Utah car insurance

Whether navigating traffic in Salt Lake City, taking a road trip to Zion National Park, or driving the roads in Pleasant Grove, you can trust Progressive for customized and affordable car insurance in Utah. Learn about Utah auto insurance requirements, coverage options, and available discounts from Progressive.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Utah's minimum auto insurance requirements?

Drivers in Utah are required to have auto liability coverage (BI liability and PD liability), and personal injury protection (PIP) at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$65,000 per accident
On 01/01/2025, the new state minimums will increase to:
$30,000 per person
$65,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$15,000 per accident
On 01/01/2025 the new state minimum will increase to:
$25,000 per accident
Personal Injury Protection (PIP)What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault.Minimum amount$3,000

While these are Utah's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Utah a no-fault state?

Yes. Utah has been a no-fault state since 1974, according to the Insurance Information Institute. As a no-fault state, Utah requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.

How much is car insurance in Utah?

In 2023, the average cost of a liability-only Progressive auto policy (single car/single driver) was $119 per month.* Rates can vary based on your driving history, ZIP code, coverage selections, and other factors. Learn more about what impacts the cost of car insurance.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.

What is the best car insurance in Utah?

If you're looking for the cheapest car insurance in Utah, get a quote from Progressive. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††

  • GEICO customers who switch and save with Progressive save $740 on average§

  • State Farm customers who switch and save with Progressive save $565 on average‡

How do I lower my car insurance cost in Utah?

To lower your car insurance cost in Utah, you may qualify for the following discounts through Progressive:

  • Multi-policy
  • Five-year accident-free
  • Non-drinker
  • Paid in full
  • Multi-car
  • Homeowner
  • Online signature
  • Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Utah is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Utah's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which coverages are recommended for you.

Utah driving resources

From Provo to West Jordan, get to know Utah's driving laws and resources. These resources apply to Orem, St. George, and everywhere in between. Local municipalities may have additional laws and resources.

  • Utah Division of Motor Vehicles: Find out how to get or renew your Utah license and registration.

  • Utah Safety Council: Review Utah defensive driving courses, traffic safety videos, learn about your car's safety features, and more.

  • Utah driver FAQs: Get answers to your questions about getting a Utah driver's license, REAL ID, non-driver ID, driver education courses, and more.

  • Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.

How to get car insurance in Utah

Go online

Customize your policy's coverages, limits, and deductibles.

Quote auto insurance

Call us

Talk to a licensed representative who will guide you through every step of the process.

Call 1-866-749-7436

Ask an agent

Get expert advice from an independent agent near you.

Find an agent in Utah

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†National average 12 month savings (auto = $744, bundle = $779) by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

‡National average 12 month savings of $565 by new customers surveyed who switched from State Farm and saved with Progressive between June 2022 and May 2023. Potential savings will vary.