2025-2026 Law Change in Utah
Utah raised minimum bodily injury limit from 25/65/15 to 30/65/15 effective Jan 1 2025. Full details →
Updated April 2026 | Rank #23 of 51
Car Insurance Cost Per Month in Utah 2026
Full coverage avg
$183/mo
Minimum coverage avg
$55/mo
State minimum reqs
25/65/15
No-fault / PIP
No-fault PIP state. 2025 limit increase. Growing Salt Lake metro and high per-capita vehicle miles driven. Adjust age and vehicle below to see your estimated monthly cost.
Utah
in Utah with a Sedan
$183/month
Full coverage estimate (100/300/100 + collision + comp). -$25 below national avg
State Min$105/mo25/65/15
Standard$136/mo50/100/50
Full Coverage$183/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Utah 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $356 | $622 | Age 16page → |
| 17 | $324 | $567 | Age 17page → |
| 18 | $282 | $494 | Age 18page → |
| 19 | $241 | $421 | Age 19page → |
| 25 | $105 | $183 | Age 25page → |
| 35 | $89 | $156 | Age 35page → |
| 45 | $91 | $159 | Age 45page → |
| 65 | $99 | $174 | Age 65page → |
Average Monthly Cost by Vehicle Type in Utah
Top 3 Carriers in Utah by Market Share (NAIC Q1 2026)
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
Progressive
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Utah Car Insurance FAQs
What is the average car insurance cost per month in Utah?⌄
The average car insurance cost in Utah is $183 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $55 per month. Utah ranks #23 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Utah?⌄
Utah requires minimum liability coverage of 25/65/15. Utah is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability. See the law changes section below for recent updates to minimum limits.
Who has the cheapest car insurance in Utah?⌄
The top three carriers by market share in Utah are State Farm, GEICO, Progressive, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Utah have no-fault insurance?⌄
Yes. Utah is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Utah's minimum PIP requirement is part of the 25/65/15 minimum package.
Why is car insurance so cheap in Utah?⌄
No-fault PIP state. 2025 limit increase. Growing Salt Lake metro and high per-capita vehicle miles driven.
Is my credit score used for car insurance in Utah?⌄
Yes, in most cases. Utah allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.