Is Utah a no-fault state?

Yes, Utah uses a no-fault system for bodily injury claims, so personal injury protection (PIP) helps pay your covered medical expenses and other benefits after an accident regardless of fault. Utah generally limits claims for general damages unless medical expenses exceed $3,000 or the injured person has a qualifying serious injury , such as a bone fracture, permanent impairment, or disfigurement.

How do I lower my car insurance in Utah?

You may lower your rate by maintaining a clean driving and claims history, qualifying for discounts, or adjusting your coverage and deductibles. You may also save more by enrolling in Snapshot , our usage-based insurance program that personalizes your rate based on your actual driving. Lastly, you could also compare quotes from multiple insurers to see if you could get a better rate with a different company.

How can I easily compare Utah car insurance quotes?

Progressive's rate comparison tool lets you compare quotes with other insurers side-by-side, so you can see if there's a better rate for your desired coverage.

Insure-Rite works with the Utah DMV to verify that registered vehicles have insurance. They compare vehicle registration records with insurance policy information and may contact you if they can't verify coverage. If you don't provide proof of insurance, Insure-Rite may notify the DMV, which can revoke your vehicle registration.

What happens if I drive without insurance in Utah?

Driving without the required insurance is a Class B misdemeanor in Utah. The minimum fine is $400 for a first offense and $1,000 for a second or subsequent offense within three years. You may also face suspension of your vehicle registration and driver's license.

Do I need insurance to register a car in Utah?

Yes. Utah requires applicable vehicles to maintain insurance throughout the registration period. Nonresidents whose vehicles have been physically present in Utah for 90 days during the previous 365 days must also maintain Utah no-fault insurance while the vehicle remains in the state.

Utah car insurance

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Getting car insurance in Utah

Utah drivers navigate busy stretches of I-15 along the Wasatch Front, steep canyon roads, and winter weather that can suddenly make driving risky. Choosing the right car insurance means finding coverage that fits those everyday risks as well as your budget. With our rate comparison tool, you can see how your Progressive quote compares with rates from other insurers.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Utah?

Utah requires drivers to carry liability insurance and personal injury protection (PIP) with at least the following limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$30,000 per person $65,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$25,000 per accident
Personal injury protection	Medical expenses, lost income, and other covered costs after an accident, regardless of fault	$3,000 per person

Utah auto policies also generally include uninsured and underinsured motorist bodily injury coverage. Drivers may reject these coverages or select lower limits in writing, subject to state requirements.

While these are Utah's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need.

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Car insurance discounts in Utah

Progressive offers several ways to save on car insurance in Utah. Popular discounts include:

SAVINGS!

Bundle & save
Save when you have more than one type of insurance policy with Progressive. You may qualify when you combine auto insurance with home, renters, motorcycle, boat, or another eligible policy.
Online quote
Save when you start your auto insurance quote online. You may still qualify if a licensed Progressive representative finishes the quote with you by phone.
Multi-car
Save when you have more than one vehicle listed on your auto policy. Vehicles belonging to a spouse, family member, or roommate may qualify if they're primarily kept at your address.

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What is the average cost of car insurance in Utah?

Car insurance costs an average of $129.91 per month in Utah for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Utah

Several factors affect how much you pay for auto insurance in Utah, including:

Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
Location: Rates may reflect traffic, theft, weather, and claim frequency where you live. Utah drivers may face different risks in and around Salt Lake City, along the Wasatch Front, in mountain communities, and in areas with frequent winter weather.
Vehicle use: How often and how far you drive may affect your rate.
Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.

Recommended additional auto insurance coverages in Utah

Utah's required liability and PIP coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events
Collision	Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object
Rental reimbursement	Cost of a rental vehicle while your car is being repaired after a covered loss, subject to your policy's limits

If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.

Utah driving resources

Use these resources to learn more about Utah driving laws, insurance requirements, vehicle registration, road safety, and current road conditions.

Utah Division of Motor Vehicles (DMV): Find information about vehicle registration, insurance requirements, and other motor vehicle services.
Utah Insurance Department: Review auto insurance requirements, coverage information, consumer guidance, and complaint resources.
Utah Highway Safety Office: Find information about distracted driving, impaired driving, speeding, seat belts, motorcycle safety, and other traffic-safety programs.
UDOT Traffic: Check current traffic, crashes, construction, road closures, cameras, and weather-related road conditions.

How to get car insurance in Utah with Progressive

Progressive gives Utah drivers several ways to get a quote and compare coverage. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.

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Utah car insurance FAQs

Yes, Utah uses a no-fault system for bodily injury claims, so personal injury protection (PIP) helps pay your covered medical expenses and other benefits after an accident regardless of fault. Utah generally limits claims for general damages unless medical expenses exceed $3,000 or the injured person has a qualifying serious injury, such as a bone fracture, permanent impairment, or disfigurement.
You may lower your rate by maintaining a clean driving and claims history, qualifying for discounts, or adjusting your coverage and deductibles. You may also save more by enrolling in Snapshot, our usage-based insurance program that personalizes your rate based on your actual driving. Lastly, you could also compare quotes from multiple insurers to see if you could get a better rate with a different company.