Short answer: car insurance in Utah depends on your ZIP code, coverage level and driver/home profile. Utah's state minimum car insurance is 25/65/15. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Utah is about $1,169 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Utah car insurance basicsUtah is a
no-fault state for auto insurance. Minimum car insurance in Utah:
25/65/15 — $25k bodily injury/person, $65k/accident, $15k property damage. Statewide average premium:
~$1,169/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Utah
Utah car insurance FAQ
How much is car insurance in Utah?
The average annual car insurance premium in Utah is about $1,169 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Utah?
Compare multiple carriers, bundle policies, and check local Utah discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Utah →