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 comprehensive guide to buying car insurance for Utah drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Utah works and how much insurance you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Utah, costing $1,135 per year.
- In Utah, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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%.
How much is car insurance in Utah?
CarInsurance.com data found that drivers in Utah pay $152 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
The state minimum car insurance cost in Utah is $582 a year. However, this basic coverage only offers limited protection. Utah drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Utah must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Utah
Liability-only car insurance costs $756 in Utah for coverage limits of 50/100/50, according to CarInsurance.com data.
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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
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.
This means that residents in higher-risk neighborhoods in Utah have to bear greater financial burdens than those in areas with lower risks.
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.
Utah car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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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, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Utah.
Insurance rates by car model
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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.
Drivers aged 16-19 pay $4,675 more for car insurance than Utah drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,769 annually in Utah.
- For senior drivers: Drivers aged 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Utah, a DUI conviction often results in higher premiums and you may see an increase of up to 50% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Utah, you’ll likely see an increase in your car insurance premium by up to 25% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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
High-risk drivers in Utah pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,909 |
| Nationwide | $1,984 |
| Auto-Owners | $2,453 |
| State Farm | $2,523 |
| Geico | $2,604 |
| Progressive | $2,838 |
| Allstate | $3,225 |
| Farmers | $5,035 |
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Utah by getting quotes from several insurers for comparison.
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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,100 |
| USAA | $1,167 |
| Geico | $1,341 |
| Auto-Owners | $1,355 |
| Progressive | $1,852 |
| Iowa Farm Bureau | $1,986 |
| State Farm | $1,997 |
| Allstate | $2,062 |
| United Insurance Co | $2,136 |
| Farmers | $2,603 |
How much does car insurance cost in Utah per month?
In Utah, a full coverage car insurance policy with 100/300/100 limits typically costs about $152 per month.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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