Cheapest Car Insurance in Utah
Numbers refreshed
Insurers ranked by price where Utah publishes those figures, plus ways to lower your own bill.
- $68.what the legal minimum costs each month on average.
- 30/65/25.the minimum liability limits.
- 25th of 51.the most expensive state when ranked by price (1st = highest).
Which insurers cost the least in Utah
Utah doesn't publish a price comparison of insurers, so official figures can't rank every company there. The average cost of the cheapest legal policy is $812 a year, or about $68 a month (NAIC).
Get quotes from at least three insurers, using the same limits and deductibles for each. Prices for one driver often vary widely between direct writers, local agents and regional companies.
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $590 a year on the Utah average.
- Raise your deductible; what you save over a year often beats the extra you'd pay in one claim.
- Ask for every discount by name: paying in full, multi-car, good student, safe-driving apps, bundling home and auto.
- At every renewal, compare prices again; your rate going up doesn't mean other insurers' rates went up as well.
First written