- The average cost of car insurance in Utah is $2,356 a year or $196 per month, based on our data analysis.
- Minimum liability coverage in Utah costs around $1,011 annually for limits of 30/65/25, while liability-only coverage costs $1,088 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Utah, costing $1,550 per year.
- In Utah, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 24%, a DUI raising rates by 42%, and an at-fault accident by up to 52%.
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. GEICO offers the cheapest rates at $1,550 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?
According to CarInsurance.com data, drivers in Utah pay about $196 per month 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 $757 a month or $9,082 a year.
- Young drivers in their 20s pay an average of $306 monthly or $3,678 annually, for car insurance.
- Senior drivers pay around $210 monthly or $2,515 a year.
- A speeding ticket can increase your rates to $242 monthly or $2,910 annually.
- An at-fault accident increases car insurance rates to $299 a month or $3,589 a year.
- Poor credit drivers usually see their car insurance costs increase to $373 monthly or $4,481 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 30/65/25 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $84 | $1,011 |
| Liability Only – 50/100/50 BI/PD | $91 | $1,088 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $196 | $2,356 |
State minimum car insurance in Utah
Utah’s car insurance laws require a minimum coverage of $30,000 in bodily injury liability per person, $65,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Utah is $1,011 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Utah
The average cost of liability-only insurance in Utah is $1,088 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
The average annual premium in Utah is $2,356 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Utah
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
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.
As a result, people living in higher-risk neighborhoods of Utah have to pay more than those living where the risks are lower.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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 $2,278 annually.
Utah drivers aged 16-19 pay $6,804 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 $9,082 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,526 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,278 per year in Utah.
- For senior drivers: Drivers age 65 and older can expect to pay $2,515 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Utah
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Utah can increase your premiums by up to 42% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Utah, you’ll likely see an increase in your car insurance premium by up to 24% 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.
Here is how much your car insurance rate increases in Utah after driving incidents:
- Speeding ticket: Up to 24% increase
- DUI conviction: 42% increase
- At-fault accident (bodily injury and property damage): 52% increase
But even with a traffic ticket, comparison shopping can save you money.
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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
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.
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 |
|---|---|---|---|
| GEICO | $543 | $640 | $1,550 |
| Dairyland | $1,210 | $1,251 | $2,059 |
| Auto-Owners | $840 | $892 | $2,097 |
| Progressive | $919 | $993 | $2,260 |
| United Insurance Co | $1,403 | $1,597 | $2,590 |
| Allstate | $1,102 | $1,194 | $2,919 |
| Farmers | $1,207 | $1,284 | $2,967 |
| Iowa Farm Bureau | $1,238 | $1,287 | $3,143 |
| State Farm | $2,697 | $2,919 | $4,472 |
| USAA | $521 | $562 | $1,354 |
Car insurance rates by city in Utah
West Jordan is Utah’s most expensive city for car insurance at an average cost of $2,580 annually. St. George is the state’s least expensive city, with an average car insurance rate of $2,205 annually.
Car insurance costs differ from city to city in Utah, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
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?
The average cost of a full-coverage car insurance policy in Utah costs $196 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $84 |
| Liability Only – 50/100/50 BI/PD | $91 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $196 |
Final thoughts on choosing car insurance in Utah
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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 30/65/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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