The Ultimate Utah Car Insurance Guide (Costs + Coverage)

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications.  As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...

Licensed Insurance Agent

UPDATED: Feb 16, 2024

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Utah Statistics SummaryDetails
Road MilesTotal in State: 46,153
Vehicle Miles Driven: 27,554 Million
VehiclesRegistered: 2,076,482
Total Stolen: 7,298
State Population3,161,105
Most Popular VehicleFord F-150
Percentage of Motorists Uninsured8.20%
State Rank: 39th
Driving DeathsSpeeding (2008-2017) Total: 851
Drunk Driving Total: 468
Average Premiums (Annual)Liability: $497.53
Collision: $265.90
Comprehensive: $109.50
Cheapest ProviderUSAA + Geico

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Located in the Western United States, Utah is the 13th-largest state by area, 30th-most-populous state, and 11th-least-densely populated of the 50 United States. Utah is also one of the four-corner states.

Utah is known for its diverse terrain. Its topography includes wetlands, canyons, mountains, deserts, reservoirs, basins, and plateaus. The scenic landscape is sure to wow you – whether you’re traveling by foot or by car.

Home to more than 3 million people and just over 2 million registered vehicles, Utah is one of 48 states that requires all drivers – young and old to have car insurance.

Finding a car insurance policy can be daunting. But don’t be scared. We’ve created this ultimate guide to Utah auto insurance just for you.

In this guide, we will cover topics like car insurance types, rates, safety laws, risks of the Utah road, insurance statistics and much more.

We can also present you with the top 10 insurance providers whether you live in a big city like Salt Lake City, West Valley City, or Provo, or a lesser populated area such as West Jordan or Sandy.

We can’t wait to get started, so buckle up and enjoy the ride as we start our journey through Utah auto insurance. Want to get started comparing rates right now? Enter your zip code in this box to get started.

Table of Contents

Utah Car Insurance Coverage and Rates

We know that finding the right auto insurance coverage and an affordable rate can be confusing – especially when you don’t know what you’re paying for or why you need it.

An insurance policy should be as unique as your vehicle; your insurance policy rate is often based on what kind of coverage you have.

In this section below, we will cover Utah insurance laws, coverage, and rates so you can make the best decisions possible when it comes to your policy.

But first, let’s go over Utah’s car culture. This will help you better understand Utah’s car insurance laws.

Utah’s Car Culture

Much of Utah’s car culture begins with the Mormon pioneers who moved to Utah back in 1847.

According to the Hartford, after Utah became a state in 1896, various groups of people with their own reasons to head West continued to traverse its sometimes otherworldly terrain, despite the challenges it presented.

Some of these historic routes through Utah history can still be followed to this day – by car, of course.

Several National Historic Trails wind through the state, commemorating the Pony Express, the expansion of train service across the nation, the travels of the early Mormons, and the trek to California in search of gold.

Utah’s Minimum Car Insurance Requirements

Just like 47 other states in the U.S., Utah requires every driver to carry a car insurance policy. However, Utah is one of a dozen or so states considered to be a no-fault car accident state.

What is a no-fault car accident state?

According to NOLO, a no-fault car insurance state means that if you cause an accident and involve another driver, you are not technically required to pay for damages and/or medical intervention resulting from that accident.

Under no-fault, after a car accident, your own car insurance coverage (in Utah, that means your “personal injury protection” coverage) pays for medical treatment and other out-of-pocket losses incurred by anyone covered under the policy, up to coverage limits, regardless of who caused the accident.

But with a no-fault claim, you can’t get compensation for your “pain and suffering” and other non-monetary damages stemming from the accident.

But what does all this have to do with insurance?

The state of Utah has a minimum liability insurance law.

What does liability insurance cover?

Liability insurance is usually a safety net type of insurance. If you get into a car accident, vehicle repairs can cost thousands of dollars and not everyone has that kind of money just lying around.

Liability insurance is there to help you cover these costs, but keep in mind that having liability insurance may not cover every cost resulting from an accident. That’s why having more insurance is always better.

Utah’s minimum liability insurance requirements are:

  • $3,000 in personal injury protection coverage
  • $25,000 in liability coverage, per person, for bodily injury after an accident you cause
  • $65,000 total liability coverage per accident, when more than one person suffers bodily injury after an accident you cause
  • $15,000 per accident for property damage you cause in a car accident

Are you looking for more insurance than just the minimum required?

Additional coverage options are coming up soon.

Forms of Financial Responsibility

What is a form of financial responsibility? This is just a fancy term for proof of insurance. All drivers are required to show proof of insurance, license and registration every time a law enforcement officer requests to see it.

Acceptable forms of insurance are:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Picture proof of insurance on your smartphone
  • Electronic proof of insurance

According to the Utah State Legislature, Utah has an insurance monitoring system that can verify if you have let your insurance policy lapse in the last three months.

If your lapsed policy appears in the Utah database, the DPS will send you a notice which you must reply to with an attachment of your proof of insurance within 15 days.

What happens if you fail to show a form of financial responsibility?

Drivers who fail to provide proof of insurance are subject to a $400 fine plus $50 surcharge on your first offense, and $1,000 plus $50 surcharge on your second and subsequent offenses.

If you’re caught driving without proof of insurance a second time, you may have your license suspended until you can provide the correct documents.

Insurance can sometimes cost you less than $1000 per year — so there’s no reason to risk driving without proof of insurance or an insurance policy.

Premiums as a Percentage of Income

In 2014, Utah’s average per capita disposable income was $33,566. This is the amount of money a person takes home after paying taxes.

When you break this down monthly, Utah residents have about $2700 to spend on groceries, living expenses, and insurance every month.

But what exactly do Utah residents spend a year on car insurance alone?

A full coverage insurance policy cost $852.66 a year in 2014. This means Utah drivers spend an average of 2.54 percent of their per capita salary a year on car insurance alone.

The same year, countrywide, Americans had an average per capita income of $40,859 and spent $981.77 per year on a full coverage car insurance policy.

When we look at surrounding states, Colorado had a higher per capita income of $43,609 and Colorado drivers paid an average of $939.52 for car insurance.

Idaho had a much lower per capita income of $33,600 and paid an average of $673.13 per year on a full coverage policy.

Over the span of three years from 2012-2014, Utah residents saw an average income increase of about $1500. Insurance costs increased by about $47.

Looking for a way to calculate your insurance costs? Check out our handy dandy tool below.

CalculatorPro

Core Car Insurance Coverage in Utah

Coverage TypeAnnual Cost (2015)
Liability$497.53
Collision$265.90
Comprehensive$109.50
Combined$872.93

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The information from the table above is pulled directly from the National Association of Insurance Commissioners. The NAIC is one of the most reputable sources in the car insurance world.

Please keep in mind that because these costs are from 2015, you can expect rates to be increased today.

The countrywide average cost for car insurance is $981.77 per year. Utah’s average falls slightly below at $852.66 for yearly coverage.

Purchasing more than the minimum amount of insurance required is always recommended. Further below in this guide, we will get into why this is so important.

Looking for more coverage options to add to your existing policy? All this and more up next.

Additional Liability Coverage in Utah

Loss Ratio201420132012
Personal Injury Protection69.57%68.49%72.48%
Medical Payments171.79%126.2%143.55%
Uninsured/Underinsured Motorist Coverage72.36%70.77%68.5%

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Personal injury protection, medical payment, and uninsured/underinsured motorist coverage all are optional add-on policies that any driver can add on to any plan.

Even though they are not required to have by the state, it is still a great idea to carry these types of coverages.

Want to know why? We thought you’d never ask.

8.20 percent of Utah drivers are completely uninsured. This ranks Utah 39th in the U.S. for uninsured drivers.

What happens if you get hit by an uninsured driver and you want to sue them for damages? Chances are, you’ll never see any of that money because that uninsured driver will likely go bankrupt trying to pay for repairs and medical bills.

This is where uninsured motorist coverage steps in to help out.

Check out this loss ratio table above for a minute. Loss ratios are how we measure a company’s financial strength.

Loss ratio percentages how we can see how many filed claims were paid and how many filed claims were unpaid. But why is this important?

If a company has a loss ratio percentage that is too high (over 100 percent) then the company could be at risk of going bankrupt because it has paid too many claims – some of which may have been fraudulent.

On the other hand, if a company has a super low ratio (under 50 percent) then the insurance company may be scamming you as well we other clients.

This is bad for insurance company clients because they have a 50 percent chance or less of their claim being paid. Ouch.

If you look at the table above, the medical payments loss ratio percentage is well over 100 percent – in fact, it was at 171 percent in 2014. This means that 171 percent of filed claims were paid out. This is no bueno.

So, what should you look for when interviewing new car insurance companies? Find a company with a loss ratio percentage between 50-100 percent.

Add-ons, Endorsements, and Riders

Your insurance policy should be as unique as you are.

But are you looking for even more coverage? Below is a list of coverage options you can add to your policy at any time. Click on the links to learn more about each type of coverage.

Choose one, or choose them all. The choice is up to you. Just remember the more car insurance, the better.

Male vs. Female Annual Car Insurance Rates in Utah

Did you know gender, marital status and age are all factors that can affect your car insurance rate?

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,291.16$2,124.28$2,080.31$2,080.58$7,131.66$7,968.85$2,433.88$2,420.66
American Family Mutual$2,061.52$2,061.52$1,895.69$1,895.69$7,447.08$9,734.69$2,061.52$2,432.42
Mid-Century Ins Co$2,122.25$2,096.76$1,874.89$1,996.87$9,007.70$9,276.70$2,403.87$2,484.88
Geico Cas$1,913.89$2,132.40$2,102.55$2,444.23$5,712.14$6,093.85$1,659.40$1,666.10
SAFECO Ins Co of IL$2,424.16$2,609.54$2,009.88$2,240.08$9,510.32$10,560.25$2,555.09$2,712.73
Depositors Insurance$1,925.73$1,948.00$1,721.22$1,812.40$5,226.02$6,649.99$2,224.59$2,384.61
Progressive Classic$2,097.59$1,950.05$1,716.07$1,829.17$8,562.83$9,521.67$2,421.45$2,541.96
State Farm Mutual Auto$2,831.94$2,831.94$2,574.96$2,574.96$8,675.15$10,787.39$3,211.87$3,678.46
USAA CIC$1,429.68$1,404.80$1,283.35$1,282.42$5,021.49$5,867.34$1,738.92$1,900.76

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Most people think women pay more for car insurance than men do. However, this is not the case. Men generally pay more for car insurance than women do. If you’re married, car insurance companies may look past your gender and give you a break on your rate.

Are you 17 years old and sticker shocked about how much you’ll have to pay for car insurance once you get your license?

Car insurance companies know inexperienced drivers are more likely to get into a car accident than older drivers. This is why younger drivers pay more for car insurance.

Don’t worry kiddos, if you keep a clean record, your rates are likely to decrease once you turn 25.

Rates in Utah’s 10 Largest Cities in Utah

Do you live in one of Utah’s ten most populated cities?

Here’s a list below of rates based on city by population number.

CityZipcodeAverage
SALT LAKE CITY84001$3,564.81
SALT LAKE CITY84002$3,555.56
SALT LAKE CITY84003$3,878.48
SALT LAKE CITY84004$3,976.31
SALT LAKE CITY84006$4,017.19
SALT LAKE CITY84008$3,529.82
SALT LAKE CITY84009$3,982.59
SALT LAKE CITY84010$3,725.28
SALT LAKE CITY84013$3,922.17
SALT LAKE CITY84014$3,661.71
SALT LAKE CITY84015$3,666.13
SALT LAKE CITY84018$3,619.87
SALT LAKE CITY84020$4,007.79
SALT LAKE CITY84021$3,593.71
SALT LAKE CITY84022$3,573.97
SALT LAKE CITY84023$3,532.60
SALT LAKE CITY84024$3,525.96
SALT LAKE CITY84025$3,625.36
SALT LAKE CITY84027$3,575.54
SALT LAKE CITY84028$3,473.05
SALT LAKE CITY84029$3,574.16
SALT LAKE CITY84034$3,478.17
SALT LAKE CITY84035$3,564.00
SALT LAKE CITY84036$3,652.04
SALT LAKE CITY84043$3,824.96
SALT LAKE CITY84045$3,934.85
SALT LAKE CITY84049$3,699.74
PROVO84051$3,576.46
PROVO84053$3,579.81
PROVO84063$3,538.71
PROVO84065$3,930.35
WEST JORDAN84017$3,595.74
WEST JORDAN84031$3,554.56
WEST JORDAN84038$3,437.12
OREM84039$3,487.59
OREM84040$3,755.17
OREM84054$3,877.78
SANDY84046$3,534.49
SANDY84052$3,571.80
OGDEN84069$3,532.51
OGDEN84072$3,593.80
OGDEN84075$3,616.46
OGDEN84080$3,529.74
OGDEN84085$3,570.38
OGDEN84086$3,653.75
SAINT GEORGE84756$3,362.16
SAINT GEORGE84765$3,347.45
LAYTON84083$3,504.22
LAYTON84107$4,235.20
SOUTH JORDAN84037$3,618.49
SOUTH JORDAN84047$4,126.41
LEHI84074$3,554.82

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Cheapest Rates by Zip Code in Utah

Where you live can affect your car insurance rate as well. Find your zip code in the table below.

CityZipcodeAverageAllstate F&CAmerican Family MutualMid-Century Ins CoGeico CasSAFECO Ins Co of ILDepositors InsuranceProgressive ClassicState Farm Mutual AutoUSAA CIC
SALT LAKE CITY84104$4,580.22$4,929.00$4,536.24$4,642.03$3,434.35$5,552.83$3,535.05$5,472.76$5,906.45$3,213.30
SALT LAKE CITY84116$4,555.57$4,781.72$4,536.24$4,642.03$3,440.54$5,552.83$3,418.87$5,356.31$6,058.29$3,213.30
SALT LAKE CITY84128$4,451.69$4,577.99$4,536.24$4,506.09$3,363.55$5,388.11$3,535.05$5,187.69$5,757.21$3,213.30
SALT LAKE CITY84118$4,447.21$4,428.02$4,536.24$4,383.40$3,261.84$5,360.65$3,530.24$4,973.39$6,337.83$3,213.30
TAYLORSVILLE84129$4,445.90$4,428.02$4,536.24$4,559.04$3,363.55$5,388.11$3,474.33$5,167.90$5,882.61$3,213.30
SALT LAKE CITY84180$4,440.15$4,474.79$3,541.83$4,494.17$3,299.16$4,758.38$3,466.57$7,409.56$5,882.61$2,634.25
MAGNA84044$4,405.29$4,089.02$4,536.24$4,581.66$3,405.05$5,393.49$3,637.93$4,929.63$5,861.32$3,213.30
SALT LAKE CITY84120$4,376.36$4,488.71$4,536.24$4,559.04$3,305.07$4,559.99$3,535.05$5,327.91$5,861.93$3,213.30
SALT LAKE CITY84119$4,359.40$4,149.70$4,536.24$4,273.76$3,314.74$4,758.38$3,494.38$5,179.80$6,314.32$3,213.30
SALT LAKE CITY84101$4,349.91$4,929.00$4,536.24$4,446.85$3,299.16$4,793.82$3,466.57$5,238.79$5,804.48$2,634.25
SALT LAKE CITY84115$4,310.48$4,663.75$4,341.13$4,509.47$3,369.43$4,749.90$3,557.89$5,010.63$5,378.87$3,213.30
SALT LAKE CITY84123$4,271.69$3,962.82$4,341.13$4,363.25$3,293.89$5,242.38$3,306.08$4,799.04$6,314.32$2,822.35
SALT LAKE CITY84121$4,267.68$4,474.79$4,341.13$4,493.44$3,332.05$5,219.22$3,603.89$4,932.50$5,315.94$2,696.20
WEST JORDAN84084$4,265.62$4,401.81$4,536.24$4,559.04$3,282.22$4,684.43$3,353.07$4,487.79$6,110.62$2,975.32
SALT LAKE CITY84107$4,235.20$4,522.61$4,341.13$4,347.95$3,503.07$4,587.52$3,421.41$5,037.17$5,533.57$2,822.35
SALT LAKE CITY84117$4,200.92$4,393.92$4,341.13$4,347.95$3,269.97$4,538.26$3,377.44$5,412.85$5,448.85$2,677.95
SALT LAKE CITY84111$4,183.18$4,759.18$4,430.81$4,352.47$3,291.39$4,793.82$3,557.89$4,841.35$4,991.84$2,629.89
SALT LAKE CITY84133$4,171.57$4,428.02$3,541.83$4,494.17$3,237.95$4,749.90$3,557.89$5,167.90$5,153.15$3,213.30
SALT LAKE CITY84138$4,148.80$4,428.02$3,541.83$4,289.24$3,237.95$4,749.90$3,557.89$5,167.90$5,153.15$3,213.30
SALT LAKE CITY84112$4,148.07$4,761.89$4,430.81$4,160.73$3,198.85$4,749.90$3,466.57$4,863.59$5,066.03$2,634.25
SALT LAKE CITY84109$4,147.22$4,289.36$4,430.81$4,288.45$3,269.99$4,824.47$3,263.91$5,055.11$5,268.67$2,634.25
MIDVALE84047$4,126.41$4,142.89$4,341.13$4,363.25$3,154.67$5,370.77$3,511.76$4,576.01$4,981.04$2,696.20
SALT LAKE CITY84103$4,118.16$4,761.89$4,430.81$4,509.47$3,254.63$4,953.73$3,466.57$4,088.23$4,963.85$2,634.25
SALT LAKE CITY84124$4,108.36$3,958.25$4,341.13$4,272.76$3,294.70$4,719.10$3,377.44$5,376.42$4,935.71$2,699.73
SALT LAKE CITY84132$4,107.90$4,428.02$3,541.83$4,043.85$3,198.85$4,749.90$3,474.33$5,167.90$5,153.15$3,213.30
WEST JORDAN84088$4,098.75$4,301.82$4,536.24$4,472.90$3,257.01$4,684.43$3,294.78$4,234.14$5,329.70$2,777.70
SANDY84093$4,079.14$4,216.68$4,341.13$4,273.76$3,183.73$5,370.77$3,511.76$3,862.39$5,255.82$2,696.20
SANDY84092$4,077.74$4,216.68$4,341.13$4,472.90$3,122.48$5,370.77$3,603.89$3,762.06$5,131.81$2,677.95
SALT LAKE CITY84106$4,070.33$3,979.88$4,341.13$4,472.90$3,275.73$4,719.10$3,448.29$4,689.30$5,072.44$2,634.25
SALT LAKE CITY84113$4,060.46$4,082.59$4,430.81$4,016.97$3,266.77$4,749.90$3,466.57$4,743.14$5,153.15$2,634.25
SALT LAKE CITY84105$4,059.11$4,079.88$4,430.81$4,446.25$3,209.82$4,793.82$3,412.49$4,388.14$5,136.51$2,634.25
SOUTH JORDAN84095$4,054.61$4,474.79$4,341.13$4,472.90$3,131.32$4,559.99$3,393.43$4,103.72$5,163.52$2,850.68
WEST JORDAN84081$4,046.47$4,474.79$4,536.24$4,559.04$2,926.51$4,263.94$3,391.40$4,283.33$5,205.24$2,777.70
OREM84097$4,034.93$4,413.75$4,086.37$4,085.54$3,268.84$4,772.01$3,141.09$4,222.41$5,685.58$2,638.75
OREM84057$4,021.96$4,122.63$4,086.37$4,085.54$3,164.34$4,874.01$3,141.09$4,695.00$5,389.95$2,638.75
BINGHAM CANYON84006$4,017.19$4,087.15$4,341.13$4,339.12$2,920.63$5,025.49$3,391.40$3,987.16$5,284.91$2,777.70
DRAPER84020$4,007.79$4,474.79$4,086.37$4,295.00$3,220.79$4,719.10$3,280.14$3,820.53$5,495.45$2,677.95
SALT LAKE CITY84114$3,989.28$4,082.59$3,541.83$4,446.25$3,295.84$4,953.73$3,466.57$4,329.32$5,153.15$2,634.25
LINDON84042$3,987.75$4,122.63$4,086.37$4,080.77$3,147.84$4,754.32$3,216.35$4,289.23$5,553.45$2,638.75
SALT LAKE CITY84108$3,985.17$3,673.26$4,430.81$4,375.27$3,198.85$4,749.90$3,263.91$4,615.91$4,929.84$2,628.81
SANDY84094$3,985.16$4,216.68$4,341.13$4,363.25$3,141.22$4,696.51$3,301.41$3,737.38$5,390.89$2,677.95
SOUTH JORDAN84009$3,982.59$4,474.79$4,341.13$3,687.01$3,131.32$4,719.10$3,393.43$4,033.90$5,284.91$2,777.70
SALT LAKE CITY84102$3,980.93$3,982.60$4,430.81$4,419.96$3,136.00$4,953.73$3,412.49$3,907.38$4,955.55$2,629.89
ALPINE84004$3,976.31$4,393.92$4,086.37$4,189.92$3,164.98$4,575.83$3,174.80$3,735.28$5,744.46$2,721.26
PROVO84606$3,972.00$4,133.01$4,086.37$3,762.59$3,144.31$4,874.01$3,241.07$4,137.52$5,661.90$2,707.25
SANDY84070$3,962.92$4,216.68$4,341.13$4,363.25$3,125.94$4,696.51$3,301.41$4,071.74$4,871.66$2,677.95
PROVO84604$3,961.55$4,133.01$4,086.37$3,879.13$3,092.11$4,638.16$3,381.02$4,146.00$5,536.51$2,761.68
OREM84058$3,954.81$4,413.75$4,086.37$4,123.68$2,992.09$4,874.01$3,141.09$3,760.52$5,417.06$2,784.73
HERRIMAN84096$3,949.52$4,135.79$4,341.13$4,488.94$3,069.09$4,820.38$3,153.13$3,767.13$5,092.12$2,677.95
PLEASANT GROVE84062$3,948.42$4,073.13$4,086.37$4,096.11$3,253.74$4,754.32$3,216.35$4,098.23$5,334.70$2,622.83
SPRINGVILLE84663$3,935.40$3,980.12$4,086.37$3,928.53$3,057.05$4,670.48$3,210.66$4,289.65$5,444.67$2,751.07
SARATOGA SPRINGS84045$3,934.85$3,750.26$4,086.37$3,980.35$3,110.40$4,575.83$3,289.20$4,556.85$5,339.17$2,725.20
MAPLETON84664$3,934.32$3,980.12$4,086.37$3,928.53$3,057.05$4,718.89$3,011.35$4,569.93$5,305.53$2,751.07
RIVERTON84065$3,930.35$4,135.79$4,341.13$4,419.96$3,057.58$4,820.38$3,153.13$3,768.83$4,998.44$2,677.95
CEDAR VALLEY84013$3,922.17$4,444.45$4,086.37$3,861.87$2,921.46$4,544.65$3,289.20$4,256.25$5,110.50$2,784.73
PROVO84602$3,921.63$4,133.01$4,086.37$3,812.12$3,092.11$4,718.89$3,241.07$4,166.39$5,435.31$2,609.39
EAGLE MOUNTAIN84005$3,917.29$3,750.26$4,086.37$3,999.05$3,189.82$4,575.83$3,289.20$4,263.82$5,316.54$2,784.73
PROVO84601$3,895.31$4,133.01$4,086.37$3,849.89$3,017.60$4,754.32$3,241.07$4,131.62$5,136.65$2,707.25
AMERICAN FORK84003$3,878.48$4,073.13$4,086.37$4,014.50$3,189.74$4,575.83$3,174.80$3,715.59$5,453.49$2,622.83
NORTH SALT LAKE84054$3,877.78$4,792.66$3,719.87$4,176.87$3,142.30$4,430.43$3,418.87$3,919.04$4,745.98$2,554.01
OGDEN84401$3,861.73$3,688.18$4,088.29$4,071.75$2,823.77$4,843.99$3,135.65$4,197.08$5,260.08$2,646.82
SPANISH FORK84660$3,837.34$3,980.12$4,086.37$3,944.19$2,886.93$4,718.89$3,011.35$4,168.13$4,988.98$2,751.07
ELBERTA84626$3,837.00$4,444.45$4,086.37$3,861.87$2,921.46$4,544.65$3,289.20$3,589.95$5,010.31$2,784.73
OGDEN84404$3,835.54$3,688.18$4,088.29$4,142.31$2,942.07$5,025.49$3,109.10$3,816.32$5,132.20$2,575.94
EDEN84310$3,833.23$3,611.48$4,088.29$3,792.61$2,916.77$4,843.58$3,139.13$4,504.20$5,044.50$2,558.54
LEHI84043$3,824.96$3,750.26$4,086.37$3,803.37$3,110.40$4,575.83$3,280.14$3,616.11$5,620.66$2,581.52
OGDEN84403$3,811.60$3,688.18$4,088.29$3,824.08$2,829.81$5,044.48$3,206.03$4,215.97$4,831.61$2,575.94
HUNTSVILLE84317$3,788.26$3,681.69$4,088.29$3,753.32$2,924.43$4,843.58$3,056.73$4,108.02$5,079.74$2,558.54
GOSHEN84633$3,783.06$4,444.45$4,086.37$3,485.63$2,921.46$4,544.65$3,289.20$3,692.41$4,798.63$2,784.73
OGDEN84408$3,779.07$3,688.18$4,088.29$3,800.75$2,829.81$5,044.48$3,206.03$3,902.61$4,875.50$2,575.94
WALLSBURG84082$3,773.22$4,191.60$3,541.83$3,956.82$2,926.51$4,349.55$3,068.44$4,179.56$5,241.56$2,503.10
SALEM84653$3,772.67$3,980.12$4,086.37$3,944.19$2,886.93$4,718.89$3,011.35$3,648.43$4,893.04$2,784.73
LAYTON84040$3,755.17$3,973.18$3,719.87$3,793.93$2,759.65$4,657.62$3,034.92$4,142.01$5,232.33$2,483.03
PAYSON84651$3,727.23$3,980.12$4,086.37$3,944.19$2,895.92$4,074.46$3,151.80$3,586.37$5,041.10$2,784.73
OGDEN84414$3,726.43$3,688.18$4,088.29$3,887.57$2,842.12$5,012.22$3,139.13$3,491.39$4,813.03$2,575.94
OGDEN84405$3,725.37$3,688.18$4,088.29$3,785.28$2,768.50$4,843.99$2,983.00$3,830.08$4,965.06$2,575.94
BOUNTIFUL84010$3,725.28$3,878.33$3,719.87$4,138.02$3,075.72$4,824.47$2,872.23$3,837.61$4,627.33$2,554.01
ROY84067$3,713.25$3,948.85$4,088.29$4,002.80$2,812.22$4,715.05$2,985.78$3,827.77$4,462.57$2,575.94
WOODS CROSS84087$3,712.68$4,058.25$3,719.87$4,228.74$2,778.34$4,718.89$2,872.23$4,002.59$4,481.15$2,554.01
HILL AFB84056$3,699.80$3,948.85$3,719.87$4,072.54$2,806.30$4,657.62$3,035.54$3,826.54$4,873.49$2,357.46
MIDWAY84049$3,699.74$3,931.38$3,541.83$4,049.84$2,923.97$4,349.55$3,068.44$3,971.60$4,958.00$2,503.10
HOOPER84315$3,699.21$3,948.85$4,088.29$3,855.32$2,774.42$4,559.99$2,985.78$3,977.52$4,526.79$2,575.94
CLEARFIELD84015$3,666.13$3,474.75$3,719.87$3,928.46$2,774.42$4,519.27$3,035.54$4,135.72$5,049.69$2,357.46
OAKLEY84055$3,665.16$3,885.03$3,541.83$4,198.60$2,935.61$4,349.55$3,068.44$3,745.27$4,901.96$2,360.15
CENTERVILLE84014$3,661.71$3,878.33$3,719.87$4,038.15$2,864.80$4,718.89$2,961.20$3,816.71$4,403.45$2,554.01
PARK CITY84098$3,659.50$3,931.38$3,541.83$4,209.53$2,787.00$4,239.75$3,174.26$4,130.12$4,561.51$2,360.15
WOODRUFF84086$3,653.75$3,318.14$3,541.83$3,965.49$2,926.51$4,349.55$3,068.44$4,751.93$4,675.19$2,286.63
PARK CITY84060$3,653.31$3,931.38$3,541.83$4,049.42$2,787.00$4,349.55$3,068.44$4,180.13$4,611.91$2,360.15
KAMAS84036$3,652.04$3,885.03$3,541.83$4,008.65$2,924.42$4,349.55$3,068.44$3,921.92$4,808.38$2,360.15
PARK VALLEY84329$3,648.29$3,191.01$3,541.83$3,959.76$2,926.51$4,244.26$2,882.67$5,118.72$4,481.50$2,488.36
HEBER CITY84032$3,645.02$3,989.96$3,541.83$3,819.05$2,927.74$4,239.75$3,068.44$3,701.32$5,013.96$2,503.10
LAYTON84041$3,631.93$3,792.43$3,719.87$3,803.80$2,780.48$4,544.65$2,926.02$3,675.62$4,767.76$2,676.79
SANTAQUIN84655$3,628.46$3,980.12$4,086.37$3,887.74$2,664.35$4,074.46$3,151.80$3,278.01$4,748.52$2,784.73
FARMINGTON84025$3,625.36$3,673.26$3,719.87$3,983.36$2,763.88$4,657.62$2,961.20$3,682.32$4,563.35$2,623.36
CROYDON84018$3,619.87$3,611.48$3,541.83$3,922.20$2,926.51$4,349.55$3,056.73$4,060.89$4,675.19$2,434.47
KAYSVILLE84037$3,618.49$3,484.18$3,719.87$3,747.50$2,801.07$4,657.62$2,904.48$3,533.86$5,094.48$2,623.36
SYRACUSE84075$3,616.46$3,655.50$3,719.87$3,824.08$2,777.34$4,430.43$3,035.54$3,525.10$4,903.54$2,676.79
MORGAN84050$3,613.52$3,691.11$3,541.83$3,969.15$2,925.62$4,349.55$3,056.73$3,697.58$4,855.60$2,434.47
PEOA84061$3,600.54$3,878.56$3,541.83$3,998.10$2,924.42$4,349.55$3,068.44$3,608.61$4,675.19$2,360.15
COALVILLE84017$3,595.74$3,611.48$3,541.83$3,935.46$2,924.42$4,349.55$3,068.44$3,539.05$5,031.31$2,360.15
TABIONA84072$3,593.80$3,992.48$3,541.83$3,803.07$2,926.51$4,143.06$3,068.44$3,783.73$4,724.95$2,360.15
DUCHESNE84021$3,593.71$3,776.71$3,541.83$3,675.86$2,926.51$4,240.10$3,107.68$3,877.03$4,837.54$2,360.15
STOCKTON84071$3,592.77$3,540.41$3,541.83$4,076.77$2,926.51$4,263.94$2,882.67$3,718.62$4,832.52$2,551.69
FAIRVIEW84629$3,587.67$3,816.54$3,541.83$3,918.58$2,926.51$4,151.14$2,844.57$3,772.90$4,886.50$2,430.43
TALMAGE84073$3,587.60$3,785.67$3,541.83$3,799.23$2,926.51$4,143.06$3,068.44$3,938.59$4,724.95$2,360.15
NEOLA84053$3,579.81$3,785.67$3,541.83$3,785.60$2,926.51$4,240.10$3,107.68$3,745.78$4,724.95$2,360.15
MOUNTAIN HOME84051$3,576.46$3,776.71$3,541.83$3,775.25$2,926.51$4,143.06$3,068.44$3,777.84$4,818.33$2,360.15
FRUITLAND84027$3,575.54$3,785.67$3,541.83$3,821.21$2,926.51$4,143.06$3,068.44$3,808.05$4,724.95$2,360.15
GRANTSVILLE84029$3,574.16$3,840.19$3,541.83$3,983.36$2,782.85$4,263.94$2,757.23$3,649.93$4,796.39$2,551.69
DUGWAY84022$3,573.97$3,858.07$3,541.83$4,238.67$2,926.51$4,231.06$2,882.67$3,724.35$4,332.09$2,430.43
MYTON84052$3,571.80$3,698.46$3,541.83$3,674.24$2,926.51$4,240.10$3,107.68$3,617.41$4,979.83$2,360.15
RANDOLPH84064$3,570.45$3,318.14$3,541.83$3,949.77$2,926.51$4,349.55$3,068.44$3,705.02$4,988.15$2,286.63
WHITEROCKS84085$3,570.38$3,785.67$3,541.83$3,892.57$2,926.51$4,240.10$2,797.38$3,864.30$4,724.95$2,360.15
HENEFER84033$3,566.82$3,318.14$3,541.83$3,930.07$2,926.51$4,349.55$3,068.44$3,706.66$4,900.00$2,360.15
ALTAMONT84001$3,564.81$3,785.67$3,541.83$3,679.32$2,926.51$4,143.06$3,068.44$3,831.82$4,746.53$2,360.15
JENSEN84035$3,564.00$3,698.46$3,541.83$3,916.58$2,926.51$4,240.10$2,797.38$3,870.06$4,724.95$2,360.15
BLUEBELL84007$3,561.15$3,785.67$3,541.83$3,632.36$2,926.51$4,240.10$3,107.68$3,731.13$4,724.95$2,360.15
ALTONAH84002$3,555.56$3,785.67$3,541.83$3,791.61$2,926.51$4,240.10$3,068.44$3,560.82$4,724.95$2,360.15
TOOELE84074$3,554.82$3,840.19$3,541.83$3,946.84$2,790.03$4,263.94$2,757.23$3,411.77$4,889.86$2,551.69
HANNA84031$3,554.56$3,785.67$3,541.83$3,752.93$2,926.51$4,143.06$3,068.44$3,687.53$4,724.95$2,360.15
LEWISTON84320$3,543.51$3,225.25$3,541.83$4,147.49$2,909.94$4,244.26$2,890.19$3,968.78$4,620.36$2,343.44
RANDLETT84063$3,538.71$3,698.46$3,541.83$3,785.32$2,926.51$4,240.10$2,797.38$3,821.03$4,677.63$2,360.15
MANILA84046$3,534.49$3,733.55$3,541.83$3,725.71$2,926.51$4,240.10$2,797.38$3,809.96$4,675.19$2,360.15
DUTCH JOHN84023$3,532.60$3,698.46$3,541.83$3,793.20$2,926.51$4,240.10$2,797.38$3,760.56$4,675.19$2,360.15
RUSH VALLEY84069$3,532.51$3,564.74$3,541.83$3,906.51$2,926.51$4,263.94$2,882.67$3,676.33$4,599.58$2,430.43
BONANZA84008$3,529.82$3,698.46$3,541.83$3,687.01$2,926.51$4,240.10$2,797.38$3,791.99$4,724.95$2,360.15
VERNON84080$3,529.74$3,564.74$3,541.83$4,013.29$2,926.51$4,263.94$2,882.67$3,544.69$4,599.58$2,430.43
GROUSE CREEK84313$3,529.33$3,191.01$3,541.83$3,842.17$2,926.51$4,231.06$2,882.67$4,060.77$4,599.58$2,488.36
PANGUITCH84759$3,526.59$3,117.05$3,541.83$4,145.29$2,926.51$3,862.42$2,785.39$4,128.68$4,802.12$2,430.03
ECHO84024$3,525.96$3,318.14$3,541.83$3,982.63$2,926.51$4,349.55$3,068.44$3,511.19$4,675.19$2,360.15
RICHMOND84333$3,524.51$3,225.25$3,541.83$3,819.60$2,909.57$4,244.26$2,890.19$4,213.78$4,532.70$2,343.44
FORT DUCHESNE84026$3,519.65$3,733.55$3,541.83$3,700.50$2,926.51$4,240.10$2,797.38$3,790.10$4,586.73$2,360.15
HOWELL84316$3,519.65$3,130.51$3,541.83$4,015.34$2,926.51$4,244.26$2,882.67$3,847.78$4,599.58$2,488.36
TREMONTON84337$3,518.63$3,225.25$3,541.83$3,920.62$3,029.89$4,244.26$2,890.19$3,630.51$4,696.74$2,488.36
FIELDING84311$3,518.00$3,225.25$3,541.83$4,054.74$2,909.57$4,244.26$2,890.19$3,708.22$4,599.58$2,488.36
ROOSEVELT84066$3,515.83$3,785.67$3,541.83$3,658.59$2,926.51$4,240.10$2,797.38$3,704.45$4,627.80$2,360.15
PORTAGE84331$3,513.11$3,225.25$3,541.83$4,064.34$2,909.57$4,244.26$2,890.19$3,654.58$4,599.58$2,488.36
BEAR RIVER CITY84301$3,508.30$3,215.83$3,541.83$3,870.97$2,916.77$4,244.26$2,890.19$3,806.92$4,599.58$2,488.36
MOUNT PLEASANT84647$3,505.55$3,729.33$3,541.83$3,721.63$2,926.51$4,151.14$2,844.57$3,538.28$4,666.18$2,430.43
PLYMOUTH84330$3,505.03$3,225.25$3,541.83$4,146.25$2,909.57$4,244.26$2,890.19$3,499.96$4,599.58$2,488.36
WENDOVER84083$3,504.22$3,215.41$3,541.83$4,028.48$2,926.51$4,231.06$2,882.67$3,572.36$4,709.26$2,430.43
GARLAND84312$3,503.97$3,225.25$3,541.83$3,959.76$2,924.43$4,244.26$2,890.19$3,646.49$4,615.12$2,488.36
TRIDELL84076$3,502.26$3,698.46$3,541.83$3,670.41$2,926.51$4,240.10$2,797.38$3,679.08$4,606.42$2,360.15
DEWEYVILLE84309$3,501.27$3,225.25$3,541.83$4,015.34$2,916.77$4,244.26$2,890.19$3,589.85$4,599.58$2,488.36
NEWTON84327$3,500.95$3,225.25$3,541.83$3,975.45$2,910.43$4,244.26$2,890.19$3,757.25$4,620.47$2,343.44
CLARKSTON84305$3,499.12$3,225.25$3,541.83$3,936.31$2,902.74$4,244.26$2,890.19$3,735.80$4,672.22$2,343.44
COLLINSTON84306$3,496.97$3,225.25$3,541.83$3,825.02$2,909.57$4,244.26$2,890.19$3,748.65$4,599.58$2,488.36
SNOWVILLE84336$3,496.25$3,225.25$3,541.83$4,015.34$2,926.51$4,244.26$2,882.67$3,542.44$4,599.58$2,488.36
LAPOINT84039$3,487.59$3,698.46$3,541.83$3,534.54$2,926.51$4,240.10$2,797.38$3,564.42$4,724.95$2,360.15
MORONI84646$3,484.10$3,729.33$3,541.83$3,721.63$2,926.51$4,151.14$2,844.57$3,295.73$4,715.70$2,430.43
HYRUM84319$3,480.93$3,225.25$3,541.83$3,697.86$2,909.94$4,244.26$2,840.17$3,715.39$4,810.25$2,343.44
ESCALANTE84726$3,480.33$3,117.05$3,541.83$3,567.84$2,926.51$4,151.14$2,785.39$3,549.02$5,254.21$2,430.03
IBAPAH84034$3,478.17$3,215.41$3,541.83$3,884.94$2,926.51$4,231.06$2,882.67$3,591.13$4,599.58$2,430.43
CORNISH84308$3,476.12$3,225.25$3,541.83$3,970.78$2,902.74$4,244.26$2,890.19$3,745.92$4,420.66$2,343.44
TRENTON84338$3,475.91$3,225.25$3,541.83$4,009.93$2,910.43$4,244.26$2,890.19$3,697.16$4,420.66$2,343.44
CORINNE84307$3,475.89$3,181.59$3,541.83$3,936.96$2,926.51$4,244.26$2,882.67$3,747.09$4,333.73$2,488.36
MANTUA84324$3,475.46$3,422.63$3,541.83$3,614.51$2,909.57$4,326.96$2,961.89$3,655.68$4,357.75$2,488.36
GARDEN CITY84028$3,473.05$3,318.14$3,541.83$3,586.95$2,935.61$4,349.55$3,068.44$3,495.09$4,675.19$2,286.63
HONEYVILLE84314$3,472.17$3,215.83$3,541.83$3,737.01$2,916.77$4,244.26$2,890.19$3,717.39$4,497.92$2,488.36
WELLSVILLE84339$3,468.26$3,225.25$3,541.83$3,870.97$2,772.98$4,244.26$2,840.17$3,521.87$4,853.60$2,343.44
EAST CARBON84520$3,468.19$3,698.46$3,541.83$3,540.48$2,926.51$4,143.06$2,844.57$3,921.66$4,237.00$2,360.15
MANTI84642$3,465.74$3,117.05$3,541.83$3,860.19$2,926.51$4,151.14$2,844.57$3,790.37$4,529.58$2,430.43
PARADISE84328$3,463.22$3,225.25$3,541.83$3,731.40$2,916.77$4,326.96$2,840.17$3,514.81$4,785.13$2,286.63
SPRING CITY84662$3,462.45$3,729.33$3,541.83$3,721.63$2,926.51$4,151.14$2,844.57$3,295.73$4,520.85$2,430.43
HUNTINGTON84528$3,461.38$3,698.46$3,541.83$3,561.61$2,926.51$4,143.06$2,785.39$3,795.75$4,339.69$2,360.15
CACHE JUNCTION84304$3,461.05$3,225.25$3,541.83$3,825.02$2,909.57$4,244.26$2,890.19$3,749.21$4,420.66$2,343.44
MARYSVALE84750$3,460.79$3,117.05$3,541.83$3,657.17$2,926.51$4,151.14$2,785.39$4,110.56$4,427.48$2,430.03
MONUMENT VALLEY84536$3,459.33$3,130.51$3,439.29$4,044.04$2,926.51$4,079.43$2,965.16$3,737.18$4,381.83$2,430.03
VERNAL84078$3,457.75$3,698.46$3,541.83$3,892.57$2,926.51$4,240.10$2,797.38$3,269.40$4,393.35$2,360.15
GARRISON84728$3,457.08$3,169.02$3,439.29$3,838.14$2,926.51$4,151.14$2,882.67$4,268.69$4,106.93$2,331.35
ANTIMONY84712$3,456.30$3,117.05$3,541.83$3,835.55$2,926.51$4,151.14$2,785.39$4,024.41$4,294.81$2,430.03
LOA84747$3,454.82$3,117.05$3,541.83$3,644.24$2,926.51$4,151.14$2,785.39$4,026.49$4,470.74$2,430.03
SMITHFIELD84335$3,454.34$3,225.25$3,541.83$4,053.86$2,779.80$4,244.26$2,890.19$3,598.97$4,411.47$2,343.44
ORDERVILLE84758$3,452.65$3,165.99$3,439.29$3,838.14$2,843.63$3,862.42$2,965.16$3,945.68$4,583.54$2,430.03
LEVAN84639$3,451.25$3,729.33$3,541.83$3,742.59$2,926.51$4,151.14$2,882.67$3,276.83$4,379.93$2,430.43
ANETH84510$3,449.59$3,130.51$3,439.29$3,689.27$2,926.51$4,079.43$2,965.16$4,279.22$4,106.93$2,430.03
MONTEZUMA CREEK84534$3,449.32$3,130.51$3,439.29$3,737.81$2,926.51$4,079.43$2,965.16$3,899.12$4,436.06$2,430.03
FOUNTAIN GREEN84632$3,448.67$3,729.33$3,541.83$3,823.63$2,926.51$4,151.14$2,844.57$3,295.73$4,294.81$2,430.43
WALES84667$3,448.67$3,729.33$3,541.83$3,823.63$2,926.51$4,151.14$2,844.57$3,295.73$4,294.81$2,430.43
STERLING84665$3,448.60$3,117.05$3,541.83$3,875.88$2,926.51$4,151.14$2,844.57$3,672.74$4,477.25$2,430.43
CLEVELAND84518$3,442.52$3,698.46$3,541.83$3,621.92$2,926.51$4,143.06$2,785.39$3,538.50$4,366.87$2,360.15
CENTERFIELD84622$3,442.09$3,060.31$3,541.83$3,462.07$2,926.51$4,231.06$2,844.57$4,077.17$4,404.90$2,430.43
BRIGHAM CITY84302$3,441.86$3,215.83$3,541.83$3,614.51$2,909.57$4,244.26$2,961.89$3,806.92$4,193.58$2,488.36
KENILWORTH84529$3,441.07$3,785.67$3,541.83$3,705.95$2,926.51$4,143.06$2,844.57$3,367.09$4,294.81$2,360.15
KINGSTON84743$3,438.31$3,117.05$3,541.83$3,885.32$2,926.51$4,151.14$2,785.39$3,812.73$4,294.81$2,430.03
CHESTER84623$3,437.95$3,729.33$3,541.83$3,711.32$2,926.51$4,151.14$2,844.57$3,311.56$4,294.81$2,430.43
LAKETOWN84038$3,437.12$3,318.14$3,541.83$3,632.92$2,926.51$4,349.55$3,068.44$3,134.89$4,675.19$2,286.63
BLUFF84512$3,436.98$3,130.51$3,439.29$3,593.46$2,926.51$4,079.43$2,965.16$3,802.86$4,565.60$2,430.03
BLANDING84511$3,436.52$3,130.51$3,439.29$3,519.64$2,926.51$4,079.43$2,965.16$4,292.93$4,145.22$2,430.03
ELMO84521$3,434.51$3,698.46$3,541.83$3,621.92$2,926.51$4,143.06$2,785.39$3,538.50$4,294.81$2,360.15
MENDON84325$3,432.49$3,225.25$3,541.83$3,681.74$2,902.74$4,244.26$2,840.17$3,628.30$4,484.67$2,343.44
WILLARD84340$3,427.44$3,215.83$3,541.83$3,821.26$2,916.77$4,326.96$2,961.89$3,397.70$4,176.39$2,488.36
FAYETTE84630$3,426.09$3,150.30$3,541.83$3,680.36$2,926.51$4,151.14$2,844.57$3,814.87$4,294.81$2,430.43
MILLVILLE84326$3,424.45$3,225.25$3,541.83$3,662.90$2,772.98$4,244.26$2,840.17$3,757.25$4,431.96$2,343.44
HYDE PARK84318$3,424.19$3,225.25$3,541.83$3,769.43$2,910.43$4,326.96$2,840.17$3,619.89$4,240.32$2,343.44
MONTICELLO84535$3,424.09$3,130.51$3,439.29$3,704.95$2,926.51$4,079.43$2,965.16$3,634.24$4,506.69$2,430.03
HELPER84526$3,423.98$3,733.55$3,541.83$3,508.97$2,926.51$4,143.06$2,844.57$3,565.35$4,191.84$2,360.15
EUREKA84628$3,423.93$3,215.41$3,541.83$3,656.26$2,926.51$4,151.14$2,882.67$3,411.50$4,599.58$2,430.43
LOGAN84321$3,421.05$3,318.14$3,541.83$3,776.45$2,765.79$4,326.96$2,840.17$3,611.35$4,265.35$2,343.44
TROPIC84776$3,420.63$3,117.05$3,541.83$3,629.54$2,926.51$4,151.14$2,785.39$3,909.37$4,294.81$2,430.03
GUNNISON84634$3,417.09$3,152.52$3,541.83$3,631.83$2,926.51$4,151.14$2,844.57$3,692.97$4,382.00$2,430.43
EPHRAIM84627$3,415.99$3,117.05$3,541.83$3,758.28$2,926.51$4,151.14$2,844.57$3,516.22$4,457.84$2,430.43
AXTELL84621$3,413.71$3,117.05$3,541.83$3,592.68$2,926.51$4,231.06$2,844.57$3,744.47$4,294.81$2,430.43
SUNNYSIDE84539$3,413.29$3,698.46$3,541.83$3,514.23$2,926.51$4,143.06$2,844.57$3,395.94$4,294.81$2,360.15
GLENWOOD84730$3,411.67$3,117.05$3,541.83$3,915.76$2,926.51$4,151.14$2,785.39$3,719.72$4,187.46$2,360.15
JOSEPH84739$3,410.12$3,117.05$3,541.83$3,950.43$2,926.51$4,151.14$2,785.39$3,777.94$4,080.62$2,360.15
MAYFIELD84643$3,410.06$3,117.05$3,541.83$3,592.68$2,926.51$4,151.14$2,844.57$3,791.51$4,294.81$2,430.43
LA SAL84530$3,409.58$3,130.51$3,439.29$3,805.53$2,926.51$4,079.43$2,965.16$3,802.86$4,106.93$2,430.03
FILLMORE84631$3,409.25$3,152.52$3,439.29$3,933.08$2,926.51$4,151.14$2,844.57$3,714.06$4,190.73$2,331.35
PROVIDENCE84332$3,408.84$3,225.25$3,541.83$3,662.90$2,772.98$4,244.26$2,840.17$3,716.31$4,332.46$2,343.44
MEXICAN HAT84531$3,408.83$3,130.51$3,439.29$3,918.31$2,926.51$4,079.43$2,965.16$3,683.29$4,106.93$2,430.03
GREENWICH84732$3,403.15$3,117.05$3,541.83$3,885.32$2,926.51$4,151.14$2,785.39$3,496.29$4,294.81$2,430.03
JUNCTION84740$3,403.15$3,117.05$3,541.83$3,885.32$2,926.51$4,151.14$2,785.39$3,496.29$4,294.81$2,430.03
MILFORD84751$3,401.28$3,182.49$3,439.29$3,910.40$2,926.51$3,862.42$2,785.39$3,833.83$4,339.83$2,331.35
REDMOND84652$3,400.59$3,117.05$3,541.83$3,908.74$2,926.51$4,151.14$2,785.39$3,528.60$4,285.93$2,360.15
HINCKLEY84635$3,399.66$3,206.89$3,439.29$3,790.65$2,926.51$4,151.14$2,844.57$4,024.91$3,881.64$2,331.35
PRICE84501$3,398.14$3,698.46$3,541.83$3,621.92$2,926.51$4,005.11$2,844.57$3,427.78$4,156.90$2,360.15
SEVIER84766$3,397.13$3,117.05$3,541.83$3,869.33$2,926.51$4,151.14$2,785.39$3,528.00$4,294.81$2,360.15
CIRCLEVILLE84723$3,393.93$3,117.05$3,541.83$3,685.41$2,926.51$4,151.14$2,785.39$3,496.29$4,411.75$2,430.03
BRYCE84764$3,393.29$3,117.05$3,541.83$3,789.58$2,926.51$4,151.14$2,785.39$3,503.24$4,294.81$2,430.03
SALINA84654$3,393.02$3,117.05$3,541.83$3,725.27$2,926.51$4,151.14$2,785.39$3,647.69$4,282.15$2,360.15
WELLINGTON84542$3,392.34$3,698.46$3,541.83$3,551.29$2,926.51$4,143.06$2,844.57$3,327.15$4,138.05$2,360.15
CANNONVILLE84718$3,391.54$3,117.05$3,541.83$3,773.91$2,926.51$4,151.14$2,785.39$3,503.24$4,294.81$2,430.03
BEAVER84713$3,390.48$3,117.05$3,439.29$3,875.63$2,926.51$3,862.42$2,785.39$3,947.52$4,229.15$2,331.35
NEPHI84648$3,390.26$3,208.35$3,541.83$3,662.44$2,926.51$4,151.14$2,882.67$3,433.06$4,275.87$2,430.43
ORANGEVILLE84537$3,386.30$3,130.51$3,541.83$3,695.65$2,926.51$4,143.06$2,785.39$3,538.50$4,355.15$2,360.15
TORREY84775$3,385.63$3,117.05$3,541.83$3,562.79$2,926.51$4,151.14$2,785.39$3,590.23$4,365.73$2,430.03
MONROE84754$3,384.23$3,117.05$3,541.83$3,933.08$2,926.51$4,151.14$2,785.39$3,568.27$4,074.64$2,360.15
MOUNT CARMEL84755$3,383.41$3,073.77$3,439.29$3,964.32$2,843.63$3,862.42$2,965.16$3,765.13$4,106.93$2,430.03
IVINS84738$3,383.14$3,165.99$3,439.29$4,124.32$2,808.34$3,754.41$2,762.45$3,806.93$4,237.36$2,349.23
FERRON84523$3,382.77$3,130.51$3,541.83$3,520.87$2,926.51$4,151.14$2,785.39$3,561.37$4,467.16$2,360.15
LAKE POWELL84533$3,382.08$3,130.51$3,439.29$3,725.01$2,926.51$4,079.43$2,965.16$3,635.82$4,106.93$2,430.03
TEASDALE84773$3,380.86$3,130.51$3,541.83$3,562.79$2,926.51$4,151.14$2,785.39$3,604.75$4,294.81$2,430.03
HATCH84735$3,375.82$3,117.05$3,541.83$3,901.87$2,926.51$3,862.42$2,785.39$3,522.48$4,294.81$2,430.03
GREENVILLE84731$3,374.31$3,209.26$3,439.29$3,792.55$2,926.51$3,862.42$2,785.39$3,685.57$4,336.42$2,331.35
GLENDALE84729$3,373.57$3,060.31$3,439.29$3,822.45$2,926.51$3,862.42$2,965.16$3,749.03$4,106.93$2,430.03
KANOSH84637$3,373.35$3,152.52$3,439.29$4,041.78$2,926.51$4,151.14$2,844.57$3,190.64$4,282.37$2,331.35
HENRIEVILLE84736$3,372.19$3,117.05$3,541.83$3,599.67$2,926.51$4,151.14$2,785.39$3,503.24$4,294.81$2,430.03
HANKSVILLE84734$3,371.16$3,130.51$3,541.83$3,545.53$2,926.51$4,079.43$2,965.16$3,426.64$4,294.81$2,430.03
MINERSVILLE84752$3,370.77$3,117.05$3,439.29$3,910.40$2,926.51$3,862.42$2,785.39$3,628.16$4,336.42$2,331.35
LOGAN84322$3,370.08$3,318.14$3,541.83$3,903.39$2,765.79$4,326.96$2,840.17$2,927.11$4,420.66$2,286.63
LYMAN84749$3,368.40$3,117.05$3,541.83$3,675.45$2,926.51$4,151.14$2,785.39$3,393.43$4,294.81$2,430.03
CLAWSON84516$3,367.97$3,130.51$3,541.83$3,665.23$2,926.51$4,151.14$2,785.39$3,456.16$4,294.81$2,360.15
DAMMERON VALLEY84783$3,367.43$3,165.99$3,439.29$3,952.73$2,974.10$3,769.47$2,762.45$3,763.29$4,130.30$2,349.23
RICHFIELD84701$3,366.78$3,117.05$3,541.83$3,821.08$2,926.51$4,151.14$2,785.39$3,429.24$4,168.65$2,360.15
WASHINGTON84780$3,366.16$3,165.99$3,439.29$3,841.68$2,884.39$4,182.76$2,762.45$3,342.24$4,377.65$2,299.00
NEWCASTLE84756$3,362.16$3,165.99$3,439.29$4,052.73$2,926.51$3,769.47$2,785.39$3,661.16$4,127.56$2,331.35
KOOSHAREM84744$3,360.15$3,117.05$3,541.83$3,821.08$2,926.51$4,151.14$2,785.39$3,243.43$4,294.81$2,360.15
ANNABELLA84711$3,359.16$3,117.05$3,541.83$3,821.08$2,926.51$4,151.14$2,785.39$3,234.52$4,294.81$2,360.15
BICKNELL84715$3,358.80$3,117.05$3,541.83$3,589.05$2,926.51$4,151.14$2,785.39$3,393.43$4,294.81$2,430.03
LOGAN84341$3,357.99$3,318.14$3,541.83$3,662.90$2,765.79$4,326.96$2,840.17$3,241.54$4,181.15$2,343.44
VEYO84782$3,357.52$3,165.99$3,439.29$4,012.86$2,895.97$3,769.47$2,762.45$3,541.92$4,280.53$2,349.23
AURORA84620$3,357.12$3,117.05$3,541.83$3,908.74$2,926.51$4,151.14$2,785.39$3,151.13$4,272.18$2,360.15
SIGURD84657$3,356.28$3,117.05$3,541.83$3,869.62$2,926.51$4,151.14$2,785.39$3,160.04$4,294.81$2,360.15
DUCK CREEK VILLAGE84762$3,355.66$3,060.31$3,439.29$3,780.21$2,926.51$3,862.42$2,965.16$3,630.05$4,106.93$2,430.03
CASTLE DALE84513$3,355.56$3,130.51$3,541.83$3,477.57$2,926.51$4,143.06$2,785.39$3,486.16$4,348.91$2,360.15
ALTON84710$3,355.15$3,060.31$3,439.29$3,710.17$2,926.51$3,862.42$2,965.16$3,695.56$4,106.93$2,430.03
CENTRAL84722$3,354.97$3,165.99$3,439.29$4,024.45$3,018.78$3,769.47$2,762.45$3,656.06$4,009.01$2,349.23
LA VERKIN84745$3,354.78$3,165.99$3,439.29$3,757.41$2,854.98$4,182.76$2,762.45$3,446.97$4,233.92$2,349.23
ENTERPRISE84725$3,353.99$3,165.99$3,439.29$3,990.09$2,926.51$3,769.47$2,762.45$3,718.11$4,064.80$2,349.23
BOULDER84716$3,353.11$3,117.05$3,541.83$3,484.20$2,926.51$4,151.14$2,785.39$3,447.01$4,294.81$2,430.03
ELSINORE84724$3,352.27$3,117.05$3,541.83$3,954.95$2,926.51$4,151.14$2,785.39$3,254.10$4,079.36$2,360.15
EMERY84522$3,351.37$3,130.51$3,541.83$3,515.83$2,926.51$4,151.14$2,785.39$3,456.16$4,294.81$2,360.15
DELTA84624$3,349.42$3,173.25$3,439.29$3,603.29$2,926.51$4,151.14$2,844.57$3,793.75$3,881.64$2,331.35
GUNLOCK84733$3,348.22$3,165.99$3,439.29$4,207.37$2,974.10$3,754.41$2,762.45$3,200.63$4,280.53$2,349.23
MONA84645$3,347.91$3,208.35$3,541.83$3,534.20$2,926.51$4,151.14$2,882.67$3,199.67$4,256.42$2,430.43
SANTA CLARA84765$3,347.45$3,165.99$3,439.29$3,942.07$2,808.34$3,754.41$2,762.45$3,729.17$4,176.08$2,349.23
MEADOW84644$3,347.18$3,152.52$3,439.29$3,981.64$2,926.51$4,151.14$2,844.57$3,190.64$4,106.93$2,331.35
ROCKVILLE84763$3,342.09$3,073.77$3,439.29$3,891.18$2,843.64$4,182.76$2,762.45$3,255.98$4,280.53$2,349.23
PARAGONAH84760$3,341.66$3,073.77$3,439.29$4,014.80$2,926.51$3,862.42$2,785.39$3,559.61$4,081.76$2,331.35
VIRGIN84779$3,337.68$3,165.99$3,439.29$3,804.36$2,843.64$4,182.76$2,762.45$3,210.93$4,280.53$2,349.23
SUMMIT84772$3,335.26$3,073.77$3,439.29$3,918.93$2,926.51$3,862.42$2,785.39$3,730.26$3,949.40$2,331.35
SPRINGDALE84767$3,333.99$3,073.77$3,439.29$3,795.67$2,843.64$4,182.76$2,762.45$3,248.74$4,310.38$2,349.23
SAINT GEORGE84770$3,332.72$3,165.99$3,439.29$3,677.31$2,884.39$3,754.41$2,762.45$3,526.98$4,434.42$2,349.23
LYNNDYL84640$3,329.91$3,173.25$3,439.29$3,773.91$2,926.51$4,151.14$2,844.57$3,222.21$4,106.93$2,331.35
LEEDS84746$3,329.12$3,165.99$3,439.29$3,776.73$2,854.98$4,182.76$2,762.45$3,255.98$4,174.69$2,349.23
KANAB84741$3,328.46$3,073.77$3,439.29$3,536.79$2,926.51$3,862.42$2,965.16$3,785.96$3,936.21$2,430.03
LEAMINGTON84638$3,326.99$3,173.25$3,439.29$3,747.65$2,926.51$4,151.14$2,844.57$3,222.21$4,106.93$2,331.35
PINE VALLEY84781$3,325.28$3,165.99$3,439.29$4,064.34$2,942.65$3,769.47$2,762.45$3,153.57$4,280.53$2,349.23
SCIPIO84656$3,321.37$3,173.25$3,439.29$3,641.25$2,926.51$4,151.14$2,844.57$3,278.01$4,106.93$2,331.35
MODENA84753$3,317.42$3,165.99$3,439.29$3,856.04$2,926.51$3,769.47$2,785.39$3,633.35$3,949.40$2,331.35
HURRICANE84737$3,315.28$3,165.99$3,439.29$3,613.04$2,854.98$4,182.76$2,762.45$3,273.61$4,196.21$2,349.23
SAINT GEORGE84790$3,315.08$3,165.99$3,439.29$3,693.25$2,937.70$3,754.41$2,762.45$3,289.59$4,443.84$2,349.23
PAROWAN84761$3,312.95$3,060.31$3,439.29$3,998.69$2,926.51$3,862.42$2,785.39$3,488.97$3,923.68$2,331.35
BERYL84714$3,311.07$3,182.49$3,439.29$4,005.75$2,926.51$3,769.47$2,785.39$3,409.96$3,949.40$2,331.35
CISCO84515$3,308.30$3,130.51$3,541.83$3,566.85$2,926.51$4,079.43$2,965.16$3,635.34$3,568.95$2,360.15
HILDALE84784$3,307.22$3,073.77$3,439.29$3,694.82$2,843.64$3,862.42$2,762.45$3,292.12$4,447.24$2,349.23
GREEN RIVER84525$3,304.96$3,130.51$3,541.83$3,472.33$2,926.51$4,079.43$2,785.39$3,431.84$4,016.70$2,360.15
TOQUERVILLE84774$3,304.82$3,165.99$3,439.29$3,757.41$2,854.98$3,769.47$2,762.45$3,429.89$4,214.71$2,349.23
HOLDEN84636$3,300.64$3,152.52$3,439.29$3,562.83$2,926.51$4,151.14$2,844.57$3,190.64$4,106.93$2,331.35
BRIAN HEAD84719$3,294.63$3,152.52$3,439.29$3,746.81$2,926.51$3,862.42$2,785.39$3,457.96$3,949.40$2,331.35
THOMPSON84540$3,289.82$3,130.51$3,439.29$3,566.85$2,926.51$4,079.43$2,965.16$3,571.58$3,568.95$2,360.15
OAK CITY84649$3,288.54$3,173.25$3,439.29$3,603.29$2,926.51$4,151.14$2,844.57$3,222.21$3,905.21$2,331.35
MOAB84532$3,275.27$3,130.51$3,439.29$3,572.25$2,926.51$4,079.43$2,965.16$3,412.77$3,591.34$2,360.15
KANARRAVILLE84742$3,269.05$3,165.99$3,439.29$3,816.87$2,803.73$3,862.42$2,671.38$3,381.02$3,949.40$2,331.35
NEW HARMONY84757$3,267.24$3,165.99$3,439.29$3,769.91$2,803.73$3,769.47$2,762.45$3,231.01$4,114.12$2,349.23
CEDAR CITY84720$3,244.93$3,165.99$3,439.29$3,768.29$2,926.51$3,955.90$2,671.38$2,952.92$3,992.78$2,331.35
CEDAR CITY84721$3,239.58$3,165.99$3,439.29$3,683.08$2,926.51$3,862.42$2,671.38$3,102.75$3,973.46$2,331.35

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Salt Lake City is the most populated city in Utah, so it makes sense that car insurance costs the most there.

Cheapest Rates by Cities in Utah

Find your city in the table below.

CityAverage Grand Total
CEDAR CITY$3,242.26
NEW HARMONY$3,267.24
KANARRAVILLE$3,269.05
MOAB$3,275.27
OAK CITY$3,288.53
THOMPSON$3,289.82
BRIAN HEAD$3,294.63
HOLDEN$3,300.64
TOQUERVILLE$3,304.82
GREEN RIVER$3,304.96
HILDALE$3,307.22
CISCO$3,308.30
BERYL$3,311.07
PAROWAN$3,312.95
HURRICANE$3,315.28
MODENA$3,317.42
SCIPIO$3,321.37
SAINT GEORGE$3,323.90
PINE VALLEY$3,325.28
LEAMINGTON$3,326.99
KANAB$3,328.46
LEEDS$3,329.12
LYNNDYL$3,329.91
SPRINGDALE$3,333.99
SUMMIT$3,335.26
VIRGIN$3,337.68
PARAGONAH$3,341.65
ROCKVILLE$3,342.09
MEADOW$3,347.18
SANTA CLARA$3,347.45
MONA$3,347.91
GUNLOCK$3,348.22
DELTA$3,349.42
EMERY$3,351.37
ELSINORE$3,352.27
BOULDER$3,353.11
ENTERPRISE$3,353.99
LA VERKIN$3,354.78
CENTRAL$3,354.97
ALTON$3,355.15
CASTLE DALE$3,355.56
DUCK CREEK VILLAGE$3,355.66
SIGURD$3,356.28
AURORA$3,357.12
VEYO$3,357.52
BICKNELL$3,358.80
ANNABELLA$3,359.16
KOOSHAREM$3,360.15
NEWCASTLE$3,362.16
WASHINGTON$3,366.16
RICHFIELD$3,366.78
DAMMERON VALLEY$3,367.43
CLAWSON$3,367.97
LYMAN$3,368.40
MINERSVILLE$3,370.78
HANKSVILLE$3,371.16
HENRIEVILLE$3,372.19
KANOSH$3,373.35
GLENDALE$3,373.57
GREENVILLE$3,374.31
HATCH$3,375.82
TEASDALE$3,380.86
LAKE POWELL$3,382.08
FERRON$3,382.77
LOGAN$3,383.04
IVINS$3,383.14
MOUNT CARMEL$3,383.41
MONROE$3,384.23
TORREY$3,385.63
ORANGEVILLE$3,386.30
NEPHI$3,390.26
BEAVER$3,390.48
CANNONVILLE$3,391.55
WELLINGTON$3,392.34
SALINA$3,393.02
BRYCE$3,393.29
CIRCLEVILLE$3,393.93
SEVIER$3,397.13
PRICE$3,398.14
HINCKLEY$3,399.66
REDMOND$3,400.59
MILFORD$3,401.28
GREENWICH$3,403.15
JUNCTION$3,403.15
MEXICAN HAT$3,408.83
PROVIDENCE$3,408.85
FILLMORE$3,409.25
LA SAL$3,409.58
MAYFIELD$3,410.06
JOSEPH$3,410.12
GLENWOOD$3,411.67
SUNNYSIDE$3,413.29
AXTELL$3,413.71
EPHRAIM$3,415.99
GUNNISON$3,417.09
TROPIC$3,420.63
EUREKA$3,423.93
HELPER$3,423.98
MONTICELLO$3,424.09
HYDE PARK$3,424.19
MILLVILLE$3,424.45
FAYETTE$3,426.09
WILLARD$3,427.44
MENDON$3,432.49
ELMO$3,434.51
BLANDING$3,436.52
BLUFF$3,436.98
LAKETOWN$3,437.12
CHESTER$3,437.94
KINGSTON$3,438.31
KENILWORTH$3,441.07
BRIGHAM CITY$3,441.86
CENTERFIELD$3,442.09
CLEVELAND$3,442.52
STERLING$3,448.60
FOUNTAIN GREEN$3,448.67
WALES$3,448.67
MONTEZUMA CREEK$3,449.32
ANETH$3,449.59
LEVAN$3,451.25
ORDERVILLE$3,452.65
SMITHFIELD$3,454.34
LOA$3,454.83
ANTIMONY$3,456.30
GARRISON$3,457.08
VERNAL$3,457.75
MONUMENT VALLEY$3,459.33
MARYSVALE$3,460.79
CACHE JUNCTION$3,461.05
HUNTINGTON$3,461.38
SPRING CITY$3,462.45
PARADISE$3,463.22
MANTI$3,465.74
EAST CARBON$3,468.19
WELLSVILLE$3,468.27
HONEYVILLE$3,472.17
GARDEN CITY$3,473.05
MANTUA$3,475.46
CORINNE$3,475.89
TRENTON$3,475.91
CORNISH$3,476.12
IBAPAH$3,478.17
ESCALANTE$3,480.33
HYRUM$3,480.93
MORONI$3,484.10
LAPOINT$3,487.59
SNOWVILLE$3,496.25
COLLINSTON$3,496.97
CLARKSTON$3,499.12
NEWTON$3,500.95
DEWEYVILLE$3,501.27
TRIDELL$3,502.26
GARLAND$3,503.97
WENDOVER$3,504.22
PLYMOUTH$3,505.03
MOUNT PLEASANT$3,505.55
BEAR RIVER CITY$3,508.30
PORTAGE$3,513.11
ROOSEVELT$3,515.83
FIELDING$3,518.00
TREMONTON$3,518.63
FORT DUCHESNE$3,519.65
HOWELL$3,519.65
RICHMOND$3,524.51
ECHO$3,525.96
PANGUITCH$3,526.59
GROUSE CREEK$3,529.33
VERNON$3,529.74
BONANZA$3,529.82
RUSH VALLEY$3,532.50
DUTCH JOHN$3,532.60
MANILA$3,534.49
RANDLETT$3,538.71
LEWISTON$3,543.51
HANNA$3,554.56
TOOELE$3,554.82
ALTONAH$3,555.56
BLUEBELL$3,561.15
JENSEN$3,564.00
ALTAMONT$3,564.81
HENEFER$3,566.82
WHITEROCKS$3,570.38
RANDOLPH$3,570.45
MYTON$3,571.80
DUGWAY$3,573.97
GRANTSVILLE$3,574.16
FRUITLAND$3,575.54
MOUNTAIN HOME$3,576.46
NEOLA$3,579.81
TALMAGE$3,587.60
FAIRVIEW$3,587.67
STOCKTON$3,592.77
DUCHESNE$3,593.71
TABIONA$3,593.80
COALVILLE$3,595.74
PEOA$3,600.54
MORGAN$3,613.52
SYRACUSE$3,616.46
KAYSVILLE$3,618.49
CROYDON$3,619.87
FARMINGTON$3,625.36
SANTAQUIN$3,628.46
HEBER CITY$3,645.01
PARK VALLEY$3,648.29
KAMAS$3,652.04
WOODRUFF$3,653.75
PARK CITY$3,656.41
CENTERVILLE$3,661.71
OAKLEY$3,665.16
CLEARFIELD$3,666.13
LAYTON$3,693.55
HOOPER$3,699.21
MIDWAY$3,699.74
HILL AFB$3,699.80
WOODS CROSS$3,712.68
ROY$3,713.25
BOUNTIFUL$3,725.29
PAYSON$3,727.23
SALEM$3,772.67
WALLSBURG$3,773.22
GOSHEN$3,783.06
HUNTSVILLE$3,788.26
OGDEN$3,789.96
LEHI$3,824.96
EDEN$3,833.23
ELBERTA$3,837.00
SPANISH FORK$3,837.34
NORTH SALT LAKE$3,877.78
AMERICAN FORK$3,878.48
EAGLE MOUNTAIN$3,917.29
CEDAR VALLEY$3,922.16
RIVERTON$3,930.35
MAPLETON$3,934.32
SARATOGA SPRINGS$3,934.85
SPRINGVILLE$3,935.40
PROVO$3,937.62
PLEASANT GROVE$3,948.42
HERRIMAN$3,949.52
ALPINE$3,976.31
LINDON$3,987.75
OREM$4,003.90
DRAPER$4,007.79
BINGHAM CANYON$4,017.19
SOUTH JORDAN$4,018.60
SANDY$4,026.24
MIDVALE$4,126.41
WEST JORDAN$4,136.95
SALT LAKE CITY$4,226.85
MAGNA$4,405.29
TAYLORSVILLE$4,445.90

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Affordable Insurance Options in Salt Lake City, UT

Discover the most budget-friendly insurance choices available in Salt Lake City, Utah, ensuring you receive quality coverage at minimal costs.

Find the Cheapest Insurance in Your City
Salt Lake City, UT

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Enter your ZIP code below to compare auto insurance rates.

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Best Utah Car Insurance Companies

With literally thousands of car insurance companies out there, it can be difficult to choose just one to provide you with insurance and peace of mind that you’ll be taken care of no matter what.

But what kinds of things are important to look for when looking for a new insurance company? Is it AM Best rating and/or financial strength? Is it loss ratio percentage?

Is complaint data important to you or do you go with a car insurance company because they are going to give you the cheapest rate?

Feeling overwhelmed? Don’t freak out. We cover all this and more up next.

 Ratings of the Top 10 Largest Car Insurance Companies in Utah

CompanyAM Best RatingDirect Premiums WrittenLoss RatioMarket Share
State Farm GroupA++$323,02664.11%16.71%
Allstate Insurance GroupA+$217,32457.30%11.24%
Farmers Insurance GroupNR$183,97354.43%9.52%
GeicoA++$169,93377.67%8.79%
Progressive GroupA+$160,68465.16%8.31%
Bear River Mutual Insurance CoA-$117,03181.12%6.05%
USAA GroupA++$91,54773.34%4.74%
American Family Insurance GroupA$87,58382.77%4.53%
Liberty Mutual GroupA$86,03466.67%4.45%
Nationwide Corp GroupA+$52,12670.19%2.70%

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AM Best ratings show an insurance company’s financial strength.

Financial strength is a key factor to look at when finding a new insurance company. Strong financial ability means claims will be paid —  on time and without hassle.

As we previously talked about, we can also measure financial strength by loss ratio percentage. All of these companies have loss ratio percentages that are well within the 50-100 percent safety range.

Utah’s Car Insurance Companies with the Best Ratings

In April 2019, J.D. Power conducted a study in order to rank car insurance companies based on five customer satisfaction factors: interaction; policy offerings; price; billing process and policy information; and claims.

The study is based on responses from 42,759 auto insurance customers and was fielded from February through April 2019.

JD Power 2019 Customer Satisfaction Study for Utah

With the exception of USAA (a company that only serves military members and their families), the Hartford was the highest-ranked car insurance company in Utah.

The Top Ten Largest Companies with the Most Complaints in Utah

The complaint data below is brought to you by the NAIC.

CompanyNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
2017
State Farm Group10.441482
Allstate Insurance Group10.5163
Farmers Insurance Group100
GeicoN/A0.0076
Progressive Group10.75120
Bear River Mutual Insurance Co100
USAA GroupN/A02
American Family Insurance Group10.7973
Liberty Mutual Group15.95222
Nationwide Corp Group10.2825

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Don’t let these statistics discourage you. Every company in the world receives complaints.  You can’t please everyone.

How a company handles a complaint is what truly matters. Have a complaint you want to file about a car insurance company but you’re not sure how to do it? Watch this video below.

Some of the companies listed above have zero complaint ratio numbers. That’s no typo. Just keep in mind that even the best companies out there receive complaints, and there’s not really a way around them.

Cheapest Car Insurance Companies in Utah

According to the chart below, Geico, USAA, and Depositors have the cheapest car insurance in Utah.

CompanyAverageCompared to State AveragePercentage Compared to State Average
Allstate F&C$3,566.42-$35.81-1.00%
American Family Mutual$3,698.77$96.532.61%
Mid-Century Ins Co$3,907.99$305.767.82%
Geico Cas$2,965.57-$636.66-21.47%
SAFECO Ins Co of IL$4,327.76$725.5216.76%
Depositors Insurance$2,986.57-$615.66-20.61%
Progressive Classic$3,830.10$227.875.95%
State Farm Mutual Auto$4,645.83$1,043.6022.46%
USAA CIC$2,491.10-$1,111.14-44.60%

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The total yearly average for a full coverage insurance policy is $3,602.23 in the state of Utah.

Commute Rates by Companies in Utah

Group10 miles commute, 6000 annual mileage25 miles commute, 12000 annual mileage
Allstate$3,566.42$3,566.42
American Family$3,696.47$3,701.06
Farmers$3,907.99$3,907.99
Geico$2,915.00$3,016.15
Liberty Mutual$4,257.17$4,398.34
Nationwide$2,986.57$2,986.57
Progressive$3,830.10$3,830.10
State Farm$4,527.85$4,763.81
USAA$2,463.59$2,518.60

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Some insurance companies don’t mind if you drive a few extra miles per year; others, like USAA, State Farm and Liberty Mutual might charge you a couple of hundred dollars more per year for your insurance policy.

Coverage Level Rates by Companies in Utah

GroupLow CoverageMedium CoverageHigh Coverage
Allstate$3,404.92$3,559.01$3,735.35
American Family$3,596.17$3,747.39$3,752.75
Farmers$3,573.93$3,852.63$4,297.41
Geico$2,754.34$2,953.94$3,188.43
Liberty Mutual$4,110.94$4,310.56$4,561.77
Nationwide$3,272.27$2,837.83$2,849.61
Progressive$3,509.42$3,697.49$4,283.39
State Farm$4,356.81$4,658.86$4,921.83
USAA$2,381.51$2,492.87$2,598.91

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Sometimes car insurance companies will cut you a break on your policy if you carry more insurance than what is legally required.

Credit History Rates by Companies in Utah

Credit history plays a huge role when considering a car insurance rate.

GroupPoor Credit HistoryFair Credit HistoryGood Credit History
Allstate$4,771.61$3,199.61$2,728.04
American Family$4,648.73$3,486.39$2,961.19
Farmers$4,470.84$3,719.82$3,533.31
Geico$4,519.94$2,503.04$1,873.73
Liberty Mutual$6,171.64$3,807.29$3,004.33
Nationwide$3,696.25$2,796.09$2,467.37
Progressive$4,330.83$3,709.85$3,449.62
State Farm$7,561.42$3,805.27$2,570.80
USAA$3,572.35$2,276.89$1,624.05

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According to Experian, the average credit score in Utah is 683.

Have a poor credit score and/or poor credit history? Your rates could increase by a couple of thousand dollars per year.

 

Coverage level, credit score, and commute average are all determining factors when it comes to your car insurance rate, but what about driving record?

Driving Record Rates by Companies in Utah

We cannot stress enough about how important it is to keep a clean driving record. Take a look at this chart below to see what we mean.

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Allstate$3,010.26$3,393.73$3,629.16$4,232.55
American Family$3,050.91$3,429.99$3,808.97$4,505.19
Farmers$3,324.89$3,779.88$4,326.75$4,200.44
Geico$2,146.67$2,493.28$3,340.13$3,882.19
Liberty Mutual$3,390.93$4,262.72$4,650.33$5,007.04
Nationwide$2,369.61$2,644.32$3,191.57$3,740.78
Progressive$3,241.33$3,793.05$4,895.50$3,390.52
State Farm$4,222.84$4,645.83$5,068.82$4,645.83
USAA$1,957.81$2,193.89$2,476.70$3,335.98

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Being charged with just one DUI can mean your car insurance rate could increase by thousands of dollars. Have you ever gotten a speeding ticket? Your rate might increase by a few hundred dollars.

Keep your record clean and you could qualify for a good driver’s discount.

Number of Insurers in Utah

DomesticForeignTotal Number of Licensed Insurers
9878887

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You might be wondering what the difference is between foreign and domestic insurance laws.

Domestic insurance laws are formed under the laws of the state while foreign insurance laws are formed under the laws of the U.S.

Utah State Laws

Do you know every single law in the state of Utah ever written? We don’t think you do, so don’t worry, this is section is for you. We’re not going to cover every state ever written, however, we do want to make sure you know about Utah state driving laws.

To help keep the police off your tail and your money in your wallet, have a look at this next section. We’ll cover license renewal procedures, teen driving laws, new resident laws, penalties for driving without insurance, and much more.

This next section is brought to you by the NAIC, the IIHS, Carwindshields.info, and Responsibility.org.

Utah Car Insurance Laws

We can talk about car insurance laws all day long, but at the end of the day, it’s important to know how those laws are formed and who creates them.

State laws are created a few different ways, but according to the NAIC, Utah uses what’s called a use and file system. You can read more about this at the Utah Department of Administrative Services.

Windshield Coverage

Unfortunately for Utah drivers, insurance companies aren’t required by law to replace a broken windshield, however insurance companies may offer windshield repair with a comprehensive plan.

Some laws to consider when purchasing windshield insurance are:

  • Insurers may use “aftermarket crash parts” (“nonmechanical sheet metal or plastic parts”) but must disclose that they are doing so.
  • You have the right to use a repair shop of your choice but may have to pay the difference.

High-Risk Insurance

The following information is brought to from Aispso.com.

If you have been involved in an accident, been charged with a DUI, reckless driving, or a speeding ticket, you might find it to be difficult to get regular Utah auto insurance because you’ll be considered a high-risk driver.

In Utah, if you are a high-risk driver, you might be eligible for Utah’s high-risk insurance plan, called the Utah Automobile Insurance Plan (UT AIP).

Utah Auto insurance high-risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge.

Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance with a framework of regulations set by the government.

Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.

When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims.

Keep in mind that high-risk drivers are not allowed to choose their insurance provider.

To qualify for the UT AIP program, you must do the following:

  • Submit an application stating that you have tried to secure insurance through the voluntary insurance market during the past 60 days
  • Provide a valid driver’s license
  • Have a vehicle registered in Utah

Drivers insured through Utah’s high-risk plan have a few different options to pay their premiums.

You can opt to put 40 percent of your annual premium down as a deposit when you send in your application, and pay the remaining 60 percent within 30 days of your policy being issued.

Low-Cost Insurance Program

Unfortunately, Utah does not currently have a government-assisted insurance program for families with low income.

California, Hawaii, and New Jersey are the only three states in the U.S. that provide car insurance to low-income families.

Are you looking for more ways to save? Ask your insurance provider if you qualify for the following discounts:

  • Good driver discount
  • Homeowner’s discount
  • Military discount
  • Student discount
  • Multi-car discount

Want to save 50 percent or more on your Utah auto insurance policy? Enter your zip code in this box below to get started.

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Automobile Insurance Fraud in Utah

What is automobile insurance fraud?

https://www.youtube.com/watch?v=09MK6qLPWOg

According to the IIHS, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims, for example, or, in the case of business owners, list fewer employees or misrepresent the work they do to pay lower premiums for worker’s compensation.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

Insurance fraud is a crime in the state of Utah. If you are caught committing insurance fraud, you could be charged with some serious jail time and have to pay a hefty fine.

If you have any questions about insurance or insurance fraud, please contact the Utah State Insurance Department. You can visit their website here at www.insurance.utah.gov, or give them a call at (801)538-3800.

Want to take a trip to the USID in person? You can find the address below.

350 N State Street #3110 Salt Lake City, UT 84114

Statute of Limitations

The statute of limitations law is set in place to protect both the driver and the insurance company. To help insurance companies stay in business, Utah has a law stating that drivers only have a certain amount of time to file a claim after an accident.

To help drivers get the insurance money they deserve, this law provides ample time to file a claim.

According to the Utah State Legislature, drivers have four years to file a personal injury claim and three years to file a property damage claim.

Keep in mind that the clock starts ticking to file a claim the second you get into a car accident. Don’t wait to file those claims. Years go by faster than you think.

Utah State-Specific Laws

Utah has a couple of funky laws, and we thought we’d include them in this next section below as described by the Utah State Legislature.

In Utah, any person owning or operating a nonresident off-highway vehicle who operates or gives another person permission to operate the nonresident off-highway vehicle on any public land, trail, street, or highway in this state shall:

  • apply for an off-highway vehicle decal issued exclusively for an off-highway vehicle owned by a nonresident of the state
  • pay an annual off-highway vehicle user fee
  • provide evidence that the owner is a nonresident

There’s a bill stating that purchasing tier-three gasoline is preferred.

The Transportation of Veterans to Memorials bill says:

  • creates a support special group license plate to support programs to transport
    veterans to Washington D.C. to visit veterans memorials
  • creates a restricted account to receive funds and facilitate distribution

If you’re curious about more Utah state laws, click here.

Vehicle Licensing Laws

Have you ever heard of a REAL ID?

By October 2020, Utah residents will need to carry a real I.D. with the star in the upper right-hand corner if they wish to go through airport security and board a domestic flight.

Keep in mind that you will not need to carry a real I.D. to drive or vote.

Penalties for Driving Without Insurance

You should know by now that it is illegal to drive without insurance in the state of Utah. But what if you get caught driving without insurance?

Penalities for Driving Without Insurance in UtahDetails
First Offense- Fine: $400
- license suspension until proof of insurance (maintained for three years)
- $100 reinstatement fee
Second Offense- Fine: $1000
- three years; license suspension until proof of insurance (maintained for three years)
- $100 reinstatement fee

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The data from the table above is from the Utah Division of Motor Vehicles.

If you drive without insurance, your license may be suspended and you’ll most likely have to pay a fine of $400 or more.

But let’s go back to the beginning. What are some acceptable forms of proof of insurance?

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Picture of proof of insurance on your smartphone
  • Electronic proof of insurance

If you are pulled over by a law enforcement officer, you must be able to show proof of insurance, license, and registration.

It’s never cheaper to skip out on car insurance. If you get into an accident and you don’t have the cash to cover the costs of damages and medical bills which resulted from that accident, you may wind up bankrupt.

Teen Driver Laws

In Utah, teens may apply for a driving permit at only 15 years old. Look at the table below for more laws about teen driving.

Read More: How to Teach Your Teen to Drive

Requirements for Getting a License in UtahDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time40 hours, 10 of which must be at night
Minimum Age16 years old

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According to the IIHS, permit holders younger than 18 may only drive under the supervision of a driving instructor, a parent or guardian, or a responsible adult who has accepted liability for the permit holder’s driving by signing the permit application.

Permit applicants younger than 19 must be enrolled in driver education.

Supervised driving in the learner stage may include up to five hours in a driving simulator. License applicants who are younger than 19 must have completed driver education.

There are also restrictions for drivers with restricted licenses.

Restricted License LawsDetails
Nighttime restrictionsmidnight-5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)no passengers secondary enforcement
Minimum age at which restrictions may be lifted
Nighttime restrictionsuntil age 17 (min. age: 17)
Passenger restrictions6 months or until age 18, whichever occurs first (min. age: 16, 6 mos.)

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Driver License Renewal Procedures

It doesn’t matter if you’re 18 years old or 80 years old – all Utah drivers must renew license every eight years.

Drivers may renew licenses online for every other renewal.

Drivers 64 years old and younger must provide proof of adequate vision when renewing a license in person; drivers 65 years and older must provide proof of adequate vision at every renewal.

New Residents

If you are new to the state of Utah, welcome. New residents to Utah are allowed 60 days to transfer titles and registrations. To do this, you will need the existing title (unless held by a lien holder as collateral in a financing agreement) and the most recent registration.

According to the Utah DMV, all vehicles that are titled or registered in Utah for the first time are required to complete a Vehicle Identification Number (VIN) inspection.

If you are a new resident, you also need to make sure you contact your current insurance provider and ask them to switch your policy over to comply with Utah’s insurance requirements.

To refresh your memory, Utah’s minimum liability insurance requirements are:

  • $3,000 in personal injury protection coverage
  • $25,000 in liability coverage, per person, for bodily injury after an accident you cause
  • $65,000 total liability coverage per accident, when more than one person suffers bodily injury after an accident you cause
  • $15,000 per accident for property damage you cause in a car accident

Keep in mind that some insurance providers do not have coverage in all 50 United States.

Negligent Operator Treatment System (NOTS)

According to Nolo, negligent or “reckless” driving is a crime in Utah. A person can be convicted for:

  • driving in a “willful or wanton disregard for the safety of persons or property”
  • by committing three separate moving violations within a continuous three miles of driving

What are the penalties of reckless driving?

Reckless driving is a class B misdemeanor in Utah. Convicted motorists face up to six months in jail and a maximum of $1,000 in fines.

For a first reckless driving conviction, the Driver License Division (DLD) can suspend the driver’s license for up to three months upon the recommendation of the judge.

License suspension is mandatory for a second reckless driving violation within a 12-month period.

A reckless driving conviction will add 80 demerit points to the motorist’s driving record. Generally, accumulating 200 or more points within a three-year period can lead to license suspension.

In some states, it’s possible for a driver who’s charged with a DUI, to “plea bargain” for a lesser charge. When a DUI is plea-bargained down to a reckless driving charge, it’s sometimes called a “wet reckless.”

Utah law doesn’t prohibit plea bargaining in DUI cases. So, for someone who’s accused of driving under the influence in Utah, plea bargaining for a reckless driving charge is a possibility.

Utah Rules of the Road

Not knowing the rules of the road can land you a ticket, and/or put you in an accident which always results in an increase in your insurance rate. In this next section, we will cover some important rules of the road.

We’ll hit topics like seat belt laws, speed limit laws, automation on the road and more.

Fault and No-Fault

As we previously discussed, Utah is a no-fault car accident state.

Nolo says that under no-fault, after a car accident, your own car insurance coverage (in Utah, that means your “personal injury protection” coverage) pays for medical treatment.

Other out-of-pocket losses incurred by anyone covered under the policy, up to coverage limits, regardless of who caused the accident.

Utah requires at least $3,000 in no-fault (known as “personal injury protection” or “PIP”) coverage.

According to the Utah Division of Motor Vehicles, no-fault insurance must be continuously maintained on all passenger vehicles (cars and trucks) throughout the vehicle’s registration period if:

  • the vehicle’s owner/operator is a Utah resident, or
  • the vehicle’s owner/operator is a non-resident of the state who operates a vehicle that has been physically present in Utah for 90 days during the last 365 days (in this situation, the non-resident owner must maintain no-fault insurance while the vehicle remains in the state).

It’s important to note that Utah’s no-fault car insurance system applies to injuries caused by car accidents, but not to vehicle damage claims. A claim for damage to (or total loss of) a vehicle can be made against the at-fault driver in Utah, with no limitations.

Seat Belt and Car Seat Laws

Are you aware of Utah’s seat belt and car seat laws? Utah wants its drivers to be safe while on the road, so pay attention and buckle up as we truck through this next section.

Safety Belt Laws in UtahDetails
Effective SinceApril 28, 1986
Primary Enforcementyes; effective since 05/12/15
Age/Seats Applicable16+ years in all seats
1st Offense Max Fine$45

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Keep your child safe by following these important car seat laws.

Type of Car Seat RequiredDetails
Must be in child safety seat7 years and younger and shorter than 57 inches
Preference for rear seatlaw states no preference for rear seat
Maximum base fine 1st offense, additional fees may apply$45
Adult Belt Permissible8 through 15 years; all children 57 inches or taller

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Break one of these laws and you’re looking at paying a fine of $45 plus fees.

According to AAA, except for employees on duty, riding in the cargo area of a pickup truck is not permitted.

Keep Right and Move Over Laws

In Utah, you’re supposed to move right if you are blocking traffic in the left lane. If you’re traveling at a slower speed than normal, move right to allow faster traffic to pass.

According to the AAA, State law requires drivers approaching a stationary authorized emergency vehicle, tow truck or highway maintenance vehicle displaying flashing lights, and traveling in the same direction, to reduce speed and, if safe to do so, vacate the lane closest to stationary vehicles.

Speed Limit Laws

Listed below are the maximum speed limits for the state of Utah.

Type of RoadwaySpeed Limit
Rural Interstates75; 80 on specified segments of road
Urban Interstates65 mph
Other Limited Access Roads75 mph
Other Roads65 mph

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In Utah, the speed limit may be increased beyond 75 mph on any freeway or limited access highway on the basis of an engineering and traffic investigation. The highest posted limit in Utah is currently 80 mph.

Ridesharing

Have you ever heard of ridesharing services like Uber or Lyft?

If you are an Uber driver, it is Utah state law that you must have ridesharing insurance.

If you need ridesharing insurance, the providers below would be more than happy to help assist you:

  • Allstate
  • Farmer’s
  • American Family
  • State Farm

Keep in mind that an insurance company can legally refuse to give you a policy if they know you need ridesharing insurance.

Automation on the Road

So what in the world is automation on the road?

In driving, automation involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver.

One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a back-up if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

Currently, Utah is in the vehicle automation deployment stage.

This means that right now, there are automatic vehicles that do not require an operator to be inside the vehicle on the road in Utah. However, the operator must be licensed by the state of Utah and operators must have insurance.

Safety Laws in Utah

Let’s talk about safety. This next section won’t be as long, but it’s just as important.

To be short and to the point, we want to cover DUI laws and penalties, distracted driving laws and impaired driving laws. First, we’ll discuss drinking and driving statistics.

DUI Laws

From 2008-2017, there were a total of 468 alcohol-impaired traffic fatalities on the roads in Utah. Fifty-three of those deaths happened in 2017 alone. Take a look at some of these DUI laws below.

Name for OffenseDriving Under the Influence (DUI)
BAC Limit0.05
High BAC Limit0.16
Criminal Status1st-2nd class B misdemeanors, 3rd+ in 10 years third degree felonies
Look Back Period10 years

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If you get caught drinking and driving just one time, you could have your license taken away for up to two years.

Number of OffenseALS or RevocationImprisonmentFineOther
1st Offense120 days; alcohol restricted driving privilege 2 yearsmin 48 consecutive hours OR 48 hours community service OR home confinement$1,310 minIID 18 months
2nd Offense2 years; alcohol restricted driving privilege 10 yearsmin 240 consecutive hours OR 240 hours community service OR home confinement$1,560 min
3rd Offense2 years, alcohol restricted driving privilege for life62 days up to 5 years$2,850 up to $5000IID 18 months
4th OffenseSame as third

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The penalties for a fourth offense are the same as those for a third offense. Hopefully, you’re never in one of these situations, but if you are, just know that these penalties are enough to end your driving independence for a good, long while.

Marijuana-Impaired Driving Laws

There is a zero-tolerance law for THC and metabolites in the state of Utah. If you’re caught with marijuana in your system at all, you could be facing jail time and you may even be stuck paying all kinds of fines.

Don’t drink and drive, and don’t do drugs — especially while you’re driving.

Distracted Driving Laws

If you are 18 or younger, it is illegal to use your cell phone for anything while driving. Texting and driving is completely illegal in the state of Utah.

Hand-held banYoung drivers all cellphone banTexting banEnforcement
NoDrivers younger than 18All driversPrimary

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Studies have shown that looking down at your cell phone for just a few seconds can be worse than drinking and driving. Please be safe while on the road and use your discretion when it is necessary to use a cell phone while driving.

Driving in Utah

So far, we’ve covered safety laws, rules of the road, insurance laws, insurance rates, and premiums, and vehicle licensing laws. But now we want to cover the risks of the road.

Do you know what risks are out there when it comes to driving around in the beautiful Beehive state?

We want to answer questions like what cities in Utah have the worst vehicle theft? What causes traffic fatalities? What is traffic congestion like in Utah? How many vehicles does the average family own in Utah?

Stay tuned because all these questions are answered up next.

Vehicle Theft in Utah

Is your car on Utah’s most-stolen vehicle list?

On this list below, the year with the vehicle is just the most popular model year stolen. The number listed as stolen for that make and model includes all model years of it.

Make/ModelYear of VehicleThefts
Honda Accord1997938
Honda Civic1998915
Subaru Legacy1996262
Ford Pickup (Full Size)2006238
Chevrolet Pickup (Full Size)2004225
Dodge Pickup (Full Size)2012117
Subaru Impreza1997106
Acura Integra1995103
Jeep Cherokee/Grand Cherokee1996102
Nissan Altima199797

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Clearly, the Honda Accord is the most-stolen vehicle in the state of Utah.

This next list is pulled directly from the FBI. It shows the data for vehicle theft by city.

CityMotor
vehicle
theft
American Fork/Cedar Hills40
Big Water0
Blanding3
Bluffdale17
Bountiful60
Brian Head0
Brigham City18
Cedar City37
Centerville35
Clearfield50
Clinton16
Cottonwood Heights48
Draper260
Enoch6
Fairview2
Farmington28
Fountain Green1
Garland2
Grantsville34
Harrisville22
Heber15
Helper0
Hurricane22
Kanab2
Kaysville24
La Verkin10
Layton83
Lehi56
Lindon19
Logan37
Lone Peak17
Mapleton3
Moab7
Monticello1
Mount Pleasant64
Murray472
Naples1
Nephi7
North Ogden24
North Park13
North Salt Lake50
Ogden468
Orem129
Park City6
Payson18
Perry2
Pleasant Grove4
Pleasant View13
Price4
Provo117
Richfield18
Riverdale28
Roosevelt57
Roy38
Salem2
Salina6
Salt Lake City1,886
Sandy270
Santa Clara/Ivins13
Santaquin/Genola8
Saratoga Springs11
Smithfield6
South Jordan156
South Ogden36
South Salt Lake397
Spanish Fork15
Spring City1
Springdale0
Springville30
Stockton0
Sunset3
Syracuse14
Tooele674
Tremonton9
Vernal9
Washington21
West Bountiful27
West Jordan384
West Valley1,146
Willard1
Woods Cross10

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Now that we’ve gone over vehicle theft statistics, it’s time to discuss a sadder topic: traffic fatality rates.

Road Fatalities in Utah

What causes road fatality? Are there certain factors that contribute to higher traffic fatality rates? Is it weather patterns? Are some vehicles more likely to be involved in a traffic fatality than others? What about EMS response time? Speeding? Alcohol?

Certainly, all of these factors go into road fatalities, but how much do they really affect the rate and how can you avoid them?

Most Fatal Highway in Utah

US Route 89 in Utah has had 112 fatal crashes over the last decade. It is important to note that this highway runs through several national parks.

To determine the most dangerous highway in each US state, Geotab.com calculated a fatal crash rate that is based on the annual number of road fatalities and fatal crashes according to the National Highway Traffic Safety Administration, adjusted for the average daily traffic counts provided by the Federal Highway Administration.

Fatal Crashes by Weather Condition and Light Condition

Let’s look at weather and light condition as it pertains to fatal crashes.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1272453110215
Rain7540016
Snow/Sleet602008
Other111104
Unknown000314
TOTAL1413060151247

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According to this table above, most of these fatal crashes happened in broad daylight under normal weather conditions.

Fatalities (All Crashes) by County

The following information is brought to you by the National Highway Traffic Safety Administration.

This next chart shows rates for fatal crashes by counties in Utah from 2013-2017.

CountyFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Beaver County4250161.931.1278.81015.66
Box Elder County5131610129.8625.3430.8818.8822.19
Cache County1012412218.5410.183.349.8116.88
Carbon County4483419.1319.439.2814.7319.71
Daggett County001110090.4292.5197.18
Davis County12111127113.723.353.297.913.16
Duchesne County4921320.0344.529.634.9214.98
Emery County6269455.7718.857.9488.0539.69
Garfield County2405139.7479.81010019.69
Grand County3764113273.9362.8541.43113.71
Iron County83241117.196.384.158.0321.57
Juab County3205729.2319.21045.4462.22
Kane County2352128.0841.8570.9627.313.22
Millard County7495855.7931.9171.2739.4362.19
Morgan County04213037.7718.138.7925.27
Piute County0001000068.350
Rich County02002087.950083.65
Salt Lake County53667669694.96.056.886.156.08
San Juan County785101246.753.1532.8165.2478.15
Sanpete County934433210.613.9413.659.99
Sevier County8239338.559.6514.3842.5614.07
Summit County4674510.415.3517.689.912.16
Tooele County8151420913.1924.4122.3530.9613.34
Uintah County285365.621.6813.248.2917.07
Utah County21243931253.814.286.815.254.12
Wasatch County35971011.2517.9230.7522.931.15
Washington County14181715159.5211.9110.999.429.05
Wayne County33100110.42111.3237.2600
Weber County18162119157.566.668.647.685.96

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Traffic Fatalities: Rural vs Urban

Most people think that most traffic fatalities happen in the city, where there are the most amount of cars on the road. However, usually, this is not the case.

Usually, there are more EMS services located in urban areas, so it is faster to reach a victim in the field at a crash site, resulting in an easier rescue.

Area2008200920102011201220132014201520162017
Rural17614113111795107125127121116
Urban100103122126122113131151160156
Total276244253243217220256278281273

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From 2008-2010, there were more fatalities in rural areas than there were in urban areas; from 2011-2017, there were more fatalities in Utah’s urban areas than in rural areas.

Fatalities by Person Type

Did the type of vehicle and/or person type have anything to do with the fatality rate in Utah?

Person Type20132014201520162017
OccupantsPassenger Car6989958589
Light Truck - Pickup4027383832
Light Truck - Utility2429304341
Light Truck - Van7111285
Large Truck54648
Bus20001
Other/Unknown Occupants557187
Total Occupants152165188196185
Light Truck - Other00002
MotorcyclistsTotal Motorcyclists3145364139
NonoccupantsPedestrian2832473542
Bicyclist and Other Cyclist69556
Other/Unknown Nonoccupants35241
Total Nonoccupants3746544449
TotalTotal220256278281273

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From this list, it appears that passenger cars are most likely to be involved in a traffic fatality in Utah.

Read more: When Another Driver Crashes Your Car

Fatalities by Crash Type

What type of crash usually resulted in a fatality?

Crash Type20132014201520162017
Total Fatalities (All Crashes)220256278281273
(1) Single Vehicle141146150161146
(2) Involving a Large Truck2018392036
(3) Involving Speeding7590647278
(4) Involving a Rollover7980829379
(5) Involving a Roadway Departure126128118137142
(6) Involving an Intersection (or Intersection Related)3672627858

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According to this table, fatalities result in single-vehicle crashes.

Five-Year Fatality Trend for the Top 10 Counties in Utah

The table below shows the five-year fatality rate for the 1o largest counties in Utah.

County20132014201520162017
Salt Lake County5366766969
Utah County2124393125
Cache County101241221
Washington County1418171515
Weber County1816211915
Box Elder County513161012
San Juan County7851012
Davis County1211112711
Grand County376411
Iron County832411

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Fatalities Involving Speeding by County in Utah

Speeding is a major culprit for traffic fatalities.

CountyFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Beaver County01101015.5615.76015.66
Box Elder County116321.971.9511.585.663.7
Cache County540454.273.3903.274.02
Carbon County03320014.5514.739.820
Daggett County0001000092.510
Davis County742732.171.220.62.050.86
Duchesne County130005.0114.84000
Emery County2202018.5918.8019.570
Garfield County02020039.90400
Grand County1111310.6710.5610.4710.3631.01
Iron County312106.452.134.152.010
Juab County100249.740018.1835.56
Kane County1000014.040000
Millard County3011423.9107.927.8931.1
Morgan County03113028.339.078.7925.27
Piute County0000000000
Rich County01001043.980041.82
Salt Lake County16231613171.482.111.451.161.5
San Juan County170136.6746.5106.5219.54
Sanpete County201227.1103.496.836.66
Sevier County100004.820000
Summit County101302.602.537.430
Tooele County366514.959.769.587.741.48
Uintah County162262.816.265.295.5317.07
Utah County11109651.991.781.571.020.82
Wasatch County123163.757.1710.253.2718.69
Washington County567673.43.974.523.774.23
Wayne County0000000000
Weber County842653.361.670.822.431.99

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Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County in Utah

Drunk-driving is one of the worst fatality statistics to look at because they are 100 percent avoidable.

CountyFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Beaver County1000015.480000
Box Elder County0221503.93.861.899.25
Cache County220111.711.700.820.8
Carbon County121104.789.74.914.910
Daggett County00001000097.18
Davis County321420.930.610.31.170.58
Duchesne County3200015.029.89000
Emery County002120019.319.7819.85
Garfield County1001019.8700200
Grand County1030310.67031.42031.01
Iron County200004.30000
Juab County100129.74009.0917.78
Kane County01020013.95027.30
Millard County124107.9715.9531.687.890
Morgan County0000000000
Piute County0001000068.350
Rich County01001043.980041.82
Salt Lake County6241311200.562.21.180.981.76
San Juan County2136313.346.6419.6939.1419.54
Sanpete County000110003.413.33
Sevier County100104.82004.730
Summit County00320007.584.950
Tooele County241703.36.511.610.840
Uintah County05203013.555.2908.53
Utah County435540.730.530.870.850.66
Wasatch County00102003.4206.23
Washington County222321.361.321.291.881.21
Wayne County001000037.2600
Weber County233210.841.251.230.810.4

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Teen Drinking and Driving

Teenage drinking and driving is a sad statistic: but thankfully, Utah’s under-21 alcohol-impaired-driving fatality rate was under the national average.

DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
196212.633

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According to this table, Utah is ranked third in the nation for DUI arrests in teens 18 and younger.

The national average for under-21 drinking and driving fatalties is 1.2 per 100,000 population. Utah’s average rate is .5 deaths per 100,000 population.

Let’s continue by talking about a little less of a depressing topic: EMS response time.

EMS Response Time

Arriving at a crash site as soon as possible is detrimental when someone’s life hangs in the balance. Seconds can sometimes mean the difference between life and death.

Check out this chart below. EMS response services are likely to get to a crash site faster if it is in an urban area; urban areas usually mean there are more hospitals, firefighters, paramedics and EMS in the area.

AreaTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural6.7 mins20.16 mins39.52 mins50.51 mins97
Urban2.23 mins6.85 mins24.61 mins34.2 mins149

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Response times were significantly faster in urban areas, however more fatal crashes occurred in urban areas than in rural areas in Utah.

Transportation

Car insurance companies often determine an average rate based on state averages. These state averages have to do with car ownership, commute averages, and even how much traffic there is on the road.

Let’s discuss car ownership averages first.

Car Ownership in Utah

According to Data USA, the following chart displays the households in Utah distributed between a series of car ownership buckets compared to the national averages for each bucket.

The largest share of households in Utah have two cars, followed by three cars.

Utah Car Ownership

The orange bars shown above represent Utah’s average and the gray bars represent the national average.

Commute Time in Utah

Using averages, employees in Utah have a shorter commute time (20.5 minutes) than the normal US worker (25.5 minutes). Additionally, 1.44 percent of the workforce in Utah have “super commutes” in excess of 90 minutes.

Commute Time in Utah

Commuter Transportation

In 2017, the most common method of travel for workers in Utah was Drove Alone, followed by those who Carpooled and those who Worked At Home.

no-filter

Keep in mind that these statistics are from 2017.

Traffic Congestion in Utah

None of Utah’s cities are on Inrix‘s list of worst cities in the world for traffic congestion. Obviously, this doesn’t mean you won’t ever have to sit in traffic – especially if you live or commute in Salt Lake City.

Well, in the words of Porky Pig, that’s all folks.

Now that we’ve covered all you need to know about Utah auto insurance, it’s time to start comparing rates and shopping for your very own insurance policy. To begin, use our free tool by entering your zip code in the box below.

Happy shopping.

 

  1. https://www.thehartford.com/aarp/car-insurance/utah/state-driving
  2. https://www.nolo.com/legal-encyclopedia/utah-no-fault-car-insurance.html
  3. https://le.utah.gov/xcode/Title41/Chapter12A/41-12a-S303.2.html?v=C41-12a-S303.2_2015051220150512
  4. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  5. https://content.naic.org/
  6. https://www.allstate.com/personal-umbrella-policy.aspx
  7. https://www.esurance.com/info/car/myth-modified-car-insurance-is-hard-to-find
  8. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  9. https://content.naic.org/consumer#complaints_state
  10. https://www.experian.com/blogs/ask-experian/consumer-credit-review/
  11. https://www.iii.org/article/background-on-insurance-fraud
  12. http://www.carwindshields.info/states
  13. https://www.responsibility.org/alcohol-statistics/state-map/state/california/
  14. https://das.utah.gov
  15. https://www.autoinsurance.org/utah-auto-insurance/
  16. https://njpaip.com/utaip.html
  17. https://insurance.utah.gov
  18. https://le.utah.gov/xcode/Title78B/Chapter2/78B-2-S305.html
  19. https://le.utah.gov/~2019/bills/static/HB0105.html
  20. https://le.utah.gov/~2019/bills/static/HCR011.html
  21. https://le.utah.gov/asp/passedbills/passedbills.asp
  22. https://dmv.utah.gov/register/insurance
  23. https://dmv.utah.gov/faq/registering
  24. https://www.drivinglaws.org/resources/utah-reckless-driving-laws-penalties.htm
  25. https://drivinglaws.aaa.com/tag/seat-belts/
  26. https://le.utah.gov/xcode/Title41/Chapter6A/41-6a-S704.html?v=C41-6a-S704_2015051220150512
  27. https://drivinglaws.aaa.com/tag/move-over-law/
  28. https://www.iihs.org/topics/speed/speed-limit-laws#fn8
  29. https://www.iihs.org/topics/advanced-driver-assistance/autonomous-vehicle-laws
  30. crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/utah.xls
  31. https://www.geotab.com/the-most-dangerous-highways-in-america/
  32. https://cdan.dot.gov/
  33. https://www.responsibility.org/wp-content/uploads/2018/02/2016-Under-21-Alcohol-Impaired-Driving-Fatalities-Per-100000-Population-by-State.pdf
  34. https://datausa.io/profile/geo/utah/#category_transportation
  35. https://inrix.com/scorecard/

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