Utah Insurance Agencies by County

How to Lower Your Car Insurance in Utah (And How Insurance Companies Score You)

Trying to reduce your car insurance costs in Utah? Whether you’re commuting along the Wasatch Front in Salt Lake City, Provo, and Ogden, driving mountain passes, or traveling long rural highways, understanding how insurers price policies can help you save.

How Car Insurance Companies in Utah Score You

• Driving history – Accidents, tickets, DUIs, and prior claims significantly affect rates.
• Insurance score – Credit-based insurance scoring is commonly used.
• Location – Rates vary by county based on traffic density and claim frequency.
• Vehicle type – Repair costs, safety features, and theft risk matter.
• Annual mileage – Fewer miles driven can lower premiums.
• Coverage choices – Higher limits and full coverage increase cost; higher deductibles may reduce it.

10 Ways to Lower Your Car Insurance in Utah

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Verify all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only coverage on older vehicles.
8. Choose vehicles with strong safety ratings and lower repair costs.
9. Avoid lapses in coverage.
10. Re-shop rates every 6–12 months.

Utah Minimum Auto Insurance Requirements

Utah generally requires at least 25/65/15 in liability coverage — $25,000 bodily injury per person, $65,000 per accident, and $15,000 property damage per accident. Utah is also a no-fault state and requires Personal Injury Protection (PIP).

Winter Driving, Wildlife, and Comprehensive Coverage

Utah drivers frequently deal with snow, ice, mountain weather, and deer collisions. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, hail, and animal impacts.

Use the county selector above to explore local insurance agencies in your area and compare options side-by-side.