Utah Average Cost of Car Insurance Rates (2023)

How Much Does Car Insurance Cost In Utah?

On average, car insurance rates for drivers in Utah are $198 per month, and $2372 per year. The average rates make Utah the 30th most expensive state in the country for car insurance rates and 13% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Utah Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Utah and has selected the following providers and quotes as the best rates for drivers in Utah.

Utah Car Insurance Rates by City

For drivers in Utah, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Utah.

What Is the Average Cost of Car Insurance in Utah by Age?

Teenagers pay a high price to drive in Utah: $381 on average, which they’ll likely have trouble covering with the earnings from a part-time job. Luckily, young adults in their 20s see their average rates go down to $197, which is a dollar below the state average.

The age group that pays the least, on average, for car insurance is drivers in their 60s. These Utah drivers only have to worry about roughly $139 per month going toward car insurance—less than half the amount those teenagers have to pay.

What Is the Average Cost of Car Insurance in Utah by Gender?

In Utah, men pay about $16 more for car insurance than women. Meanwhile, women pay $191 per month, which is $7 below the state average.

Does Marital Status Influence the Average Cost of Car Insurance in Utah?

In Utah, securing that marriage license will only make a minor difference on your car insurance rates. Married drivers in Utah pay $194 per month on average, which is just $7 less than single drivers. Married drivers also pay just $4 below the state average of $198 per month.

Minimum Car Insurance Requirements in Utah

All motor vehicles operated or parked on Utah roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Utah^[1] are:

• $25,000 per person for bodily injury

• $65,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Utah is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $3,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

How Does Credit History Affect Utah Car Insurance Rates?

Utah allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, there is only a difference of $3 between the average rates of those with an excellent credit history ($182 per month) and those with a poor credit history ($179 per month). Drivers with an average or good credit history pay even more for car insurance, at $188 per month and $192 per month, respectively.

What Is the Average Cost of Car Insurance in Utah for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Utah will pay $15 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $37. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies