
Rich County01001
Salt Lake County1623161317
San Juan County17013
Sanpete County20122
Sevier County10000
Summit County10130
Tooele County36651
Uintah County16226
Utah County1110965
Wasatch County12316
Washington County56767
Wayne County00000
Weber County84265
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Once again, the Salt Lake City area has the most fatalities.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC=.08+) by County

Drunk driving is another major problem on Utah’s roads. NHTSA collected data on the number of fatal crashes involving alcohol-impaired drivers, which we have included below.

County 20132014201520162017
Beaver County10000
Box Elder County02215
Cache County22011
Carbon County12110
Daggett County00001
Davis County32142
Duchesne County32000
Emery County00212
Garfield County10010
Grand County10303
Iron County20000
Juab County10012
Kane County01020
Millard County12410
Morgan County00000
Piute County00010
Rich County01001
Salt Lake County624131120
San Juan County21363
Sanpete County00011
Sevier County10010
Summit County00320
Tooele County24170
Uintah County05203
Utah County43554
Wasatch County00102
Washington County22232
Wayne County00100
Weber County23321
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As one of the largest cities in Utah, it makes sense that Salt Lake County yet again has the highest fatality rates.

Teen Drinking and Driving

Despite the risks, many teens participate in drinking and driving. The only upside to Utah’s teen drinking and driving stats is that Utah’s numbers are below the national average of 1.2 underage alcohol-related deaths per 100,000 people.

In Utah, the average is 0.5 underage alcohol-related deaths per 100,000 people.

Since Utah’s fatality rates are lower than the national average, let’s take a look at Utah’s arrest rates to see how well Utah is doing at preventing teens from driving drunk.

DUI Arrests (Under 18-years-old)DUI Arrests (Under 18-years-old) Total Per Million People Rank
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Utah ranks third in the U.S. for its number of underage DUI arrests. This is actually good news, as it means Utah’s low fatality rate is probably due to a high number of arrests keeping young, drunk drivers off the street.

EMS Response TIme

Now that we’ve covered crashes and fatality rates, let’s look at what happens after a crash! Take a look below to see Utah’s EMS response times in both rural and urban areas.

Road Type Time of Crash to EMS Notification EMS Notification to EMS Arrival EMS Arrival at Scene to Hospital Arrival Time of Crash to Hospital Arrival Total Fatal Crashes
Rural 5.44 minutes 19.48 minutes40.13 minutes59.19 minutes107
Urban 3.46 minutes6.64 minutes 25.78 minutes36.35 minutes152
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Utah’s urban response times are much better than rural response times. In both cases, though, you will usually be at the hospital in under an hour.


Transportation has come a long way since the horse and buggy days. We rely on modern transportation for everything, from going to the grocery store to visiting family and friends.

Keep reading to see how transportation functions in Utah.

Car Ownership

In Utah, most people rely on two or three cars for their transportation needs.

Utah Car Ownership

Commute Time

In the U.S., the average commute time is 25.3 minutes. Luckily, Utah’s commute time is a whole five minutes less at just 20.3 minutes! That extra five minutes can extremely useful in the mornings.

Utah commute time

Commuter Transportation

How do you commute each day? In Utah, driving alone is the most common method of commuting.

Utah Commuter Transportation

Top City for Traffic Congestion

Only one of Utah’s cities made it onto traffic scorecards, which is good news. If you are driving in Salt Lake City, though, be aware that traffic may add a significant chunk of time onto your commute.

City Congestion Level Morning Peak Evening Peak
Salt Lake City 16%20%43%
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Now that you’ve made it through our comprehensive guide, you are fully prepared to drive in Utah! Enter your zip code in our FREE online tool to start comparing rates today!

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