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Cheapest Car Insurance in Utah

The Colorado Plateau, the Rocky Mountains and the Great Basin converge in Utah to make it one of the most beautifully diverse states the country. Arches National Park is filled with natural rock formations of every shape and size while the Deer Creek Reservoir, surrounded by snow-dusted hills, perfectly reflects the wide open Utah sky. A popular hideout for wild west outlaws, “The Beehive State” holds hidden attractions in every corner. Mountain biking in Moab, snowboarding in Beaver Mountain or floating on Lake Powell, the outdoor enthusiast will have a hard time making a choice in this “Four Corners State”. is letting Utah drivers get out in nature by bringing all the necessary information on Utah car insurance together in one place. That way, “Utahans” can get up and out and on their way to the next destination in their amazing state.


Change is constant for a state like Utah. Seasons, weather, climates and winds seem to change as fast as the state’s insurance laws and regulations. Because of that, here is a list of all the useful information needed to stay protected while driving in Utah.

Utah’s Minimum Requirements for Car Insurance

  • Vehicles driven in the state of Utah must be covered by Liability Insurance.
  • Liability minimums in Utah:
    • $25,000 covers an person injured or killed in an accident.
    • $65,000 covers an accident where more than one person is injured or killed.
    • $15,000 covers the property damage portion of the accident.

New Driver Licensing Requirements

  • Utah residents who are at least 15 years old may apply for a Learner’s Permit. The applicant must pass the 50 question knowledge test and vision screening to qualify for the permit. This permit allows the applicant (under 18) to have the following driving privileges:
    • The applicant must drive 40 hours while supervised, 10 hours of which must be completed at night.
    • The applicant may drive if a licensed parent/legal guardian or driving instructor is seated in the seat adjacent to the driver.
    • The permit must be in the applicant’s possession for at least 6 months if the applicant is 17 years old or younger.
    • If the applicant turns 18 prior to the end of the 6-month holding period, he/she may apply for a driver license at that time.
  • If the applicant is 18 when applying for the permit, the following guidelines apply:
    • Must have a licensed driver who is age 21 or older in the seat adjacent to the driver.
    • Must carry the permit at all times.
  • Regular License. At age 16, if the applicant has completed all requirements for the permit phase, he/she may apply for a Regular Driver License.
  • Vision Screening. Applicants with a visual acuity of at least 20/40 and a peripheral of at least 140 degrees with or without corrective lenses may obtain an unrestricted permit. Restrictions are available for those with differing results.
  • Knowledge Test. Utah’s Driver Handbook covers all the necessary topics that are included in the knowledge test. Three attempts may be made to pass; however, on the third failure, the applicant must pay the fee again.
  • Road Test. The applicant will need to furnish the vehicle for the test, and the vehicle must be licensed, registered, insured and in good working order. The administrator will inspect the vehicle and evaluate the applicant’s following skill areas:
    • Driving posture
    • Proper use of lanes
    • Turning
    • Starting and stopping
    • Grade and Parallel parking
    • Traffic observation
    • Backing
    • U-turns
    • Steering coordination
    • Attention at intersections.
  • Fees. The following fees are due upon application submission:
    • Learner Permit: $15
    • Under 21 Driver License: $30
    • Over 21 Driver License: $25


  • BAC limit: .08 Drunk driving in Utah holds a variety of penalties, and Utah Law (§ 41-6a-502) provides the definition of DUI in the state. The following are the general penalties for a Utah DUI.
  • First Offense:
    • Jail: minimum 48 hours
    • License suspension: 120 days
    • Fine: minimum $700
    • Ignition Interlock Device (IID): 18 months
  • Second Offense:
    • Jail: minimum 10 days
    • License suspension: 2 years
    • Fine: minimum $800
    • IID: minimum 18 months
  • Third Offense:
    • Jail: minimum 60 days
    • License suspension: 2 years
    • Fine: minimum $1,500
    • Alcohol and drug treatment program
    • IID: minimum 18 months
  • Refusals receive the following penalties:
    • First Offense: 18 month license suspension
    • Second or Third Offense: 3 year license suspension
  • Felonies are mandatory for a fourth or subsequent offense(s).

Texting & Driving Laws states that Utah has banned texting for every driver, and novice drivers may not use handheld or hands-free cell phone devices.

Unique Laws

Utah has a variety of laws both old and new, and some are as unique as the state’s history. For instance, it is illegal to both fish from a horse’s back and to fish for whale. Women are not allowed to swear, one may not carry a violin in a paper bag while walking down the street and, when driving through Utah, remember that birds have the right of way on all state highways!


Best Cheap Car Insurance Quotes for Utah

Salt Lake County Car Insurance

Home to more than a million residents, Salt Lake County is Utah's most densely populated, encompassing the southeast shores of the Great Salt Lake, which is four times saltier than any of the world's oceans. The county seat and state capital is Salt Lake City, historically known as the "crossroads of the west."

Salt Lake County is a popular destination for its ski resorts and many festivals. The city of Holladay is home to presidential hopeful Mitt Romney's 5,900-square-foot home. The Bingham Canyon, or Kennecott Copper Mine, is the world's largest open pit mine, located southwest of Salt Lake City and in production since 1906.

County Sedan Suv Coupe Truck Hybrid
Salt Lake$1,214.00$1,004.00$1,182.00$1,196.00$1,251.00

Utah County Car Insurance

Abutting Salt Lake County to the north, Utah County in northern central Utah is home to more than half a million people. The largest city and county seat is Provo, a city about 43 miles south of Salt Lake City, and home to Brigham Young University.

The site of the Latter Day Saints Church's largest Missionary Training Center, Provo also holds the world's record for more than 1,000 people dressed as angels, wise men and other religious figures for the largest live nativity scene in 2014. Natural points of interest include Bridal Veil Falls and Provo Canyon.

County Sedan Suv Coupe Truck Hybrid

Davis County Car Insurance

Encompassing the Great Salt Lake's Farmington Bay and Antelope Island, Davis County extends eastward from the shore of the famous lake. Farmington, the county seat, is home to Lagoon, the oldest operating theme park in the American West. Its wooden coaster, "Old Woodie," is the third oldest in the nation.

Davis County's largest city is Layton, a well situated economic hub within easy access of Salt Lake City, airports, retail and adjacent to Hill Air Force Base. Often classified as a bedroom community, Davis County's residents are estimated to be 72 percent Mormon. Established after World War II, Hill Air Force Base is the county's largest employer and a dominant feature in its economy.

County Sedan Suv Coupe Truck Hybrid

Weber County Car Insurance

Including an eastern shore portion of the Great Salt Lake and most of the Wasatch Mountains, Weber County is home to Weber State University. Its county seat and largest city is Ogden, which lies only 40 miles north of Salt Lake City.

The county was named for the Weber River, which was named for John Henry Weber, a fur trapper and trader who lived in the area in the 1820s. Popular with visitors are the Hill Aerospace Museum, Children's Treehouse Museum, Union Station, 25th Street and George S. Eccles Dinosaur Park.

County Sedan Suv Coupe Truck Hybrid

Washington County Car Insurance

Bordering both Nevada to the west and Arizona to the south, Washington County makes up the southwest corner of Utah, bisected by Interstate 15. The largest city and county seat is St. George, a fast-growing city sited in the northeastern-most part of the Mojave Desert.

Most of Washington County is rural and sparsely populated. The eastern part of the county contains Zion National Park, one of Utah's premiere tourist attractions. Visitors also come for Snow Canyon and golf courses. The lowest point in the state, located at Beaver Dam Wash, lies near the county's southwest corner.

County Sedan Suv Coupe Truck Hybrid

Cache County Car Insurance

Named for the French word "cacher," which means "to hide," Cache County is so named because early trappers would stash pelts and other supplies in the area for safekeeping. The county lies along the northern edge of the state within a green valley, with the Wasatch Mountains to the east. To the west are the rugged Wellsville Mountains.

Logan, its county seat, is also the largest city and home to the main campus of Utah State University, the county's largest single employer. Nature-lovers visit for the Wind Caves Hike, a steep and scenic trail of about two miles located within the Uinta-Wasatch-Cache National Forest. The 5-mile Crimson Trail nearby provides a more challenging climb.

County Sedan Suv Coupe Truck Hybrid

Tooele County Car Insurance

The second-largest county in Utah by area, Tooele County lies at the state's western border, with Nevada to the west and the southwest shore of the Great Salt Lake to the northeast. Interstate 80 runs east to west through the county's northern portion.

Tooele County is home to one of the most unique places in the state, the Bonneville Salt Flats, named for an ancient sea that once covered it. The more than 30,000 acres of densely packed, white salt can be found along Interstate 80 near the Nevada border. The Great Salt Lake Desert in the county's northern section proved a major factor in the Donner-Reed Party's ill-fated journey in 1846.

County Sedan Suv Coupe Truck Hybrid

Box Elder County Car Insurance

Forming the northwest corner of Utah, Box Elder County is named for the many box elder trees that grow there. The county seat and largest city is Brigham City, known for peaches, hosting an annual Peach Days festival and parade around Labor Day.

Promontory, an area of high ground a half-hour west of Brigham City, is the site of the famous 1869 "Wedding of the Rails," where the two tracks of First Transcontinental Railroad were joined. The Golden Spike National Historic Site regularly recreates the ceremony during which the rails were joined by driving in a golden spike.

County Sedan Suv Coupe Truck Hybrid
Box Elder$1,208.00$988.00$1,165.00$1,111.00$1,238.00

Iron County Car Insurance

Named for its numerous iron mines, Iron County spans from the western border with Nevada eastward to include part of the Dixie National Forest. Interstate 15 runs through the eastern part of the county through Parowan, the county seat. The largest city is Cedar City, home to Southern Utah University.

About 180 miles north of Las Vegas, Cedar City is the site of the annual Utah Shakespeare Festival and Neil Simon Theatre Festival. Close to a number of scenic national parks and ski resorts, the area is a popular base for tourists exploring the area.

County Sedan Suv Coupe Truck Hybrid

Summit County Car Insurance

Spanning from Salt Lake City's eastern suburbs around the Wyoming southwest border, Summit County is a mountainous area with an estimated population of 37,000. It is so named because it contains 39 of the highest peaks in the state.

Interstate 80 runs through its northwest section, and the Unita-Wasatch-Cache National Forest lies to the east. Coalville, the county seat, is located along the Weber River. Park City is its largest community and only 32 miles from downtown Salt Lake City, and most noted as the site of the annual Sundance Film Festival. The city also has two major ski resorts and popular mountain bike trails.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Box Elder$1,208.00$988.00$1,165.00$1,111.00$1,238.00
Salt Lake$1,214.00$1,004.00$1,182.00$1,196.00$1,251.00
San Juan$1,214.00$1,004.00$1,175.00$1,163.00$1,251.00
Weber$1,114.00$955.00$1,084.00$1,102.00$1,124.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Reaching a record low of 1.13 percent in 2008, Utah’s average auto insurance premiums as a percentage of income were well under the national average until a spike in 2009. Since then the numbers have been well above the national average.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reported a sharp increase in Utah’s drunk driving fatalities percentage in 2011. In 2012, however, the percentage had dropped again to 16 while the nation’s average hovered around 31 percent. While the national average has remained steady the last few years, Utah’s fatalities have been on the rise.

Teen Drinking and Driving

Utah has the lowest teen drinking percentage in the country in 2011, according to the Centers for Disease Control.

Vehicular Theft in Utah

Utah saw a decline in vehicle thefts between 2011 and 2012, which brought its rate down to 210.1. The FBI recorded the national average of 2012 at 229, 19 points above Utah’s. That all changed in 2013 when the number of thefts jumped well above the national average where it remained n 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversBear River Mutual
Young driversGeico
Drivers with an at-fault crashBear River Mutual
Drivers with poor creditBear River Mutual
Retired driversBear River Mutual


State Department of Insurance

Utah Insurance Department
3110 State Office Building
Salt Lake City, UT 84114
(801) 538-3800
Get Directions

Department of Transportation

Utah Department of Transportation
4501 S. 2700 W.
Salt Lake City, UT 84114
(801) 965-4000
Get Directions

Department of Motor Vehicles

Utah State Tax Commission
Motor Vehicle Division
210 N. 1950 W.
Salt Lake City, UT 84116
(801) 297-7780 (Salt Lake area)
1-800-DMV-UTAH (800-368-8824) (Toll Free)
Get Directions

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