Key Takeaways

• Dairyland, National General and Progressive offer some of the cheapest car insurance in Utah.
• The average cost of minimum coverage in Utah is around $170 per month.
• Compare quotes from multiple insurers to find cheap car insurance in Utah.

You may find cheap car insurance in Utah from insurers like Dairyland, National General and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap insurers in Utah for both minimum and full coverage, plus by age, driving history and credit score.

Cheap liability car insurance in Utah

In Utah, minimum coverage auto insurance serves as a budget-friendly way to meet the state’s legal requirements. These policies cover the costs of others’ injuries or property damage you might cause but do not reimburse your own losses. They’re a suitable option for people driving vehicles with lower replacement values.

These are the cheapest car insurance companies in Utah for minimum coverage, according to Jerry’s data. Utah drivers can save more by shopping across a variety of providers before selecting a policy.

Minimum car insurance requirements in Utah

Utah’s car insurance requirements are:

• $30,000 for bodily injury per person in one accident.
• $65,000 for bodily injury involving two or more people in one accident.
• $25,000 for property damage.

Cheap full coverage car insurance in Utah

Securing cheap full coverage auto insurance in Utah involves finding a policy that balances cost with complete coverage. Full coverage typically bundles liability, collision and comprehensive insurance — covering risks like snow damage, accidents, vandalism and theft. This ensures you’re protected whether your vehicle is damaged or you’re at fault in an accident. Utah drivers with newer or expensive cars should strongly consider this level of protection and compare offers from multiple providers to get the best rate.

These are the cheapest car insurance companies in Utah for full coverage, according to Jerry’s data.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Utah

Utah insurers typically raise rates for younger drivers due to their limited behind-the-wheel experience. Only time and a clean driving record can ease premiums. Young Utahns may qualify for savings through family plans, good grades or driving school certifications.

Below are the average costs of car insurance in Utah for drivers between 18 and 24.

Cheap liability car insurance in Utah for a 20-year-old

A 20-year-old in Utah might choose liability-only insurance to meet state laws without stretching their budget. Full coverage may be unnecessary when the car’s value doesn’t justify it. Liability offers just enough protection while keeping premiums more manageable.

These are the cheapest car insurance companies in Utah for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Utah for a 20-year-old

A 20-year-old in Utah could benefit from full coverage because even a minor accident can cause major setbacks without the right protection. This insurance helps offset repair expenses that might otherwise derail their plans. It’s a strong support system for a young adult just getting started.

Here are the most affordable insurers in Utah for 20-year-olds with full coverage policies, according to real car insurance quotes for Jerry customers.

Average auto insurance costs for mature drivers in Utah (25-54)

Utah drivers with more time behind the wheel often qualify for discounts on auto insurance due to their established patterns of safe driving. Years of avoiding accidents and tickets help reduce insurer risk and this makes them ideal policyholders in the eyes of providers.

Below are the average costs of car insurance for drivers in Utah between the ages of 25 to 54.

Cheapest liability car insurance in Utah for a 35-year-old

In Utah, a 35-year-old might choose liability-only insurance when their car’s condition no longer warrants comprehensive coverage. Their confidence behind the wheel helps reduce dependence on full policies and a full coverage approach trims premiums without ignoring legal obligations. It’s a cost-conscious decision grounded in years of driving know-how.

Here are the most affordable insurers in Utah for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Cheapest full coverage in Utah for a 35-year-old

A 35-year-old might go with full coverage insurance to manage varied weather conditions across city and rural driving. This kind of coverage keeps repairs affordable when surprises occur and it’s a practical step for those who drive regularly in mixed environments.

Here are the most affordable insurers in Utah for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.

Average car insurance costs for older drivers in Utah (55+)

Utah drivers over 55 may find insurance premiums rising due to increased sensitivity to aging-related driving risks. Abrupt weather shifts challenge even seasoned motorists and as physical agility and perception decline, insurers factor in elevated risk. Adjusting policy costs helps reflect the reality of aging behind the wheel.

Below are the average costs of car insurance for senior drivers in Utah 55 and older.

Cheapest liability car insurance in Utah for a 65-year-old

Utah seniors might choose liability-only insurance when their driving is primarily local and their car is older. Minimal driving reduces the need for comprehensive policies, making liability coverage a budget-friendly choice. This coverage fulfills legal requirements without unnecessary extras and it fits well with a more relaxed, low-risk driving routine.

These are the cheapest car insurance companies in Utah for 65-year-olds with minimum coverage, according to Jerry’s data.

Cheapest full coverage in Utah for a 65-year-old

For a 65-year-old in Utah, full coverage insurance offers protection against accidents, weather-related damage and theft. Avoiding costly repairs helps maintain financial stability in retirement. Many seniors continue to depend on their vehicles for errands and recreation, valuing the peace of mind comprehensive coverage provides.

These are the cheapest car insurance companies in Utah for 65-year-olds with full coverage, according to Jerry’s data.

Cheapest car insurance in Utah by driving history

Utah insurers rely on your driving history to forecast the likelihood of future claims. A record of past violations or accidents can raise your risk classification and this directly impacts what type of policy and pricing you receive. It’s one of the key factors in underwriting.

Cheap car insurance for drivers with clean records in Utah

A clean driving record in Utah shows that you follow road rules and prioritize safety. Insurers value this behavior and may reward it with favorable rates. It also improves your chances of accessing better coverage options in the long run.

Here are the most affordable insurers in Utah for those with clean driving records, according to real quotes for Jerry customers.

Cheapest car insurance with a speeding ticket in Utah

Speeding tickets in Utah are noted by insurers as potential indicators of reckless behavior. Even if no one is hurt, the event can still affect your premiums and your risk rating may change slightly based on the frequency of violations. Insurers use each ticket to reassess your overall profile.

These are the cheapest car insurance companies in Utah for drivers with a speeding ticket, according to Jerry’s data.

Cheapest car insurance after an at-fault accident with no injury in Utah

In Utah, being at fault in an accident suggest carelessness or inattention while driving. Insurers often respond with rate increases or adjusted terms. Even without injuries, the financial impact is considered.

These are the cheapest car insurance companies in Utah for drivers with an at-fault accident with no injury, according to Jerry’s data.

Cheapest auto insurance after an at-fault accident with injury in Utah

Injury-causing accidents where you're at fault in Utah are viewed as major insurance events. These claims tend to be more expensive and legally complex. As a result, insurers may impose stricter conditions and the accident typically affects your rates for years.

Here are the most affordable insurers in Utah for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Cheapest car insurance with a DUI in Utah

DUI violations in Utah are treated as high-risk behavior by insurance companies. They reflect a disregard for both law and public safety and insurers usually raise premiums and restrict policy options.

Here are the most affordable insurers in Utah for those with a DUI, according to real quotes for Jerry customers.

Average auto insurance costs for Utah drivers with other violations

Other offenses in Utah, like failing to yield or improper lane changes, add up over time. These violations are part of how insurers calculate your reliability and a consistent pattern can lead to higher premiums. Clean driving habits help you maintain better coverage.

Below are average car insurance costs in Utah for other driving violations or citations.

Cheapest auto insurance for low credit scores in Utah

In Utah, a low credit score can affect your car insurance rate by signaling financial instability. This may be associated with greater potential for claims and as a result, your policy options might change. Insurers use credit as part of an overall risk evaluation.

These are the cheapest car insurance companies in Utah for drivers with a credit score below 550.

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Utah

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

• Ask your insurer about discounts you qualify for.
• Install a telematics app on your phone. 
• Improve your credit score.
• Pay your policy in full.
• Bundle your home and car insurance policies with the same company. 

More: Best car insurance companies

Factors that affect car insurance costs in Utah

How much you pay for coverage depends on a variety of factors, including your:

• ZIP code.
• Driving history.
• Vehicle’s year, make, and model.
• Claims history.
• Car usage and miles driven.
• Deductible amount.

More: How car insurance rates are calculated

Cheapest car insurance data 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.

On this page

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