Utah Car Insurance Calculators: Cost & Coverage

• Independent rate data. These rates come from MoneyGeek's analysis of Utah insurer filings via Quadrant Information Services, run for this page, not reskinned from a national dataset.
• ZIP-level tracking. The rate estimator uses your ZIP code to reflect the actual pricing for your area. A driver in ZIP 84104 (west Salt Lake City) and a driver in ZIP 84108 (east Salt Lake City) see rates $33 a month apart, and the calculator captures that difference.
• Licensed analyst authorship. Mark Fitzpatrick, a licensed Property and Casualty Insurance Producer, authored this page. The analysis goes beyond surface rates to include cross-carrier and cross-credit-tier comparisons specific to Utah.
• No advertiser influence. MoneyGeek's editorial recommendations are independent of insurance company partnerships. No carrier paid to appear here.

Most Utah drivers shop and compare between big companies, so they've only seen the ones that advertise on TV and miss the insurance companies that charge less. Sticking with a brand you know costs real money: the cheapest company in Utah charges $100 a month less than the most expensive one for the exact same driver and car.

GEICO is the cheapest at $93 a month. State Farm is the most expensive at $193 a month, charging Utah drivers $82 a month more than it charges the same driver in neighboring states like Arizona, Colorado, or Nevada. That's a bigger difference than any other company shows between its prices in different states. A driver who moved to Utah from a neighboring state and stayed with State Farm is paying $82 a month more than before, even though their age, driving record, and car are exactly the same.

Two insurance companies that charge less in Utah don't show up on any national comparison website. UAIC sells car insurance only in Utah, so it never shows up when you search for insurance quotes on any national website. For a typical adult driver with good credit and a clean record, UAIC charges $144 a month, which is less than Allstate, Farm Bureau, Kemper and State Farm. 

Auto-Owners also doesn't show up on most national comparison sites. At $94 a month for a typical adult with a clean record and good credit, it costs nearly the same as GEICO, but charges much less for young drivers and drivers with accidents or violations on their record. MoneyGeek's cheapest car insurance in Utah includes the full Utah carrier set.

Most people think of car insurance as a city-level thing: Salt Lake City versus somewhere rural. In Utah, the more important distinction happens inside Salt Lake City itself.

West Valley City, not Salt Lake City, is the most expensive city in Utah for the cheapest legally required insurance at $97 a month. Salt Lake City's citywide average is $86 a month, which is $11 a month less. The cheapest named cities in the state (Monroe, Moab) average $62 a month. But inside Salt Lake City, the price depends on your ZIP code: ZIP 84104 on the west side costs $105 a month for minimum coverage, while ZIP 84108 on the east side costs $72 a month, a $33 a month difference without leaving the city. That $33 a month difference inside one city is almost as large as the total difference between the cheapest and most expensive ZIP codes in all of Utah.

Vehicle theft in Utah happens mostly in western Salt Lake City, the same area where insurance prices are highest. Utah has far fewer car thefts than most states (54% below the national average), but they are not spread evenly across the state. If you live or park in west Salt Lake City, your car is in the area with the most thefts. That concentration of theft in one area is why your ZIP code matters more than just which city you live in.

Insurance companies use the ZIP code where your car is parked overnight to set your rate, because that's where the insurer thinks your car is most likely to be stolen or damaged. If you moved within Salt Lake City in the last year and didn't update your insurer, you may still be paying your old ZIP's rate; most people don't update their insurance when they move a few miles, especially if the move stays within the same city. That update could save up to $33 a month.

At 16, full coverage in Utah averages $944 a month. By age 19, that full coverage rate has fallen to $415 a month, a total drop of $529 a month. The largest single-year drop happens at the 18-to-19 birthday, when rates fall by $155 a month. The 24-to-25 drop is $25 a month. Waiting until 25 to get new quotes means waiting six years for a $25 drop, when a $155 drop already happened at 19. A driver who turns 19 and doesn't get new quotes overpays $155 a month. Waiting until 25 recovers only $25 of that.

Rates reach their lowest point at age 60 in Utah ($147 a month) and then start going up again. By age 70, the rate has gone up $22 a month above that lowest point. By 80, it's $74 a month above, back to where it was at age 22. Most senior drivers don't notice because the increase is gradual and they haven't compared quotes in years. 

Age 19 and age 60 are both good times to get new insurance quotes in Utah, the two ages where your rate has changed enough that a different company might now be cheaper. MoneyGeek's guide on how age affects car insurance rates shows the full Utah age breakdown by carrier and names which birthday produces the largest drop for each company.

Most drivers assume that better credit always means a lower insurance bill. In Utah, that's only true up to a point, and past that point, a higher score costs more at most carriers.

Your credit score affects your Utah rate by up to $164 a month. Full coverage averages $293 a month with Poor credit and $129 a month with Excellent credit. At 6 of 10 Utah carriers, Excellent credit costs more than Good credit. At Farmers, a driver with Excellent credit pays $185 a month while a driver with Good credit pays $129 a month, which is $56 a month more for the higher score. At Allstate, the penalty is $34 a month. GEICO, Nationwide, Progressive, and UAIC follow the same pattern. The score to target at those six carriers is Good, not Excellent. Improving past Good at any of them adds to your bill instead of cutting it.

State Farm is the exception, and the most expensive one. State Farm charges a driver with poor credit $568 a month in Utah, which is $275 a month more than what other Utah insurance companies charge a driver with the same credit score. Improving your credit saves more money if you switch to a different company first, because you start from a much lower price than State Farm's $568 a month. 

Your insurance company only checks your credit when you buy a new policy and doesn't check again while you're already covered, so your price won't go down until you ask for a new quote. MoneyGeek's guide for drivers with poor credit shows the full Utah credit tier breakdown by carrier, with specific data on which companies penalize poor credit the least and which charge more for Excellent than for Good.

A ticket or accident raises your rate immediately and keeps it higher for three years. How much it costs depends on the type of violation and which carrier you're with when it happens.

If you cause an accident, your monthly insurance price goes up by $63 a month ($756/year) in Utah. A DUI adds $76 a month ($912/year). Most Utah insurance companies don't raise your price if you were hit by someone else; 8 of 10 companies add nothing to your bill for a crash that wasn't your fault. GEICO adds $9 a month and Progressive adds $20 a month after a crash that wasn't your fault, so if you're considering either company, a not-at-fault crash can still raise your price.

After a DUI conviction, the list of cheapest companies changes completely and the order you used to choose your insurance company no longer holds. GEICO is Utah's cheapest insurance company for drivers who have no tickets or accidents on their record, at $93 a month. After a DUI, GEICO's rate rises to $183 a month. Progressive (the third-cheapest company for drivers with a clean record) becomes the cheapest after a DUI conviction, at $130 a month. 

Farm Bureau goes from $147 a month for a clean-record driver to $334 a month after a DUI, the biggest price increase of any company in Utah. A DUI driver who stays with GEICO because it appeared cheapest on a comparison site is paying $53 a month more than they would at Progressive, or $636/year in avoidable cost.

Most violations stay on your Utah driving record for three years. DUI and drug-related convictions stay for 10 years. Utah also requires you to file an SR-22 for three years after a DUI or after getting caught driving without insurance. Because both that three-year SR-22 requirement and the three-year period your violation stays on your record end at the same time, they both clear together. That means there is one good time to get new quotes: 36 months after your conviction.

Dropping to minimum coverage saves $61 a month in Utah. Minimum coverage only pays for injuries and property damage you cause to other people and it pays nothing to fix your own car. It also means that if you cause a crash where someone's injuries cost more than $30,000 to treat, you personally owe the amount above that, out of your own money.

Before deciding how much insurance to buy, decide which company to buy it from. The $61 a month you save by buying less coverage can also be saved just by switching to a cheaper company while keeping full coverage. Minimum coverage at the wrong carrier costs more than full coverage at the right one. MoneyGeek's liability vs. full coverage comparison shows what minimum coverage leaves uncovered in a Utah crash scenario.

Most Utah drivers who think about dropping the part of their insurance that covers theft, hail, floods, and fire focus on car theft first. In Utah, theft is the wrong thing to focus on.  

Utah's vehicle theft rate is 148 per 100,000 residents, a 2023 historic low that's 54% below the national rate. Vehicle theft is declining statewide and mainly happens in west Salt Lake City ZIP codes, so it isn't the main reason comprehensive coverage costs what it does for most Utah drivers. The same ZIP codes identified in the ZIP code section as the most expensive in the state (84104, 84118, on the west side of Salt Lake City) are the ones with the highest theft concentration. If you don't live or park in those ZIP codes, the statewide theft rate doesn't apply to your situation.  

For most drivers along the Wasatch Front, the bigger concern is hail, not theft. Salt Lake County and Utah County are identified in the Utah State Hazard Mitigation Plan as especially prone to large hail. A single afternoon storm during monsoon season can damage vehicles across a wide stretch of the Salt Lake metro. A driver with a newer car parked outside in the Wasatch Front is more likely to have hail damage than a driver in rural southern Utah, where hail is less common and theft rates are already low.

For financed vehicles, the lender makes the decision for you. Both comprehensive and collision are required until the loan is fully paid, regardless of where you live or how old your car is. For vehicles you own outright, compare what you pay each year for comprehensive and collision against your car's current value and your location. The Utah Insurance Department advises comparing the annual premium to vehicle value but doesn't set a threshold. 

MoneyGeek's guide on when to drop comprehensive walks through the break-even calculation with your vehicle value and deductible.

Bodily injury liability pays the medical bills and lost wages of people you injure when you're at fault, plus legal defense costs if you're sued. Utah's $30,000 per-person minimum was raised from $25,000 on January 1, 2025, but the updated starting point still doesn't cover the full cost of a serious multi-vehicle crash.

Utah law updated in January 2025 requires all new and renewed policies to carry at least $30,000 per person and $65,000 per accident in bodily injury coverage. Even the updated minimum doesn't cover a serious multi-vehicle crash in full. If you own things worth losing (a home, savings, a car) you should carry more than the state minimum.

Utah requires PIP coverage, which pays your medical bills first regardless of fault. Once PIP runs out, your bodily injury coverage pays the other driver's claim. If that claim is larger than your limit, you pay the rest personally. In Utah, a court can order you to pay the rest out of your savings or from the value of your home.

Property damage liability pays for damage you cause to other people's vehicles and property when you're at fault, including the other driver's car and any fences or structures involved in the crash.

Utah's minimum for property damage was raised from $15,000 to $25,000 per accident in January 2025. A $25,000 limit covers the repair cost of a typical used vehicle but falls short of the replacement cost of a newer car. If you cause a crash involving two newer cars, $25,000 won't be enough to cover the total damage; you'll owe the rest.

Uninsured motorist coverage pays your medical bills and repair costs when the driver who hit you has no insurance or drives away without stopping. Underinsured motorist coverage pays when the other driver does have insurance, but their limits aren't high enough to cover your actual damages.

Utah law requires insurance companies to include uninsured and underinsured motorist coverage on every policy unless you specifically tell them in writing that you don't want it. If your policy includes this coverage, it's there because you haven't sent a written rejection to your insurer. It's the default and not something you added. 

Utah's uninsured driver rate is 4.99% per Utah Insurance Department data (2025), the 2nd lowest in the country. This coverage is on your policy because of Utah law, not because the state has a high uninsured driver problem.

Collision pays for damage to your own vehicle from a crash, regardless of who is at fault. Comprehensive pays for damage from anything other than a crash. That includes hail, flooding and fire, plus theft and animal strikes.

In Utah, hail is the most likely reason a Wasatch Front driver would file a comprehensive insurance claim. Salt Lake and Utah Counties are identified in the Utah State Hazard Mitigation Plan as especially prone to large hail events. A single afternoon hailstorm can damage vehicles across a large area of the metro. Utah's statewide vehicle theft rate (148 per 100,000 residents) is 54% below the national rate and at a 2023 low, so theft isn't the main reason most Utah drivers are advised to keep comprehensive coverage. If you're still paying off your car, the bank that gave you the loan requires you to keep both collision and comprehensive coverage active until the loan is fully paid.

If you own your car with no loan on it, decide based on your car's current value and your annual comprehensive and collision cost. Where you park matters too. A Wasatch Front driver with a newer car parked outside should think about this differently than a rural Utah driver with an older car, because the hail risk and the car's value are both different.

Gap insurance pays the difference between what your car is worth at the time it's totaled and what you still owe on the loan. When a financed vehicle is totaled, standard collision coverage pays the car's current market value, not what you paid for it or what you still owe. If you still owe more on the loan than the car is worth, you have to pay that difference out of your own pocket. Gap insurance pays that extra amount so you don't have to. The difference between what you owe and what the car is worth is biggest in the first two or three years of a loan, because a new car loses value quickly while you're still paying off most of what you borrowed.

An SR-22 is a certificate your insurance company files with the Utah Department of Public Safety that confirms you have active coverage. If your result includes an SR-22, it means the calculator found something in your answers: a DUI conviction or driving without insurance, which means Utah law requires you to have one.

The Utah DMV requires your insurer to keep that certificate on file for three years. If your insurance coverage ends or is canceled at any point during those three years, your insurance company must tell the Utah Department of Public Safety, and your driver's license will be suspended until you get insurance again and pay a $100 fee. Because Utah's SR-22 requirement and the three years a violation stays on your driving record both end at the same time, your record clears and your SR-22 ends together, 36 months after your conviction. That's the best time to get new insurance quotes, because your driving record is clean again and you no longer need to file the SR-22.

Drivers who need an SR-22 but don't own a car can get a non-owner policy, a less expensive type of insurance that meets the state's SR-22 requirement even without a car listed on the policy. MoneyGeek's Utah SR-22 guide compares carrier rates for SR-22 profiles and identifies which companies price post-conviction drivers most affordably. For the non-owner path, our non-owner car insurance guide for Utah shows how the filing works when you don't have a vehicle on the policy. 

Drivers with multiple recent violations or a license suspension can find the full range of Utah carrier options in MoneyGeek's Utah high-risk car insurance guide, which covers which carriers accept high-risk applicants and at what rates.

1. Get quotes from carriers national tools skip. Most national comparison websites don't show UAIC, which only sells insurance in Utah and charges $144 a month for a typical adult driver with good credit and a clean record, less than Allstate, Farm Bureau, Kemper and State Farm. Auto-Owners is also absent from most national tools. Staying with only the brands you know from TV advertising and skipping these two means overpaying by up to $100 a month on full coverage. MoneyGeek's cheapest Utah car insurance tool includes UAIC, Auto-Owners and every other carrier writing in Utah. Rates are sorted by profile, including DUI and credit-impaired profiles that national tools don't show.
2. Re-shop on the 19th birthday, not the 25th. The largest single-year rate drop in Utah happens at age 18 to 19: $155 a month. The 24-to-25 drop is $25 a month, one-sixth as large. Every Utah driver who waits until 25 is waiting six years for a $25 drop, when a $155 drop already happened at 19 and they never took advantage of it. Get new quotes at 19, not at 25: the list of cheapest companies for a 19-year-old is different from the list for adults, and the gap between cheapest and most expensive for a 19-year-old is $207 a month. The full age-by-age rate breakdown for Utah, including which birthday produces the largest drop at each carrier, is at MoneyGeek's guide on how age affects car insurance rates.
3. Re-quote immediately when your credit improves. Utah's credit gap is $164 a month between Poor and Excellent credit. Your insurance company only checks your credit when you first sign up; it doesn't check again while you're covered, so your price won't go down until you ask for a new quote. When your credit improves, get new quotes right away; don't wait until your current policy automatically restarts, because your company won't lower your price on its own. At the six Utah carriers where Excellent credit costs more than Good, improving past Good raises your bill at those carriers instead of cutting it; stop at Good. State Farm charges $568 a month for poor-credit drivers in Utah, $275 a month above market average. State Farm customers with poor credit save more by switching carriers before improving their credit, because the improvement starts from a lower base price at any other company. MoneyGeek's guide for drivers with poor credit shows the full Utah credit tier breakdown by carrier, with specific data on which companies penalize poor credit the least and which charge more for Excellent than for Good.
4. Know your violation re-shop date. If you caused an accident: get new quotes 36 months later, when the accident comes off your driving record. DUI: also get new quotes at month 36, because Utah's SR-22 requirement and the three years a DUI stays on your record both end at the same time, so your record is fully clean and the filing is no longer required. If you currently have a DUI on your record and your insurance is through GEICO or Farm Bureau, get new quotes now instead of waiting. GEICO's rate after a DUI conviction is $183 a month; Progressive's is $130 a month, which is $53 a month in avoidable cost for every month you wait. Farm Bureau's rate after a DUI is $334 a month, the highest in the market. Full carrier comparisons for violation profiles are in MoneyGeek's Utah DUI insurance guide.