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.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Utah, costing $1,135 per year.
- In Utah, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Utah costs $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?
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.
Average cost of auto insurance in Utah by coverage level
Car insurance costs in Utah can differ based on the coverage limit. To legally drive, Utah residents must adhere to the minimum liability limits of 25/65/15.
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 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.
Below are the Utah car insurance costs for three different coverage levels.
| 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 car insurance requirements to remain legally 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
On average, premiums for full coverage car insurance in Utah cost $1,825 per year 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.
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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
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 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
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.
Here’s a breakdown of how much your car insurance rate goes up in Utah following 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, comparing quotes can still help you save money.
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 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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Utah
Drivers in Utah can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
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 priciest city in Utah for car insurance, costing an average of $2,179 annually. On the other hand, Cedar City is the most affordable city, where drivers pay an average of $1,671 per year for car insurance.
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.
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.
The table below shows the average annual car insurance premiums for Utah’s largest cities.
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?
The average cost of a full-coverage car insurance policy in Utah costs $152 monthly for coverage limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Utah.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Utah