Average Car Insurance Cost in Utah (2026)
Drivers in Utah pay an average of $119 per month for car insurance.
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Written byMichelle Lambright Black
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Michelle Lambright BlackInsurance, Personal Finance Writer
24+ years in personal finance writing
Plutus award winner
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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David MarlettAdvisor
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Utah’s average car insurance rates of $92 per month for liability coverage and $147 for full coverage are similar to the national average. U.S. drivers pay $97 per month for liability coverage and $183 for full coverage, on average.
But it’s worth pointing out that car insurance rates have been trending upward in the Beehive State. The average cost of full-coverage car insurance rates in Utah increased by 15% between 2023 and 2024, Insurify data shows. You should compare quotes from more than one insurance company to find the best policy for your coverage needs.
Here’s what you should know about car insurance in Utah.
Quick Facts
Utah drivers pay average annual rates of $1,105 per month for minimum coverage and $1,761 for full coverage.
USAA, Auto-Owners, and State Farm have the lowest average car insurance rates in Utah.
Ogden is the city with the cheapest insurance premiums in Utah, with average rates of $93 per month for liability-only coverage and $143 for full coverage.
How much is car insurance in Utah?
Utah drivers pay an average cost of $92 per month, or $1,105 per year, for minimum coverage. The average cost for full-coverage car insurance in Utah is $147 per month — an annual cost of $1,761.
Your exact insurance premium will depend on various factors, like your desired coverage amount, chosen deductible, driving record, ZIP code, credit history, and more.[1]
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How Utah car insurance rates have changed over the past two years
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To find car insurance rates in Utah and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Utah rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Utah.
See how Utah car insurance prices have changed over the past two years below.
Average Utah Car Insurance Rates Over the Past Two Years
State Name | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Utah | 1,955 | 2,043 | 2,100 | 2,134 | 2,170 | 2,114 | 2,098 | 2,099 | 2,059 | 2,021 | 2,022 | 2,016 | 2,006 | 1,980 | 1,932 | 1,880 | 1,813 | 1,791 | 1,772 | 1,752 | 1,750 | 1,749 | 1,749 | 1,760 |
Average Utah car insurance rates by city
Within the state of Utah, average car insurance costs can differ based on where you live, even down to your ZIP code.
In cities with larger populations, like Salt Lake City and Provo, drivers often pay higher premiums than the state average. Rates are typically higher in more populated areas due to differing rates of accidents, thefts, weather events, and other risk factors that could cost an insurance company money.
The table below breaks down the average monthly cost of car insurance for drivers in several cities in Utah.
The below rates in Utah are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Cedar City | $74 | $123 |
| Tooele | $86 | $136 |
| Saint George | $90 | $135 |
| Draper | $91 | $143 |
| Layton | $91 | $139 |
| Ogden | $93 | $143 |
| Lehi | $95 | $150 |
| Orem | $99 | $146 |
| Provo | $100 | $148 |
| Salt Lake City | $101 | $158 |
| Midvale | $106 | $157 |
| West Valley City | $121 | $180 |
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Utah
April 9, 2026
Average Utah car insurance rates by age and gender
Age and gender are two additional factors that may influence your car insurance premiums.
In Utah, teen drivers pay the highest costs for car insurance because of their lack of driving experience. But starting in their 20s, drivers start to see a decrease in their insurance rates as they age.
On average, Utah drivers pay the most affordable car insurance premiums in their 60s. But senior drivers 70 and older may face rate increases due to aging-related risk factors.
The table below provides average rates for Utah drivers by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $222 | $370 |
| 20 | $136 | $226 |
| 25 | $122 | $203 |
| 30 | $108 | $180 |
| 40 | $100 | $166 |
| 50 | $92 | $152 |
| 60 | $89 | $148 |
| 70+ | $96 | $160 |
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $209 | $348 |
| 20 | $128 | $212 |
| 25 | $115 | $191 |
| 30 | $102 | $170 |
| 40 | $94 | $156 |
| 50 | $86 | $144 |
| 60 | $83 | $140 |
| 70+ | $90 | $150 |
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost to insure popular vehicles in Utah
The car you drive also affects your car insurance premium. And since Utah is known for frequent snowfall, it makes sense that three of the state’s most popular vehicles are trucks.[2]
Below, you’ll see the average full-coverage insurance costs for five of the most popular vehicles in Utah.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $175 |
| Tesla Model Y | $307 |
| Chevrolet Silverado | $186 |
| Toyota RAV4 | $171 |
| GMC Sierra | $187 |
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Utah
Your driving record is one of the most significant factors affecting your car insurance premium as a Utah driver. With a clean driving record, you’ll typically earn lower annual insurance costs. But if your driving record shows a history of speeding tickets, car accidents, or DUIs, you’ll typically pay higher insurance rates because insurers account for the risk you may pose.
Here are the average rates for full-coverage insurance for a sample driver profile in Utah with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $250 | 39% |
| With speeding ticket | $247 | 37% |
| With DUI | $286 | 59% |
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Utah allows car insurance companies to consider your credit history when determining your car insurance rates. But the state has a few restrictions. Namely, your credit can’t be the only detail the car insurance company considers, and it can only use credit information to offer you a rate discount, not to charge you a higher premium.[3]
The table below outlines the average price you might pay for car insurance based on your credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $96 $161 Good $107 $179 Average $105 $175 Poor $119 $198 Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How to lower your insurance costs in Utah
Average Utah car insurance costs have been trending upward for auto owners for several years. So, it’s understandable that you might want to find ways to lower your insurance premiums.
Here are a few suggestions that may help you find cheap car insurance in Utah:
Bundle insurance
Consider bundling multiple insurance policies, like auto insurance and homeowners insurance, through the same insurance company. This strategy could help you meet your insurance needs with a single insurance company and save you money in the process.
Increase your deductible
Another possible way to save on average annual car insurance rates is to increase the deductible on your policy. Just make sure you have enough money in savings to pay for out-of-pocket costs if you’re in a car accident.
Take a safe driver course
Completing a defensive driving course might make you eligible for a discount, depending on the insurance company.
Decrease your coverage amount
It’s essential to have enough car insurance to meet the Utah minimum coverage requirements and your specific insurance needs. But if you want to save, consider whether you can afford to lower your coverage amounts. Ask yourself how much car insurance you need.
Comparison shop
Shopping around to see which insurance companies offer the best rates for your insurance needs can be one of the most effective ways to save on insurance premiums.
Utah average car insurance cost FAQs
The rate you pay for Utah car insurance depends on many different factors. If you have more questions about finding cheap car insurance in Utah, the following answers may help.
The average annual rate of car insurance in Utah is $1,433. On average, Utah drivers pay an annual rate of $1,105 for liability coverage and $1,761 for full coverage.
USAA offers the cheapest car insurance coverage on average to Utah drivers, with an average monthly rate of $57 for minimum coverage. Auto-Owners and State Farm are two other affordable insurance companies in Utah.
The average cost of car insurance in Utah is $92 per month for liability coverage and $147 for full coverage. Car insurance costs can vary in Utah based on factors like vehicle type, driving record, credit history, and the age of the auto owner. For example, a young driver typically pays much more for car insurance than an older driver.
USAA, Auto-Owners, and State Farm are three of the best auto insurance companies in Utah. But it’s always important to compare rates and benefits from multiple insurers to make sure you find a company that can meet your insurance needs at a rate that fits your budget.
The Utah Division of Motor Vehicles requires drivers to have bodily injury liability, property damage liability, and personal injury protection (PIP) coverage on all passenger cars and trucks.[4] Drivers must carry $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, and $3,000 in PIP coverage.[5]
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
- Utah Division of Motor Vehicles. "Vehicle Insurance Requirements."
- Utah State Legislature. "Motor vehicle liability policy minimum limits.."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Michelle Lambright BlackInsurance, Personal Finance Writer
24+ years in personal finance writing
Plutus award winner
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor