Car Insurance in Utah
Numbers updated
What Utah drivers pay, the legal minimum and which insurers cost the least.
- $117.the average monthly price for full coverage.
- 30/65/25.the minimum liability limits.
- 25th of 51.the most expensive state (1st = highest).
How much car insurance costs in Utah
With full coverage, the average Utah driver pays $1,403 a year, or about $117 a month. Policies that carry only the legal minimum average $812 a year. That figure is 13% below the US average, $1,613 a year.
| Coverage in Utah | Per year | Per month |
|---|---|---|
| Liability | $812 | $68 |
| Collision | $414 | $35 |
| Comprehensive | $176 | $15 |
| Full coverage (all three) | $1,403 | $117 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Utah's legal minimum
Utah law sets the minimum liability coverage at 30/65/25. Each person hurt in a crash is covered up to $30,000, everyone hurt in one crash up to $65,000, and damage to other people's property up to $25,000.
Utah follows a no-fault system: after a crash, your own policy pays your medical bills, whoever caused it.
You aren't required to have uninsured motorist cover. Insurers still have to offer it in most states.
How many Utah drivers lack insurance?
In 2023, about 6% of Utah drivers had no car insurance, the 50th highest share of the 51. If one of those drivers hits you, uninsured motorist cover pays your bills.
Originally written