- The average cost of car insurance in Utah is $1,825 a year or $152 per month, based on our data analysis.
- Minimum liability coverage in Utah costs around $582 annually for limits of 25/65/15, while liability-only coverage costs $756 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Utah, costing $1,135 per year.
- In Utah, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 25%, a DUI raising rates by 50%, and an at-fault accident by up to 48%.
The cost of car insurance in Utah varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,135 a year for full coverage.
This guide makes buying car insurance in Utah easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Utah works and how much coverage you need.
How much is car insurance in Utah?
In Utah, drivers pay an average of $152 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Utah based on driver profile:
- Teen drivers in Utah pay the most – about $537 a month or $6,444 a year.
- Young drivers in their 20s pay an average of $238 monthly or $2,852 annually, for car insurance.
- Senior drivers pay around $159 monthly or $1,902 a year.
- A speeding ticket can increase your rates to $194 monthly or $2,333 annually.
- An at-fault accident increases car insurance rates to $241 a month or $2,892 a year.
- Poor credit drivers usually see their car insurance costs increase to $283 monthly or $3,400 annually.
Average cost of auto insurance in Utah by coverage level
In Utah, the cost of car insurance can vary depending on how much coverage you purchase. Utah drivers need at least the minimum insurance coverage limits of 25/65/15 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Utah. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Utah for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $49 | $582 |
| Liability Only – 50/100/50 BI/PD | $63 | $756 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $152 | $1,825 |
State minimum car insurance in Utah
Utah laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $65,000 for bodily injury liability per accident and $15,000 for property damage liability.
In Utah, you can get state minimum car insurance for $582 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Utah must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Utah
The average cost of liability-only insurance in Utah is $756 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Utah
In Utah, you can expect to pay around $1,825 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Utah
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Utah pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Utah
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Utah
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Utah have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Utah
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Utah by car model
Utah car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Utah.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Utah
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Utah, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,769 annually.
Utah drivers aged 16-19 pay $4,675 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,444 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,723 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,769 per year in Utah.
- For senior drivers: Drivers age 65 and older can expect to pay $1,902 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Utah
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Utah, a DUI conviction lead to increased rates and you may see a rate hike of up to 50% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Utah, be prepared for your car insurance rates to rise by up to 25% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 25% increase
- DUI conviction: 50% increase
- At-fault accident (bodily injury and property damage): 48% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Utah for high-risk drivers
In Utah, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Utah
In Utah, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Utah by getting quotes from different insurance companies.
Below are the details of Utah car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $429 | $507 | $1,135 |
| GEICO | $395 | $552 | $1,325 |
| Auto-Owners | $432 | $554 | $1,393 |
| Progressive | $575 | $745 | $1,845 |
| United Insurance Co | $801 | $1,036 | $2,071 |
| Iowa Farm Bureau | $597 | $729 | $2,154 |
| State Farm | $641 | $781 | $2,175 |
| Allstate | $726 | $914 | $2,279 |
| Farmers | $867 | $1,288 | $2,638 |
| USAA | $360 | $450 | $1,237 |
Car insurance rates by city in Utah
West Valley City is the most expensive city in Utah, with an average car insurance rate of $2,179 a year. Cedar City is the cheapest city for Utah drivers at an average rate of $1,671 annually.
Car insurance rates vary by city in Utah for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Utah.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Utah per month?
The average cost of a full-coverage car insurance policy in Utah costs $152 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $49 |
| Liability Only – 50/100/50 BI/PD | $63 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $152 |
Final thoughts on choosing car insurance in Utah
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Utah.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Utah. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/65/15.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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