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Better rates for better drivers in Utah

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Fair car insurance in Utah

From Ogden to Boulder, West Valley City to Salt Lake City, and all the way to Logan, you can now get affordable auto insurance with Root. No matter where you live in UT, download our app, complete your test drive, and see if your good driving could save you money on your car insurance quote. The best drivers could save hundreds.

How it works

Traditional auto insurance companies base your rate on demographics. That means you’re paying based on your age, ZIP code, marital status, and other factors that have nothing to do with your driving habits. Root bases your insurance rate primarily on how you drive, not who you are.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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Get your quote

You can customize and purchase your policy, all in the Root app.

State requirements for Utah car insurance

What are the minimum auto insurance requirements in Utah?

Utah is a no-fault state, so drivers are required to carry both Personal Injury Protection and Liability car insurance. This includes Utah residents and non-residents who have been in the state for at least 90 days.

Liability coverage

Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what PIP is for) or your vehicle (but Collision and Comprehensive coverages do).

Minimum liability coverage Utah drivers must carry:

  • $25,000 for bodily injury (per person)

  • $65,000 for bodily injury (per accident – multiple people injured)

  • $15,000 for property damage per accident

You can select higher limits if you’d like more coverage.

Personal Injury Protection

No-fault car insurance—also called Personal Injury Protection (PIP)—covers your household family members and your medical costs after an accident, regardless of who is at fault for the accident. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. The minimum coverage limit in Utah is $3,000 per person.

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Utah?

The average driver in Utah pays $1,300[1] per year for their auto insurance, but many people are paying much more—often to make up for bad drivers. Root doesn’t insure high-risk drivers, so Root customers could save up to $900 a year—all while enjoying simple, fair car insurance in Utah.

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Start saving on car insurance in Utah

Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020

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Root Inc.

80 E. Rich Street

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.