Ranked #30 of 51 by Cost
2026 Utah Car Insurance Calculator
Estimate your monthly premium based on The Beehive State averages
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Local insurance tip
Utah is a no-fault state requiring Personal Injury Protection, but Utah's PIP limit of $3,000 is among the lowest in any no-fault state and can be exhausted by a single ER visit. Upgrading your PIP limit or adding Medical Payments coverage on top of it is an inexpensive way to avoid a significant out-of-pocket medical exposure after even a minor accident.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| UT minimum | $93 | Legal bare minimum (liability only) |
| Standard liability | $149 | High Liability, no physical damage |
| Full coverage | $198 | Comprehensive ($500 ded.) |
| Premium protection | $269 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $584 |
| 20-24 | High | $327 |
| 25-54 | Standard | $198 |
| 55-69 | Low | $188 |
| 70+ | Moderate | $248 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $198 |
| Speeding Ticket | Moderate | $242 |
| At-Fault Accident | High | $293 |
| DUI / DWI | Very high | $564 |
Utah Snapshot · July 2026
$198/mo
State avg (-19% US AVG)
#30
National Rank
17%
County Spread
Rate by Neighboring States (6)
State Insight
Utah is affordable relative to most of its neighbors. Nevada is dramatically more expensive and Wyoming dramatically cheaper, the two most extreme neighboring contrasts in the Mountain West. Colorado and Arizona both sit meaningfully above Utah. Idaho is the only other neighbor cheaper than Utah, its rural character and lower litigation activity keeping it below the Wasatch Front's urban costs.
Rate by Cities (Top 25)
Compared to UT avg ($198)
City Insight
West Valley City leads the state by a notable margin. Its higher vehicle theft rates and denser urban grid pushing it above Salt Lake City proper. Saint George and Cedar City are the most affordable major cities, their southern Utah demographics and lower claim frequency keeping rates well below the Wasatch Front corridor.
Rate by Counties (29)
Compared to UT avg ($198)
County Insight
Utah's county spread is remarkably narrow, one of the tightest in the country. Salt Lake County leads modestly as the population center. The southern and rural counties like Beaver, Iron and Garfield sit at the low end but still within a modest range of the state average. Prop 103 aside, Utah's rate compression rivals California in terms of county-to-county uniformity.
What Every Utah Driver Needs To Know
What are the minimum car insurance requirements in UT for 2026?
Utah requires 25/65/15 liability minimums. Note the unusual $65,000 total bodily injury limit, plus $3,000 in Personal Injury Protection (PIP). Utah is a no-fault state, so PIP pays your medical bills regardless of fault up to that limit. Uninsured Motorist coverage is not mandated but must be offered.
Is Utah a no-fault state?
Yes, Utah is a no-fault state, meaning your own PIP coverage pays your medical bills after an accident regardless of who caused it. You can step outside the no-fault system and sue the at-fault driver for pain and suffering only if your medical expenses exceed $3,000 or your injury meets a defined severity threshold such as permanent disability, disfigurement, or dismemberment.
Why has vehicle theft increased so significantly in Utah?
Utah has seen a sharp rise in vehicle theft over the past several years, driven in part by the same Kia and Hyundai vulnerability that affected cities like Milwaukee, as well as broader trends in organized auto theft rings operating across the Mountain West. Salt Lake County in particular has seen theft rates climb well above historical norms. Comprehensive coverage — which pays for theft, has become increasingly valuable for Wasatch Front drivers as a result.
What are the penalties for driving uninsured in Utah?
Utah takes uninsured driving seriously. A first offense results in a fine of $400 and license suspension until proof of insurance is provided. Subsequent offenses carry higher fines and longer suspensions. Utah uses an electronic insurance verification system and officers can confirm coverage in real time. SR-22 filing may be required after certain violations.
Sources: Utah DMV