Utah Car Insurance: The Complete 2025 Guide
Navigate Utah's no-fault system and find affordable coverage in America's youngest state.
Utah Quick Facts
🤯 The Utah Mindblower
Utah has the youngest median age in America (31.1 years) and the largest average family size. This means lots of teen drivers and multi-vehicle households. Adding a teen to your policy in Utah can increase premiums by 150-200%—but Utah also has robust good student discount programs.
Utah Minimum Insurance Requirements
Utah is a no-fault state with mandatory PIP coverage. Note the unusual 25/65/15 liability structure:
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $65,000 | Unusual—higher than typical 50K |
| Property Damage | $15,000 | Low—recommend increasing |
| Personal Injury Protection (PIP) | $3,000 | Mandatory no-fault coverage |
| Uninsured Motorist | Optional | Required to be offered |
Why 25/65/15? Utah's unusual per-accident limit of $65,000 (vs. typical $50,000) accounts for the state's larger family sizes—more passengers per vehicle means more potential injury claims.
Average Car Insurance Costs in Utah
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $486 | $41 |
| Full Coverage | $1,610 | $134 |
Costs by Utah City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Salt Lake City | $1,890 | +17% |
| West Valley City | $1,820 | +13% |
| Provo | $1,540 | -4% |
| Ogden | $1,680 | +4% |
| St. George | $1,480 | -8% |
| Rural Utah | $1,320 | -18% |
Teen Driver Insurance in Utah
With the youngest population in America, teen driver insurance is a major concern for Utah families.
Ways to Reduce Teen Driver Costs:
- Good Student Discount (10-25%): Maintain a B average or 3.0 GPA
- Driver's Ed Completion (5-15%): Take an approved course
- Telematics Programs (up to 30%): Progressive Snapshot, State Farm Drive Safe
- Older, Safer Vehicles: Put teens in vehicles with good safety ratings but low replacement cost
- Higher Deductibles: Teens have more fender-benders—consider $1,000+ deductibles
Top Car Insurance Companies in Utah
State Farm
Largest insurer in Utah. Strong agent network. Steer Clear teen program.
GEICO
Often cheapest for good drivers. Strong good student discounts.
Progressive
Snapshot telematics popular with Utah families monitoring teens.
American Family
Strong presence in Utah. Good multi-vehicle discounts for large families.
Bear River Mutual
Utah-based company. Competitive rates for local drivers.
Utah-Specific Considerations
No-Fault Lawsuit Threshold
Utah uses a monetary threshold of $3,000. You can only sue the at-fault driver if medical expenses exceed $3,000 OR you suffer permanent injury, disfigurement, or impairment.
Winter Driving Conditions
Mountain roads and lake-effect snow create hazardous winter conditions. Comprehensive coverage handles weather damage; collision covers single-vehicle accidents on icy roads.
Wildlife Collisions
Deer and elk collisions are common in rural Utah. Comprehensive coverage is essential for these—collision does NOT cover animal strikes.
Modified Comparative Fault (50%)
When you can sue (above the $3,000 threshold), Utah follows a 50% bar rule. You recover nothing if you're 50% or more at fault.
Bottom Line: Utah Car Insurance
Utah's combination of no-fault rules and a young population creates unique insurance challenges. The low PIP minimum ($3,000) keeps rates affordable but provides minimal medical protection.
For families with teen drivers, focus on good student discounts and telematics programs—they can save hundreds per year. Utah's multi-vehicle discounts are also generous given the large family sizes.
Shop State Farm, GEICO, and Bear River Mutual (local). Provo and St. George have the lowest rates in metro areas; Salt Lake City the highest.