Utah Car Insurance
Whether you and your friends are heading out to hike in one of Utah’s five national parks or you’re commuting into Provo for work, a Farmers Flex Personal Auto® policy offers coverage options designed for how you drive today. Discounts can help make coverage even more affordable.
What is the average cost of car insurance in Utah?
Utah drivers paid an average of $1,029 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Utah?
A car insurance policy with a minimum amount of liability and personal injury protection coverage is required in Utah. However, minimum coverage may not be the full extent of coverage you want.
As of February 2023, 25/65/15 liability coverage limits are the minimum required in Utah.
COVERAGE TYPE
UTAH MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $65,000 per accident
Property damage liability
$15,000 per accident
Personal injury protection
$3,000 per accident
COVERAGE TYPE
Bodily injury liability
UTAH MINIMUM REQUIREMENTS
$25,000 per person; $65,000 per accident
COVERAGE TYPE
Property damage liability
UTAH MINIMUM REQUIREMENTS
$15,000 per accident
COVERAGE TYPE
Personal injury protection
UTAH MINIMUM REQUIREMENTS
$3,000 per accident
What does car insurance typically cover in Utah?
A typical car insurance policy in Utah includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in Utah with a Farmers Flex Personal Auto policy.
Utah car insurance discounts
Farmers offers a variety of discounts for drivers in Utah. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Utah.
Bryce Canyon
More coverage options in Utah
Learn From Experience
Still have questions about cars and car insurance in Utah? We have answers.
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
