Car Insurance Cost Per Month in Utah

On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Utah carrying liability, collision and comprehensive averaged $107 a month, and the liability portion alone $62. The average insured vehicle in the state cost $97 a month, whether or not it carried the physical damage coverages, which ranks Utah #31 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.

Utah requires minimum liability coverage of 30/65/15. 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.

The top three carriers by market share in Utah are State Farm, GEICO, Progressive, per NAIC market share 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.

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 30/65/15 minimum package.

No-fault PIP state. 2025 limit increase. Growing Salt Lake metro and high per-capita vehicle miles driven.

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.