Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Utah
Jerry is a free app trusted by 9,531 Utah drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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Average Utah car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in Utah, Jerry drivers pay less:
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$80 to $141 per month for state-mandated minimum coverage.
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$141 to $258 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Utahns save an average of $870 per year on coverage just by comparing their options.
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 helps you shop offers and lock in your Utah car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Bear in mind that prices vary based on your specific situation, including the age of your car, where you live and how much you drive. Here are some full coverage rates that Jerry drivers in Utah have recently gotten:
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.
Bundle home and auto insurance with Jerry
Utah homeowners face wildfire risk in the western foothills, heavy winter snowloads in the mountains, and occasional severe thunderstorms with damaging hail. Bundling home and auto insurance is a practical way to keep your combined costs down.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Utah drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Utah, shopping around helps you find the right fit.
That matters in Utah, where the Wasatch Front from Ogden to Provo accounts for most of the state’s traffic, while drivers in southern Utah and the rural west cover long distances in very different conditions. Winter driving in the mountains and a growing population along the I-15 corridor both influence what you’ll pay. Jerry works with Utah drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 11 trusted insurers in the Beehive State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Utah drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Utah
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.
Utah car insurance coverage requirements
Utah drivers are required to buy personal property and bodily injury liability insurance coverage to legally drive their car. The minimum coverage requirements in this state are:
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$30,000 for bodily injury per person in one accident.
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$65,000 for bodily injury involving two or more people in one accident.
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$25,000 for property damage.
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$3,000 for personal injury protection (PIP).
Drivers can also choose to buy at least $90,000 in combined single limit (CSL) coverage, which meets the state’s minimum bodily injury and property damage liability requirements.
While this legally meets the minimum coverage required in Utah, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering over 6% of Utah drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UM/UIM) protection.
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Coverage definitions
Factors affecting Utah car insurance rates in 2026
Winter driving on steep grades
Snow, ice and sharp elevation changes can turn canyon routes and mountain passes into serious hazards, even for experienced drivers. Collision coverage pays for your car after a winter crash, and it matters more in a state where steep grades and icy roads go hand in hand.
Deer and elk collisions
Wildlife strikes spike during fall migration, especially outside the metros and near foothill routes. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you drive at dawn, dusk or on darker rural roads.
Wasatch Front growth and congestion
As Salt Lake City, Provo and the surrounding area keep growing, traffic density and claim frequency rise right along with them. Drive defensively and consider a telematics program like Jerry DriveShield, so safer habits can potentially translate into lower rates.
Uninsured drivers
Roughly 7% of Utah drivers are uninsured, which is lower than most states but still a real risk. Jerry recommends matching your UM/UIM to your liability limits, because it only takes one underinsured driver to create a major out-of-pocket problem.
Wildfire smoke and low visibility
Wildfire seasons can blanket the Wasatch Front and surrounding valleys in smoke that cuts visibility fast. Slow down, increase your following distance and keep comprehensive coverage active because it applies to non-collision losses like falling debris and ash damage.
Long rural routes and towing distance
Outside the Wasatch Front, distances between towns and services stretch out quickly, which can drive up towing and roadside costs after a breakdown or crash. Check whether your policy includes roadside assistance, and keep an emergency kit in the vehicle for those longer drives.
Average cost of car insurance in major Utah cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $198 | |
| $181 | |
| $233 | |
| $230 | |
| $191 | |
| $171 | |
| $208 | |
| $187 |
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.
Get Utah quotes in as little as 2 minutes.
Learn more about driving in Utah
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Everything you need to know about Utah towing laws.
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Understand how no-fault insurance works in Utah.
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Understand the 6 main types of car insurance coverage.
FAQ
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Is Utah a no-fault state?
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Does Utah allow electronic proof of insurance?
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.
