Cheap Car Insurance in Utah
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Utah Car Insurance Minimums
Utah requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$30,000
Bodily Injury (per accident)
$65,000
Property Damage
$25,000
- Personal injury protection (PIP): $3,000
No-fault state.
Source: Utah Code §§ 31A-22-302, 31A-22-304, 31A-22-305(5), 31A-22-307, verified 2026-09-01.
What drives car insurance rates in Utah
Average spend per insured vehicle, 2023
$1,169
Utah drivers spent $1,169 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
68.4¢
Auto insurers in Utah paid 68.4 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.77
Utah recorded 277 traffic deaths in 2024, 0.77 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
110.5
Utah reported 3,910 motor vehicle thefts in 2025, 110.5 per 100,000 residents, from 116.5 the year before. Theft claims are paid under comprehensive coverage.
Uninsured drivers, 2023
6.2%
The Insurance Research Council estimates 6.2% of Utah drivers carried no liability insurance in 2023, against 15.4% nationally. Uninsured motorist coverage is what pays when one of them hits you.
Natural-hazard loss rank
#31
FEMA ranks Utah #31 of 51 for expected annual loss from natural hazards; earthquake accounts for 56% of that loss, and comprehensive coverage is what pays for earthquake damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Uninsured drivers, 2023: Insurance Research Council, 2023 data
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Utah
The ten insurer groups that wrote the most auto premium in Utah in 2025, with their share of the state total of $3.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 23.62% | $847 million |
| 2 | State Farm Group | 16.59% | $595 million |
| 3 | Allstate Insurance Group | 10.69% | $383 million |
| 4 | Berkshire Hathaway Group | 7.55% | $271 million |
| 5 | Bear River Mutual Insurance Co. | 5.89% | $211 million |
| 6 | United Services Automobile Association Group | 5.76% | $207 million |
| 7 | Farmers Insurance Group | 5.2% | $186 million |
| 8 | Liberty Mutual Group | 4.57% | $164 million |
| 9 | American Family Insurance Group | 3.01% | $108 million |
| 10 | Iowa Farm Bureau Group | 2.54% | $91 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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