Car insurance premiums in Utah can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Utah by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Utah
In Utah, Mazda MX-5 Miata and Honda CR-V have the cheapest car insurance rates, followed by Ford Transit and Mini Cooper Electric, based on our research.
The table below highlights the most affordable vehicles to insure in Utah, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $750 |
| Honda CR-V | $786 |
| Ford Transit | $793 |
| Mini Cooper Electric | $795 |
| Honda HR-V | $796 |
| Chrysler Voyager | $811 |
| Volkswagen Tiguan | $811 |
| Mini Cooper Countryman JCW | $812 |
| Subaru Forester | $813 |
| Chevrolet Express | $813 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Utah
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Utah
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $874 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $951, and the Honda Accord, which costs $956 to insure.
Below, you’ll find the most affordable sedans to insure in Utah and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $874 |
| Nissan Versa | $951 |
| Honda Accord | $956 |
| Volkswagen Jetta | $959 |
| Honda Civic Sedan | $960 |
| Kia Forte | $981 |
| Nissan Sentra | $986 |
| Volkswagen Jetta GLI | $993 |
| Toyota Camry | $997 |
| Toyota Corolla | $1,002 |
| Nissan Altima | $1,017 |
| Chevrolet Malibu | $1,028 |
| Hyundai Elantra | $1,030 |
| Mazda 3 Sedan | $1,046 |
| Kia K5 | $1,070 |
| Mitsubishi Mirage G4 | $1,078 |
| Hyundai Sonata | $1,085 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Utah
In Utah, the Honda CR-V and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $786 and $796 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $786 |
| Honda HR-V | $796 |
| Volkswagen Tiguan | $811 |
| Subaru Forester | $813 |
| Chevrolet TrailBlazer | $823 |
| Honda Pilot | $828 |
| Mazda CX-5 | $832 |
| Mini Cooper Countryman | $840 |
| Jeep Wrangler | $840 |
| Toyota Corolla Cross | $844 |
| Kia Sportage | $847 |
| Hyundai Tucson | $852 |
| Kia Seltos | $855 |
| Hyundai Kona | $856 |
| Ford Escape | $858 |
| Chevrolet Equinox | $860 |
| Chevrolet Trax | $861 |
| Mazda CX-30 | $864 |
| Subaru Crosstrek | $866 |
| Toyota RAV4 | $866 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Utah
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $750.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $750 |
| Chevrolet Camaro | $1,007 |
| Honda Civic Si | $1,009 |
| Ford Mustang | $1,120 |
| Toyota GR Corolla | $1,162 |
| Subaru WRX | $1,216 |
| BMW Z4 | $1,220 |
| Subaru BRZ | $1,227 |
| Toyota GR86 | $1,237 |
| Porsche 718 Boxster | $1,243 |
| Chevrolet Camaro ZL1 | $1,257 |
| Toyota GR Supra | $1,261 |
| Honda Civic Type R | $1,285 |
| Chevrolet Corvette | $1,343 |
| Porsche 718 Cayman | $1,415 |
| Nissan Z | $1,612 |
| Jaguar F-Type | $1,647 |
| Chevrolet Corvette Z06 | $1,655 |
| Porsche 911 | $1,784 |
| Porsche 911 Turbo | $1,857 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Utah
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $846 for a full coverage six-month policy. It is followed by the Acura MDX ($930) and Volvo XC40 ($935).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $846 |
| Acura MDX | $930 |
| Volvo XC40 | $935 |
| Cadillac XT4 | $986 |
| Lincoln Corsair | $997 |
| Cadillac XT5 | $1,001 |
| Audi Q3 | $1,009 |
| Volvo XC60 | $1,011 |
| BMW X3 | $1,013 |
| Acura Integra | $1,019 |
| Mercedes-Benz GLA-Class | $1,039 |
| Lexus RX | $1,053 |
| Land Rover Discovery Sport | $1,059 |
| Acura TLX | $1,065 |
| BMW X2 | $1,065 |
| Alfa-Romeo Tonale | $1,080 |
| Lexus NX | $1,087 |
| Lincoln Aviator | $1,099 |
| Genesis GV70 | $1,099 |
| Porsche Macan | $1,102 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Utah
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,478 annually, which breaks down to $207 monthly.
The table below highlights the most affordable EVs to insure in Utah, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $795 |
| Hyundai Kona Electric | $863 |
| Kia Niro EV | $884 |
| Volkswagen ID.4 | $920 |
| Nissan Leaf | $969 |
| Toyota Mirai | $1,011 |
| Chevrolet Silverado EV | $1,035 |
| Audi Q4 e-tron | $1,051 |
| Subaru Solterra | $1,055 |
| Ford F-150 Lightning | $1,095 |
| Ford Mustang Mach-E | $1,120 |
| Hyundai Ioniq 5 | $1,121 |
| Toyota bZ4X | $1,125 |
| Genesis Electrified GV70 | $1,130 |
| Jaguar I-Pace | $1,132 |
| Cadillac LYRIQ | $1,143 |
| Volvo XC40 Recharge | $1,144 |
| Kia EV6 | $1,151 |
| Chevrolet Blazer EV | $1,174 |
| Genesis GV60 | $1,187 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Utah
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $4,279 to insure a Honda CR-V, while insuring a Subaru Outback costs $4,309 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Utah?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $795, whereas the cost of insuring a Hyundai Kona Electric is $863 for the same coverage.
Which SUVs are the cheapest to insure in Utah?
With an average six-month full coverage premium of $786, the Honda CR-V is one of the least expensive SUVs to insure in Utah. Honda HR-V and Volkswagen Tiguan also offer affordable premiums to Utah drivers.
What are the cheapest cars to insure for teen drivers in Utah?
The Honda CR-V, Subaru Outback, Mini Cooper Countryman JCW and Subaru Forester are among the most affordable cars to insure for 18-year-old drivers in Utah. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and BMW M8 Gran Coupe come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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