Utah law requires every driver to carry minimum liability insurance of 25/65/15 (bodily injury per person / per accident / property damage). The average cost for minimum coverage in Utah is $43/month. But is the minimum enough? Here's what you need to know.
(888) 217-6781This means Utah will pay up to $25,000 for one person's injuries, $65,000 total for all injuries in an accident, and $15,000 for property damage you cause. You pay anything beyond those limits out of pocket.
| Coverage Level | Annual Cost | Monthly Cost | What's Covered |
|---|---|---|---|
| Minimum Liability (25/65/15) | $520 | $43/mo | Other people's injuries & property only |
| Full Coverage (100/300/50) | $1,840 | $153/mo | Everything — including your own vehicle |
Full coverage adds comprehensive (theft, weather, animals) and collision (accidents) to protect your own vehicle. If you have a car loan or lease, your lender requires full coverage.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $612 | $102/mo |
| GEICO | $696 | $116/mo |
| Bear River Mutual | $738 | $123/mo |
| Progressive | $786 | $131/mo |
| State Farm | $858 | $143/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
Compare 5+ carriers. Free, no-obligation quote from a licensed agent.
(888) 217-6781Rates vary by city. Find rates for your area:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Free quote · No obligation · Licensed agents · Under 2 minutes