Utah car insurance

Whether navigating traffic in Salt Lake City, taking a road trip to Zion National Park, or driving the roads in Pleasant Grove, you can trust Progressive for customized and affordable car insurance in Utah. Learn about Utah auto insurance requirements, coverage options, and available discounts from Progressive.

What are Utah's minimum auto insurance requirements?

Drivers in Utah are required to have auto liability coverage (BI liability and PD liability), and personal injury protection (PIP) at the following minimum limits:

While these are Utah's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Utah a no-fault state?

Yes. Utah has been a no-fault state since 1974, according to the Insurance Information Institute. As a no-fault state, Utah requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.

How much is car insurance in Utah?

In 2023, the average cost of a liability-only Progressive auto policy (single car/single driver) was $119 per month.^* Rates can vary based on your driving history, ZIP code, coverage selections, and other factors. Learn more about what impacts the cost of car insurance.

What is the best car insurance in Utah?

If you're looking for the cheapest car insurance in Utah, get a quote from Progressive. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

• Allstate customers who switch and save with Progressive save $920 on average^††
• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Utah?

To lower your car insurance cost in Utah, you may qualify for the following discounts through Progressive:

• Multi-policy
• Five-year accident-free
• Non-drinker
• Paid in full
• Multi-car
• Homeowner
• Online signature
• Online quote

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Utah's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which coverages are recommended for you.

Utah driving resources

From Provo to West Jordan, get to know Utah's driving laws and resources. These resources apply to Orem, St. George, and everywhere in between. Local municipalities may have additional laws and resources.

• Utah Division of Motor Vehicles: Find out how to get or renew your Utah license and registration.
• Utah Safety Council: Review Utah defensive driving courses, traffic safety videos, learn about your car's safety features, and more.
• Utah driver FAQs: Get answers to your questions about getting a Utah driver's license, REAL ID, non-driver ID, driver education courses, and more.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.