Auto Insurance in Utah
The average car insurance cost in Utah is $1,450 per year for full coverage. Utah requires minimum liability coverage of 25/65/15. The state's uninsured driver rate is 7.5%, which is below the national average of 12.6%.
Top auto insurers in Utah: State Farm, GEICO, Bear River. We recommend comparing quotes from at least 5 companies, as rates can vary by 50% or more between insurers for the same driver profile.
Home Insurance in Utah
Homeowners insurance in Utah averages $1,150 per year for $300,000 in dwelling coverage. This is below the national average of $1,820/year. Rates are influenced by natural disaster risk, construction costs, and local claim frequency in the West region.
Health Insurance in Utah
The average individual health insurance premium in Utah is approximately $470/month before subsidies through the ACA marketplace. Many Utah residents qualify for premium tax credits that reduce this cost to $50-$200/month.
Minimum Insurance Requirements
Utah requires all drivers to carry minimum liability insurance of 25/65/15. This means: $25,000 per person for bodily injury, $65,000 per accident total for bodily injury, and $15,000 for property damage per accident. While these minimums are legally sufficient, most financial advisors recommend 100/300/100 coverage.
Top Insurance Companies in Utah
The largest and most popular insurance companies in Utah include:
- State Farm — Market leader in Utah
- GEICO — Competitive rates and strong service
- Bear River — Popular choice with good coverage options