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 learn how auto insurance in Utah works and how much insurance you need.
- 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%.
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 budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 is the least expensive coverage and meets the minimum legal requirements in Utah, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage 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
According to CarInsurance.com data, liability-only car insurance costs $756 in Utah for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Utah
The average annual premium in Utah is $1,825 for a full coverage policy with 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 costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Utah have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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 ( Liability - Minimum)
Estimate car insurance in Utah by car model
Car insurers in Utah use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Utah drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,769 annually.
Car insurance for drivers aged 16-19 costs $4,675 more annually than Utah 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.
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
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.
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.
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.
Begin your search for the top car insurance policy in Utah by getting quotes from multiple insurance providers and comparing them.
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 premiums differ across cities in Utah and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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.
Find below the average annual car insurance cost for drivers in some of Utah’s major cities.
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?
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.
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
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 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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
