Utah drivers pay around $2,188 a year for full coverage — about 19% under the national average. The state runs on no-fault rules that require PIP, and it recently lifted its liability minimum to 30/60/25. Here's the coverage you must carry, what Utahns pay, and how to find a cheaper rate.
Utah follows no-fault rules — your own personal injury protection (PIP) covers your medical costs after a crash no matter who's at fault, with a $3,000 PIP minimum. The state lifted its liability minimum to 30/60/25, giving drivers more baseline protection than the old limits. Full coverage averages roughly $2,188 a year, about 19% under the national average, with rapid Wasatch Front population growth and winter-weather risk as the main cost factors. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Utah. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $30k / $60k | Recently lifted minimum limits |
| Property damage liability | $25k | Mandatory |
| Personal injury protection | $3,000 | Mandatory — Utah is a no-fault state |
| Uninsured motorist | Optional | Offered; may be waived |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,188/yr | 19% below U.S. | Comprehensive and collision included |
| Minimum coverage | $831/yr | ≈U.S. average | Bundles the required PIP |
Estimates apply national rate-increase multipliers to Utah's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,188/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,129/yr | +43% | 2,188 × 1.43 per Bankrate |
| Speeding ticket | ~$2,713/yr | +24% | 2,188 × 1.24 per Bankrate |
| DUI on record | ~$4,113/yr | +88% | 2,188 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,376/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$3,720/yr | +70% | 2,188 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Utah's no-fault PIP makes its minimum more protective than bare-liability states, and the higher 30/60/25 liability floor strengthens baseline coverage further. Full coverage stays well below average. With Wasatch Front growth raising urban claims and credit shaping rates, comparison shopping is the most reliable way to lock in Utah's lower baseline.
Utah is a below-average-cost, no-fault state with a recently strengthened minimum. Weighing carriers and keeping your credit healthy is the best way to secure a competitive Utah rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Utah are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Utah insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.