Utah maintains moderately affordable car insurance rates with a growing population centered around Salt Lake City. The state uses a fault-based liability system with required minimum coverage, emphasizing personal injury protection and uninsured motorist coverage.
Utah Auto Insurance Facts
Drivers
- ~2.4–2.5 million licensed drivers as of 2023.
- ~90% household vehicle ownership.
- High usage of passenger cars and SUVs.
- Uninsured motorist rate around 11%.
- Public transportation usage focused in urban areas.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~15,200
| ~4,100
| 180
|
| 2019
| ~15,800
| ~4,300
| 190
|
| 2020
| ~14,000
| ~3,900
| 170
|
| 2021
| ~15,000
| ~4,000
| 175
|
| 2022
| ~15,500
| ~4,100
| 180
|
Laws & Regulations
- Fault-based liability system.
- Mandatory proof of insurance and electronic verification.
