Utah is a , meaning your own insurance typically covers your medical expenses first, regardless of who caused the accident. Minimum Coverage (30/65/25) : $30,000 bodily injury per person. $65,000 bodily injury per accident. $25,000 property damage per accident.
: Typically the cheapest overall in Utah at roughly $1,312 per year for full coverage, though restricted to military members and their families. cheap car insurance utah
Insurance rates vary by driver profile, but the following companies consistently offer the most competitive rates: Utah is a , meaning your own insurance
: Combining auto insurance with home or renters insurance can yield significant discounts. $25,000 property damage per accident
: Drivers under 25 with a 3.0 GPA or higher can often secure a "Good Student" discount through providers like Geico or State Farm .
AI responses may include mistakes. For financial advice, consult a professional. Learn more Cheapest Car Insurance in Utah for 2026 | U.S. News
Your location within Utah significantly impacts your premium. Generally, rural areas and smaller cities offer lower rates than dense urban centers. Cheapest Cities Avg. Monthly Rate Most Expensive Cities Avg. Monthly Rate Kearns Cedar City Lehi ~$150-$176 Hurricane West Valley City ~$180-$221 St. George Salt Lake City ~$153-$198 (Data compiled from multiple April 2026 reports) Legal Requirements & Laws