The Complete Guide to Utah Car Insurance
Lemonade is on the way to the Beehive State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things UT car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Utah?
Car insurance in Utah averages $224/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Salt Lake City | $272 |
| West Valley City | $291 |
| West Jordan | $275 |
| Provo | $261 |
| St. George | $227 |
Source: ValuePenguin
Why is car insurance so high in Utah?
Utah drivers face unique risks that drive insurance costs
Uninsured drivers
While only 6.5% of drivers in Utah are uninsured (vs. 13% nationally), other factors like repair costs and claim frequency drive premiums higher.
Car theft
FBI data shows there were 4,204 reported motor vehicle thefts in 2024 in UT, down 17% from the previous year.
Natural disasters
UT has a relatively low FEMA disaster rating of 45, lowering comprehensive coverage costs, though earthquake and wildfire are still threats.
What car insurance do I need in Utah?
All Utah drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Utah drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $30,000 (per person) $65,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $25,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
| Personal injury protection (PIP) | $3,000 | Your medical bills and often lost wages after any car accident, regardless of who’s at fault | Car damage, pain and suffering, may have limits on who’s covered |
| Uninsured/Underinsured Motorist Bodily Injury | $25,000 (per person) $50,000 (per accident) | Your injuries caused by drivers with no insurance OR not enough insurance | Car damage, amounts above your limits |
What additional car insurance coverages are offered in Utah?
Beyond state minimums, these optional coverages provide
extra protection for Utah drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Utah?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from desert rock crawling
How much car insurance do I need in Utah?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Utah labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| South Jordan | $81 | $95 | $154 | $81 |
| Salt Lake City | $81 | $95 | $154 | $81 |
| Clearfield | $81 | $94 | $155 | $81 |
| Lehi | $81 | $104 | $144 | $81 |
| Ogden | $81 | $94 | $155 | $81 |
Source: Caliber
What happens if I drive without insurance in Utah?
Utah takes uninsured driving seriously, and the penalties add up fast.
Fines
$400 first offense, $1,000 second offense (especially after accidents).
Suspension
License suspended until insurance proof provided first time, one year mandatory for accidents/second offense.
Jail time
Utah focuses on fines and suspensions rather than jail time for insurance violations.
What do you need to get a car insurance quote in Utah?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Utah?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Utah car insurance FAQs
Is Utah a no-fault state?
Yes, Utah is a no-fault state. You’re required to carry Personal Injury Protection (PIP) coverage for medical expenses. The no-fault system limits lawsuits for minor injuries, you can only sue if injuries exceed specific thresholds.
Do I need insurance to register a car in Utah?
Yes, Utah requires insurance to register a vehicle. You must carry minimum liability coverage and no-fault Personal Injury Protection (PIP). Proof of insurance is required during registration, and coverage must stay active.
What are the top risks for driving in Utah?
Utah’s winter snow, mountainous terrain, and steep grades create challenging driving conditions. Weather can change rapidly at higher elevations, while urban areas experience traffic congestion and aggressive driving. Wildlife crossings are frequent in rural mountain areas.
How long do I have to report an accident in Utah?
Utah requires accidents involving injury, death, or property damage of $1,500 or more to be reported immediately to law enforcement. If police don’t investigate, you must file a report with the DMV within 10 days. Not reporting can lead to fines or license issues.
What are the top safety tips for driving in Utah?
In Utah, slow down on mountain roads and during winter storms. Weather can change instantly at higher elevations. Stay alert for wildlife in rural areas. Give yourself extra space in city traffic.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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