UTAH CAR INSURANCE CHECKUP

Am I paying more than I should be? A free Utah car insurance check.

Enter what you pay and the coverage you carry to ask, am I paying more than I should be? This page compares your premium to a published Utah average and flags coverage questions worth a review. It is not a quote.

Step 1 of 5 — Vehicles

1 of 5

Your vehicles

Add each vehicle on this policy. Choose a year, make, and model from the lists. If yours is not listed, choose Other / not listed and type it.

Drivers on this policy

Number of drivers *

Youngest driver’s age range *

Accidents or tickets in the last 3–5 years *

What you pay

What do you pay now? *Enter the total premium for this auto policy, not the amount per car.

How often is that billed? *

Your coverage

Current coverage type * Utah’s current personal auto split minimums are 30/65/25 for policies issued or renewed on or after January 1, 2025. “Full coverage” is a common phrase, not a legal term.

Liability limits, if you know them

Do you have uninsured / underinsured motorist coverage (UM/UIM)? * Utah requires insurers to offer UM/UIM. It can be rejected in writing.

Your checkup

Send your details to Trenton

Send your name and contact details and the information you entered above. Trenton can compare your actual coverage and follow up, usually within a business day. A request does not bind, change, or cancel insurance.

Name *

Email *

Phone (optional)Only needed if you choose the optional marketing call/text consent below. Otherwise Trenton will reply by email only.

ZIP code *Five-digit U.S. ZIP.

Optional: upload your declarations pagePDF, JPG, or PNG only. Maximum 10 MB. Form submissions and uploaded files are stored by Forminit, our form-processing provider. Share only documents you are authorized to provide, and redact sensitive information first. You can skip this upload.

Read the privacy policy before sharing your information. Checkup answers are saved only on this device until you choose Start over.

Trenton usually replies within one business day (Mon–Fri).

No cost, no obligation · No spam calls · Takes about 2 minutes

Licensed Utah agent · License #1114275 · Advance Insurance, 248 S State St, Orem · Verify license

How to read this checkup.

What is the average cost of car insurance in Utah?

The comparison in the tool above uses NerdWallet’s November 2026 Utah analysis, updated November 2, 2026. That study reported average quoted rates of $2,435 a year for full coverage and $906 a year for minimum coverage, for a sample 35-year-old driver and one 2023 Toyota Camry LE. Those figures are recent sample quotes, not the average of every policy written in Utah, and not your quote.

If your policy covers more than one vehicle, the checkup annualizes what you pay and then divides by the number of vehicles, because that published average is per vehicle. The result screen says so next to the comparison.

Official written-premium data tells a different, older story. The National Association of Insurance Commissioners’ 2024 Auto Insurance Database Average Premium Supplement, dated September 2026 and announced October 1, 2026, reports calendar year 2024 premiums. In that supplement, Utah’s combined average premium for liability, collision, and comprehensive was $1,402.65 per insured vehicle, and the liability average premium was $812.20. Those numbers are official, but they describe premiums written in 2024, so they are not used as the 2026 comparison benchmark here.

The two sources can both be accurate and still disagree, because they measure different things: current sample quotes versus older written premiums, and different coverage packages. This page names the source, the date, and what was measured next to the result.

Why Utah car insurance rates differ

Two households can carry the same liability limits and still pay very different premiums. Age and driving experience are common rating factors. A newer or less experienced driver is often priced differently than a mid-career driver with a longer record. The vehicle matters too: year, make, model, how it is used, and where it is parked overnight. A commute, business use, or high mileage can change the conversation. Driving record is another major factor: accidents, tickets, and gaps in coverage can follow a policy at renewal, and so can a change in who regularly drives the car.

Where the car is garaged matters. Utah ZIP codes are not interchangeable. A move across a city, or from one county to another, can change the rate even when the drivers and cars stay the same.

Coverage choices also change the price. Liability limits above the legal minimum, uninsured and underinsured motorist coverage, collision and comprehensive, and deductibles all affect what you pay. A higher limit or a lower deductible usually costs more than a minimum-only policy, and being above a minimum-coverage average can be expected in that case.

Insurers may also use a credit-based insurance score where Utah law allows it. Utah Code §31A-22-320 limits how credit information can be used on motor-vehicle policies, including restrictions at renewal. Whether credit applied to a given policy is a question for the insurer, not something this checkup can see.

Signs you might be overpaying

A published average cannot tell you, by itself, that you are overpaying. It can only show whether your annualized, per-vehicle premium sits well above a sample quoted rate. If this checkup shows “You might be overpaying,” treat that as a reason to review the file, not as a finding that you will pay less if you switch.

Other practical signs that a review is worthwhile, even when the price looks typical:

You have not compared the same limits and deductibles after a move, a new driver, or a new vehicle.
You carry only Utah’s 30/65/25 legal minimum and have not asked whether those limits would be enough after a serious crash.
Your renewal changed and you were not told which factor drove it.
You are not sure whether uninsured motorist coverage was rejected in writing, or whether collision still fits an older car.

None of those signs is a promise of a lower rate.

What to do at renewal

Renewal is a good time to check for gaps. It is not a deadline invented to create urgency. Pull the declarations page. Confirm the drivers, vehicles, garaging address, and mileage are still right. Compare the limits and deductibles with what you actually want, including personal injury protection and uninsured or underinsured motorist coverage.

If you want a like-for-like look at the premium, run the free check above, then send the details if you would like a licensed agent to review them. Bring the current policy, the declarations page, and driver and vehicle information to that conversation. You can also start a regular quote request or read Utah’s auto minimums and PIP rules and how to tell if you might be overpaying.

A request does not bind, change, cancel, or renew insurance. This checkup is not a quote.

Questions about this checkup.

How does this Utah car insurance checkup work?

You move through a few short sections about your vehicles, drivers, what you pay, and your coverage. After a short check, the page compares your annualized, per-vehicle premium with a published Utah average. If that amount is more than 10% above the average, it shows “You might be overpaying.” Otherwise it shows “You probably have a pretty good price.” It also flags a few coverage questions based on Utah rules. You can then choose whether you want Trenton to take a look. Your answers are saved only on this device so you can pick up later; Start over clears them. Nothing is sent until you submit your contact information.

What Utah average does this tool use?

It uses NerdWallet’s November 2026 Utah analysis, updated November 2, 2026: $2,435 a year for full coverage and $906 a year for minimum coverage, for a sample 35-year-old driver and one vehicle. Those are quoted rates, not a promise of what you will pay. The official NAIC 2024 combined average premium of $1,402.65 per insured vehicle is cited for context but is not the comparison benchmark, because it describes premiums written in 2024.

Does this tell me if I am paying more than I should be?

It can only compare your annualized, per-vehicle premium with a published average for a sample driver. If you are more than 10% above that average, the result is “You might be overpaying.” Otherwise it is “You probably have a pretty good price.” That is not a personal quote, a finding that you are or are not overpaying, or a promise that shopping will lower your price. Actual rates depend on your record, vehicles, ZIP code, coverage, and insurer.

What are Utah’s minimum auto insurance requirements?

For policies issued or renewed on or after January 1, 2025, Utah’s standard personal auto split minimums are 30/65/25, or a $90,000 combined single limit, plus PIP with a $3,000 medical benefit. UM/UIM must be offered and may be rejected in writing. Those minimums are a legal baseline, not a recommendation for every household.

When is a good time to run this check?

Renewal is a natural time to compare the premium and look for coverage gaps. It is also useful after a move, a new driver, or a new vehicle, or whenever you want to see how what you pay compares with a published average. There is no deadline on this page.

If the result says I might be overpaying, will switching lower my rate?

No result on this page promises a lower rate or names a carrier. A figure above a published average is only a comparison with a sample quoted rate. Actual prices depend on your record, vehicles, ZIP code, coverage, and underwriting. A licensed review can look at the actual policy; it still cannot guarantee a lower price.

What happens after I send my information?

The request, including the checkup details you entered, is emailed to Trenton Lewis at Advance Insurance. He can follow up using the contact preferences you chose, and he usually replies within one business day (Monday through Friday). A submission does not bind, change, or cancel coverage, and you can skip the optional declarations-page upload.

Run the free check