See how much you can save on car insurance in Utah.

Download the app. Take a test drive around the Beehive State. Get a free quote.

Why choose Root for your Utah car insurance policy?

Fair car insurance is buzzing in the Beehive State! You already have the ‘greatest snow on Earth,’ amazing rock formations, and the honored title of Jell-O Capital of the World (yes!). But now you have fundamentally fair car insurance, too—in fact, good-driving Utahns can save up to 52% off their current rates.

What makes Root different from traditional insurers in Utah?

We base rates primarily on how you actually drive, not just demographics like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download a free app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good-driving Utahns save up to $100/month.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

It’s a good time to be a good driver in Utah.

Since Utah is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand. (Root policyholders can find their electronic proof of insurance right in the Root app.) Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of Utah—from Salt Lake City to St. George, Ogden to Provo, and in every corner of the Beehive State.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Utah?

Utah drivers are required to carry both no-fault and liability car insurance. This includes Utah residents and non-residents who have been in the state for at least 90 days.

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 found at fault. Claims against the at-fault driver can be filed after the PIP benefits are exhausted. The minimum coverage limit is $3,000 per person.

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, per accident
  • $65,000 for bodily injury total per accident
  • $15,000 for property damage per accident


  • $80,000 total for bodily injury and property damage

Proof of insurance is required in Utah during traffic stops or if you’re pulled over. Additionally, the Utah Division of Motor Vehicles works with an outside company to electronically monitor the status of your car insurance.

Valid forms of proof of insurance:

  • Insurance card (including electronic versions, like the one in your Root app)
  • Insurance binder
  • Insurance declaration

Fines and penalties when you’re caught without insurance

Driving without insurance in Utah is a Class B misdemeanor; penalties can include:

  • Driver’s license suspension
  • Vehicle registration suspension
  • $400 minimum fine for a first offense
  • $1,000 minimum fine for subsequent offenses
  • Reinstatement fee of $30 for a driver’s license
  • Reinstatement fee of $100 for a car’s registration
  • Potential filing of an SR-22 bond to show proof of insurance (can be costly, but is free with a Root policy)

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

How much are other drivers paying for Utah car coverage?

The average Utahn pays $1,068 2per year for their auto policy, but many people are paying much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers are saving up to $1,142 per year, on average—all while enjoying simple, fair car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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