Compare car insurance quotes in Utah
Jerry is a free app trusted by 9,241 Utah drivers that compares insurance quotes from top carriers.
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Buy, bundle and switch right in the app.
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Average Utah car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Utah, Jerry drivers pay less:
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$80 to $142 per month for state-mandated minimum coverage.
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$138 to $260 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 $850 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
One of the best ways to save on home insurance in Utah is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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.
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.
While this makes you legal to drive, 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 (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 high-risk driving, even for experienced drivers. Collision coverage is the main protection for repairs after an accident, and it tends to matter more when winter roads are involved.
Deer and elk collision exposure
Wildlife collisions often spike during fall migration seasons, especially outside the metro areas and near foothill routes. Animal impacts generally fall under comprehensive coverage, so it’s worth keeping if you do a lot of driving at dawn, dusk, or on darker rural roads.
Wasatch Front growth and congestion
As Salt Lake City, Provo, and surrounding areas keep growing, traffic density and claim frequency usually rise with them. More fender benders and injury claims can push premiums up, particularly for daily commuters.
Lower uninsured share, still a real risk
Roughly 7% of Utah drivers are uninsured, which is lower than many states. UM/UIM coverage can still be valuable, since you only need one underinsured driver to create a major out-of-pocket problem.
Wildfire smoke and low-visibility driving
Wildfire seasons can bring smoke that reduces visibility and increases the risk of chain-reaction crashes. Slowing down and increasing following distance helps, and comprehensive coverage can help with certain non-collision losses (like falling debris).
Long rural routes and towing distance
Outside the Wasatch Front, drivers often face longer distances between services, which can raise the cost of towing and roadside help after a breakdown or crash. If you drive rural routes regularly, it’s worth checking whether your policy includes towing or roadside assistance so the secondary costs don’t pile up.
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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City
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Average monthly cost
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|---|---|
| $197 | |
| $180 | |
| $233 | |
| $230 | |
| $194 | |
| $172 | |
| $209 | |
| $192 |
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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Learn about personal injury protection (PIP) insurance.
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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.
