In Utah, the average annual cost for full coverage car insurance is $1,227, and for state minimum coverage, it's $671. These rates are $69 cheaper for full coverage and $76 more expensive for minimum coverage compared to the national average.
Average Cost of Car Insurance in Utah
Updated: December 20, 2024
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Key Takeaways
Drivers in Utah pay 12.69% more for full coverage car insurance than the national average.
Minimum coverage for Utah residents is about 5% cheaper than the national average.
The average cost of car insurance in the Beehive State is $671 for minimum coverage and $1,227 for full coverage, making it one of the more affordable states.
How Much Is Car Insurance in Utah?
| Full Coverage | $1,227 | $1,296 | -5% |
| State Minimum Liability Only | $671 | $595 | 13% |
Read More: Average Cost of Car Insurance
Utah Car Insurance Rates by Coverage Level
In Utah, your choice of car insurance coverage impacts your rate. Opting for higher liability limits and full coverage can raise your rate, but a higher deductible might lower your premium. Below, find the average rates for state minimum and full coverage policies with different deductibles in the Beehive State.
| 300/500/300 | Full Coverage | $1,480 | $500 |
| 100/300/100 | Full Coverage | $1,356 | $0 |
| 300/500/300 | Full Coverage | $1,352 | $1,000 |
| 300/500/300 | Full Coverage | $1,306 | $1,500 |
| 100/300/100 | Full Coverage | $1,227 | $1,000 |
| State Minimum | Full Coverage | $1,209 | $500 |
| 100/300/100 | Full Coverage | $1,182 | $1,500 |
| State Minimum | Full Coverage | $1,081 | $1,000 |
| State Minimum | Full Coverage | $1,036 | $1,500 |
| 300/500/300 | Liability Only | $939 | $0 |
| 100/300/100 | Liability Only | $815 | $0 |
| State Minimum | Liability Only | $671 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Utah Car Insurance Cost by City
Crime, traffic and weather can affect car insurance costs in Utah's cities. For example, Provo's yearly full coverage is $1,028, Salt Lake City's is $1,117 and West Valley City tops at $1,162. Check the table below for a detailed comparison of car insurance rates in Utah's cities against the state average.
| Provo | $1,028 | -46% | $579 | -47% |
| Salt Lake City | $1,117 | -41% | $614 | -44% |
| West Jordan | $1,100 | -42% | $629 | -43% |
| West Valley City | $1,162 | -39% | $657 | -40% |
Average Utah Car Insurance Cost by Age
In Utah, age plays a role in car insurance costs; younger drivers typically face higher rates due to being considered riskier. On average, 25-year-olds pay 23% more for full coverage and 21% more for state minimum coverage than 40-year-olds, and 24% and 17% more, respectively, compared to 65-year-olds.
| 25 | $1,514 | $810 |
| 40 | $1,227 | $671 |
| 65 | $1,224 | $692 |
In most places, age can change the cost of car insurance. But in California, Massachusetts and Hawaii, your age won't affect the price of your minimum coverage.
Car Insurance Costs in Utah for Young Drivers by Gender
Young drivers in Utah face higher car insurance costs, reflecting the greater risk of accidents. On average, drivers aged 18 to 25 pay $2,011 annually when added to a family policy, 11% less than an individual policy at $2,233.
Gender also impacts car insurance rates for Utah's young drivers. Females aged 18 to 25 pay around $2,109 annually, 8% less than the $2,357 average for males. Below, you'll find the average car insurance costs for individual and family policies, detailed by gender.
Car Insurance Costs in Utah for Young Females
In Utah, an 18-year-old female added to a family car insurance policy averages $1,992. If she chooses an individual policy, her rate jumps to about $4,081, more than doubling the cost.
| 18 | $4,081 | $1,992 | -51% |
| 19 | $2,716 | $2,446 | -10% |
| 20 | $2,320 | $2,039 | -12% |
| 21 | $1,812 | $1,616 | -11% |
| 22 | $1,676 | $2,090 | 25% |
| 23 | $1,527 | $1,924 | 26% |
| 24 | $1,440 | $1,825 | 27% |
| 25 | $1,299 | $1,640 | 26% |
Car Insurance Costs in Utah for Young Males
An 18-year-old male in Utah pays about $4,672 for full coverage on his own. Joining a family policy drops the cost to $2,257, a smart 52% savings annually.
| 18 | $4,672 | $2,257 | -52% |
| 19 | $3,123 | $2,677 | -14% |
| 20 | $2,659 | $2,230 | -16% |
| 21 | $2,046 | $1,743 | -15% |
| 22 | $1,851 | $2,224 | 20% |
| 23 | $1,643 | $1,992 | 21% |
| 24 | $1,527 | $1,859 | 22% |
| 25 | $1,336 | $1,622 | 21% |
Average Utah Car Insurance Cost by Driving Record
In Utah, traffic offenses can raise your car insurance by 5% to 21%. We compared rates for drivers with at-fault accidents, DUIs and speeding tickets to those without offenses. A DUI could increase your full coverage to about $1,998, while a speeding ticket is lower at $1,511.
| At-Fault Accident | $1,814 | -5% | $980 | -11% |
| DUI | $1,998 | 5% | $1,103 | 1% |
| Ticket | $1,511 | -21% | $816 | -26% |
Read More: High-Risk Car Insurance in Utah
Average Utah Car Insurance Cost by Credit Score
In Utah, your credit-based insurance score plays a role in setting car insurance prices. For full coverage, drivers with excellent credit pay an average of $838 yearly, while those with poor credit may pay up to $1,971.
| Excellent | $838 | -56% | $373 | -66% |
| Good | $1,060 | -44% | $463 | -58% |
| Fair | $1,309 | -31% | $573 | -48% |
| Below Fair | $1,583 | -17% | $683 | -38% |
| Poor | $1,971 | 3% | $825 | -25% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 signifies financial dependability and may reduce insurance costs for Utah drivers. However, Hawaii, Massachusetts, Maryland, California and Michigan prohibit using credit-based scores for pricing. Credit can only influence rates under specific conditions in states like North Carolina, Oregon, Washington, Utah and Nevada.
Average Utah Car Insurance Cost by Company
Car insurance costs can vary between companies, even in the same state. For Utahns looking for affordable full coverage, Nationwide offers the lowest average annual premium at $709. On the higher end, State Farm's average is $2,194, about 70% higher than the state's average.
| Nationwide | $709 | $464 |
| Farmers Union Insurance | $860 | $396 |
| American Family | $937 | $609 |
| GEICO | $938 | $511 |
| Auto-Owners Insurance Co | $958 | $545 |
| Progressive | $1,046 | $495 |
| Iowa Farm Bureau | $1,316 | $711 |
| Allstate | $1,344 | $827 |
| Farmers | $1,437 | $815 |
| Kemper | $1,759 | $864 |
| State Farm | $2,194 | $1,137 |
Read More: Cheapest Car Insurance Companies in Utah
Average Utah Car Insurance Cost by Vehicle Age
In Utah, newer cars have higher insurance costs due to their value and risks. On average, full coverage for a new model is $1,198 annually, while a 10-year-old vehicle costs $979.
| 10-Year-Old Vehicle | $979 | $548 |
| New Model Vehicle | $1,198 | $532 |
ACTUAL CASH VALUE
The actual cash value (ACV) is the worth your insurer assigns to your car before it was damaged. For comprehensive or collision claims, this value helps determine the maximum payout for repairs or replacement minus any deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Utah Car Insurance Rates Explained
We find Utah's car insurance typically more affordable than the national average. Your rate depends on factors like your car, driving record and how much coverage you choose — either the state minimum or full protection.
Is Car Insurance Expensive in Utah?
Car insurance in Utah is affordable, with an average full monthly coverage cost of $102. It's 5% cheaper than the national average for full coverage policies.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Utah vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Utah Average Cost
Full Coverage Car Insurance
$102UT Car Insurance Is Expensive:$6 saved
This is 6% less expensive.
Why Are Car Insurance Rates Expensive in Utah?
Utah's car insurance rates are high due to severe weather, urbanization and strict state minimum coverage laws. These factors lead to more claims and higher costs for residents. Understanding these reasons can help you navigate your insurance options.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Utah
While Utah's average car insurance rates reflect statewide trends, your cost depends on your details. When estimating your car insurance, consider your driving record, car model and credit score.
Driving Record
Avoid traffic violations and accidents to keep your driving record spotless. Insurers offer lower rates to safe drivers.
Age and Gender
Younger drivers and males typically face higher premiums. Rates may decrease with age, so compare plans as you mature.
Credit History
Work on boosting your credit score. Many insurers use credit history to determine premiums, and high scores often lead to lower rates.
Vehicle Type
Opt for a car that's less expensive to insure. Generally, safer and less sporty vehicles attract more affordable insurance rates.
Location Within Utah
Your place of residence can affect insurance costs. Urban areas with higher theft and accident rates often lead to pricier premiums.
Coverage Level
Adjust your coverage levels to fit your needs. High deductibles can lower monthly premiums, but ensure you're adequately protected.
Marital Status
Married drivers may qualify for lower rates. Inform your insurer about your marital status change to potentially reduce your premiums.
State Law
Understand Utah's minimum insurance requirements to ensure you meet legal standards, which can also help avoid unnecessary costs.
Read More: Utah Car Insurance Calculator
Minimum Car Insurance in Utah
In Utah, the average cost for state minimum car insurance is $671, above the national average of $595. This minimum coverage is more affordable than full coverage, offering basic protection within Utah's insurance requirements. Here's a breakdown of the state's minimum insurance needs:
Utah Car Insurance Requirements
In Utah, you need minimum coverage car insurance. This includes $25,000 for injury per person, $65,000 for injuries per accident, $15,000 for property damage and $3,000 for personal injury protection.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Bodily injury liability per person to cover medical expenses if you cause an accident |
$65,000 for bodily injury liability per accident | Bodily injury liability per accident ensures coverage for multiple injured parties |
$15,000 for property damage liability per accident | Property damage liability per accident to cover repairs or replacement of damaged property |
$3,000 personal injury protection per person | Personal injury protection (PIP) per person is required to cover medical expenses, regardless of fault |
How to Lower Car Insurance Costs in Utah
To save on Utah car insurance, compare rates, opt for higher deductibles and apply for discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help residents find the most affordable car insurance, potentially saving hundreds of dollars annually.
- 2
Lower Your Risk Profile
Maintaining a clean driving record free from at-fault accidents or moving violations can significantly lower premiums, as insurers perceive you as low risk.
- 3
Adjust Your Coverage
Review your coverage needs to ensure you only pay for what's necessary. Increasing your deductible can lower costs, and usage-based policies suit drivers with fewer annual miles.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft systems, state-approved defensive driving courses and bundling policies to significantly reduce premiums.
- 5
Consider the Car You Drive
Choosing a vehicle with favorable safety ratings can help you secure low insurance costs, as these cars are often less expensive to insure.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Utah: Bottom Line
Utah drivers pay about $1,227 for full coverage car insurance annually, which is cheaper than the national average. Rates depend on your car, driving record and how much you drive. Overall, the Beehive State ranks as an affordable option for car insurance.
Utah Car Insurance Rates: FAQ
Discover what affects car insurance costs in the Beehive State. Age, driving history and vehicle type play key roles. Compare quotes to find affordable rates.
What are the minimum car insurance requirements in Utah?
In Utah, the minimum car insurance requirements include $25,000 for bodily injury per person, $65,000 for bodily injury per accident and $15,000 for property damage per accident. Additionally, personal injury protection (PIP) is mandatory, with a minimum of $3,000 per person.
What is the average cost of full coverage and minimum coverage auto insurance in Utah?
In Utah, the average annual cost for state minimum auto insurance is about $671, while full coverage typically runs around $1,227.
What is the average cost of car insurance for a 25-year-old in Utah?
The average cost for full coverage car insurance for a 25-year-old in Utah is $1,514, slightly below the state average. Meanwhile, the average for minimum coverage is $810, also below the Utah average.
What are the cheapest car insurance companies in Utah?
Nationwide offers the most affordable car insurance in Utah, with an average annual premium of $709 for full coverage and $464 for state minimum coverage. You can expect to pay roughly $59 monthly for full coverage and $39 for state minimum.
Utah Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Utah:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Utah:
- $25,000 for bodily injury liability per person
- $65,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
- $3,000 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.