Good news for Utah drivers: Jerry’s latest data shows that liability coverage in the Beehive State costs about $119 per month. Over the past year we’ve helped 7,187 Utah drivers lower their premiums, and those who switch with Jerry save an average of $434 annually without giving up important protection.
Jerry compares quotes from up to 11 trusted insurers in Utah to build your policy and secure your best price in minutes.
Save on Utah insurance with Jerry.
What Utah drivers are paying right now
Auto insurance pricing in Utah shifts more than you might expect. As a no-fault state, drivers are required to carry personal injury protection (PIP), and differences in medical expenses, winter crashes and city versus rural claim patterns all shape what you pay.
Two drivers with the same car and similar records can still end up with very different premiums depending on their ZIP code, commute and coverage choices. Jerry tracks live quotes across Utah to give you a real-time look at what drivers are paying today.
Below are recent full coverage policies purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Check your rate periodically. In Utah, everything from snowstorms in the Wasatch Range to shifts in PIP-related claim costs can move your premium by renewal.
4 easy ways Jerry helps Utah drivers save on car insurance
Finding the cheapest sticker price isn’t always the smartest move. Real savings come from knowing which factors insurers weigh most in Utah and adjusting only what you can safely change.
Jerry makes that easy by comparing real offers, surfacing discounts you may not know you qualify for and showing you exactly where meaningful savings live.
Here are our top tips to help you spend less and worry less.
| How to save | Average Utah driver savings |
|---|---|
| Compare quotes | 48% to 69% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 38% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Utah’s insurance pricing depends on a surprising mix: steep canyon roads, long-distance commuting, heavy ski-season traffic, wildfire smoke impairing visibility and the state’s no-fault PIP requirements. Each insurer weighs those risks differently, which is why two quotes for the same driver can be miles apart.
Comparing rates side by side with Jerry is the quickest way to ensure you’re not overpaying.
Here’s where Utah drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Utah drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 46% | 43% |
| Bristol West | 23% | 34% |
| Clearcover | 8% | 2% |
| Dairyland | 8% | 25% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Rates can vary sharply between Salt Lake City, St. George and rural areas. Jerry shows you the full price spread instantly so you can choose the best deal.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Utah drivers qualify for more discounts than they realize, including safe-driver rewards, multi-car policies, paperless billing, bundled home and auto, good-student savings and anti-theft devices. But insurers do not reliably apply every eligible discount on their own.
Jerry identifies the discounts you qualify for so savings don’t get overlooked.
Key takeaway: Stacking discounts often unlocks larger savings than simply raising your deductible.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the simplest ways to adjust your premium. Utah drivers face snowy canyon commutes, fender benders in ski traffic, windblown gravel chips and higher repair costs in some mountain towns. Be sure to choose a deductible you can comfortably afford if a claim comes up.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this monthly).
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Decide how much you could realistically pay out of pocket.
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Compare how each deductible option impacts your rate in real time.
The Jerry difference: Jerry shows live pricing for multiple deductible levels so you can choose the right balance of cost and protection.
Jerry Agent Tip 4: Keep a clean driving record
In Utah, violations are expensive. Jerry data shows that a single infraction raises premiums by an average of 38%, whether it’s speeding , following too closely or rolling through a stop. More serious violations, like reckless driving or a DUI, cost even more.
Keeping your record clean is one of the strongest ways to control your premium over the long term. And once a ticket or violation clears, Jerry reminds you to re-shop your policy to help you capture savings as soon as you qualify.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Utah requires 25/65/15 liability coverage and personal injury protection (PIP). But because the state’s terrain, weather and medical costs vary so much, many drivers choose more robust coverage.
These are the tiers you’ll see when shopping:
Minimum
$77 – $138/mo
Meets Utah liability and PIP requirements but doesn’t protect your own car.
Full
$121 – $225/mo
Adds collision and comprehensive, often required if you lease or finance your vehicle.
Standard
$135 – $252/mo
Builds on full coverage with medical payments or stronger UM/UIM protections.
Preferred
$156 – $296/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement mean maximum protection.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time pricing across every coverage tier so you can choose confidently.
The cheapest Utah policy is minimum liability plus PIP, but adding collision or comprehensive can save you thousands if a winter crash or wildlife strike occurs.
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Coverage definitions
Utah insurance factors at a glance
Utah’s mix of urban growth and rugged terrain creates a unique insurance market. Snow-packed canyon roads, long rural stretches, wildfire impacts and big population clusters along the Wasatch Front all influence how insurers calculate risk and how much you end up paying.
Winter driving
Snow, ice and steep grades increase crash frequency, making collision insurance important.
Wildlife collisions
Deer and elk crashes spike in fall migration seasons, so comprehensive coverage is worth considering.
Urban congestion
Salt Lake City and Provo see rising injury and property damage claims.
Uninsured drivers
Roughly 7% of Utah drivers are uninsured, so UM/UIM coverage can be valuable.
Utah Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t define your rate for years. That’s why we partner with insurers that look at your full profile, not just your latest violation. We also monitor your driving record and market rates; as your record improves, we’ll alert you and help you shop for new rates.
If you got a ticket
Utah assigns points for speeding and other violations, and accumulating too many within a short period can trigger license consequences. Even a single ticket raises your premium for multiple years depending on the severity. Some drivers may qualify for a defensive-driving course to reduce the impact.
Once your record clears, Jerry checks for lower rates automatically.
Here are the average rate increases we’ve seen for Utah drivers after a ticket:
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Speeding under 15: 7%
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Speeding over 15: 9%
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Failure to obey traffic sign: 6%
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Reckless driving: 60%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Utah is an at-fault state for property damage, even though PIP covers your medical costs regardless of fault. An at-fault accident typically raises premiums by an average of 13%, and those increases often last three to five years. Jerry helps you lock in your best available rate now and revisits your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With Injury | $261 |
| Not At Fault | $299 |
| At Fault With No Injury | $322 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Utah triggers strict penalties and substantial insurance increases. Most drivers see premiums jump by 27% on average, and elevated pricing sticks around for several years.
Jerry identifies insurers offering comparatively reasonable high-risk rates and guides you through re-shopping your policy as your record improves.
Here are the five cheapest insurers for Utah drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $192 | Yes | |
| $275 | Yes | |
| $305 | Yes | |
| $326 | Yes | |
| $395 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Utah
Utah may require an SR-22 after certain violations, uninsured crashes or suspensions. You can select the SR-22 option in the Jerry app to see only insurers that handle the filing. Many charge about $25 per year for the required paperwork.
Car Insurance with Bad Credit
Utah allows insurers to use credit-based insurance scores when determining auto rates. That means your credit can influence what you pay, but it’s only one piece of the equation. Driving history, claims, coverage choices and mileage frequently matter just as much.
Maintaining continuous coverage, keeping your record clean and choosing the right deductible can help offset higher rates. Jerry compares prices across insurers instantly so you can find the best rate for your profile.
Average rates in Utah by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Drive with confidence
Utah’s blend of mountain passes, winter storms, long rural drives and growing urban congestion means there’s no single cheapest plan for everyone. The right protection is the one that fits how and where you actually drive.
Jerry makes it easy to build a policy tailored to Utah’s real-world conditions. Whenever your price can improve, we’ll also alert you and help you shop for potentially lower rates.
Get Utah quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
