How Much Is Car Insurance in Utah? (2026)

How much is car insurance in Utah?

Utah drivers pay less for car insurance than the national average. Liability-only coverage, which pays for injuries and damage you cause to other people, averages $92 per month, or $1,109 per year. Full coverage, which adds collision coverage and comprehensive coverage for your own car, averages $146 per month, or $1,754 per year.

Here’s how those averages compare with the U.S. and nearby states:

• Full coverage: Utah’s average is less than the U.S. average of $187.

• Liability-only coverage: Utah’s average is slightly less than the U.S. average of $99.

• Nearby states: Full coverage costs more in Colorado ($217 per month) and Nevada ($260) but less in Idaho ($107).

The table below shows liability and full-coverage averages in Utah by month and year:

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$92	$1,109
Full coverage	$146	$1,754

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.

Minimum car insurance requirements in Utah

Utah requires liability coverage and personal injury protection (PIP), which covers medical bills after a crash, no matter who’s at fault. You must keep both active throughout your registration period, and policies typically list the liability limits as 30/65/25.^{[1] [2]}

Coverage Type	Utah Minimum Requirement
Bodily injury liability	$30,000 per person/$65,000 per accident
Property damage liability	$25,000 per accident
Personal injury protection (PIP)	$3,000 per person

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Cheapest car insurance companies in Utah

Liability-only coverage is the cheapest car insurance in Utah because it doesn’t pay to fix your own car. Liability-only insurance isn’t right for every driver. About 26% of Utah drivers have a car loan, according to Insurify data, and lenders may require full coverage on a financed car.^[3]

Liability-only policies also don’t include comprehensive coverage, which pays for natural disaster damage to your car. Utah wildfires burned more than half a million acres in 2026, according to state data. If a wildfire damages your car, you’d have to pay for the repairs yourself if you didn’t have a full-coverage policy.

These insurance companies have the cheapest rates for liability insurance in Utah:

The below rates in Utah are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
USAA	$50
Auto-Owners	$60
Progressive	$60
National General	$65
State Farm	$67
GEICO	$74
The General	$76
Sun Coast	$79
Allstate	$82
American Family	$84
Direct Auto	$91
Mile Auto	$91
Clearcover	$95
Freedom National	$95
Root	$101
Safeco	$106
Bristol West	$111
Dairyland	$112
GAINSCO	$115
Farmers	$117
Liberty Mutual	$148
State Auto	$155

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.

Average Utah car insurance rates by city

The most expensive cities for full-coverage car insurance in Utah are in Salt Lake County, and the cheapest are in southwestern Utah. West Valley City has the highest average auto insurance rates, at $120 per month for liability-only coverage and $186 for full coverage. Cedar City has the lowest, at $75 and $127, respectively.

Two factors may help explain part of the price difference:

• Longer commutes: West Valley City’s average commute is 22.6 minutes, compared to 13.4 minutes in Cedar City, according to U.S. Census Bureau data. Longer commutes can add miles, and the Utah Insurance Department lists annual mileage as a rating factor.^[4]

• A larger population: West Valley City has about 137,500 residents, compared to about 41,900 in Cedar City. Repair costs, another rating factor, tend to be higher in more populated areas.

Find your city to see its average monthly quotes, though your address can still price differently:

The below rates in Utah are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

City	Average Monthly Quote
Cedar City	$101
Tooele	$109
Saint George	$110
Layton	$119
Draper	$120
Lehi	$121
Ogden	$121
Provo	$125
Orem	$128
Midvale	$131
Salt Lake City	$133
West Valley City	$153

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.

Average Utah car insurance rates by age

Your age affects your car insurance rate because insurers charge more for age groups that file more claims. Inexperience, distractions, and risky behavior often contribute to crashes involving young drivers, Utah’s transportation and public safety agencies report.^[5]

In Utah, teen drivers pay the most for car insurance, and drivers in their 60s pay the least, with full coverage averaging $284 per month for teens and $125 for senior drivers.

Compare average monthly quotes for three different age groups side by side:

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$179	$284
Adults (40s)	$96	$152
Seniors	$79	$125

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

Insurers set rates based on the expected cost of future claims, and your driving history is one factor they weigh. In Utah, 5.65% of drivers have a speeding ticket on their record, 5.40% have an at-fault accident, and 0.75% have a DUI, according to Insurify data. Drivers with any of these incidents pay more than drivers with a clean record, and Insurify data shows that accidents lead to the highest premium increases in Utah.

The table below shows how each driving incident compares with a clean record:

Driving Record	Average Monthly Quote in UT	% Increase Compared to Clean Driving Record
Clean driving record	$119	N/A
With speeding ticket	$151	27%
With accident	$169	42%
With DUI	$148	24%

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.

What affects car insurance rates in Utah?

Along with your age and driving record, several Utah rules and conditions shape your quote:

• Higher minimum limits: Utah raised its minimum liability limits to 30/65/25 in 2025, and the coverage levels and deductible you choose affect your quote.

• No-fault coverage: Every Utah policy includes PIP, which pays the first $3,000 of medical expenses for each injured person.

• A lower DUI limit: Utah was the first state to lower its legal blood alcohol concentration (BAC) limit from 0.08% to 0.05%, and a DUI on your record can raise your car insurance rates.^[6]

• Credit-based scoring: Utah insurers use an insurance score that includes some credit-based factors. A good credit score can mean lower rates, and a poor credit score can mean higher rates.

• Weather conditions: Winter storms in Salt Lake County raise the risk of car accidents, and insurers set rates based on expected claim costs.

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How Utah car insurance rates have changed over the past five years

Utah drivers paid an average of $1,150 per year for full-coverage car insurance at the end of 2021, according to Insurify data. The average climbed to a peak of $2,176 in August 2024 and has since fallen to $1,754 as of September 2026.

Safer roads could be one reason rates have come down from the 2024 peak. Utah’s traffic deaths hit their lowest level since 2019 in 2025, according to the Utah Department of Transportation.

How to lower car insurance costs in Utah

Utah drivers have a few ways to get lower car insurance quotes:

• Use the state’s comparison tables. The Utah Insurance Department publishes auto rate comparisons for the state’s top 20 insurers, so you can see a baseline before you shop.^[7]

• Compare regional insurers. Bear River Mutual and Farm Bureau Financial Services both offer auto insurance in Utah. Rates vary by company, so get quotes from both local and nationwide insurers to find the best insurance company for your situation.

• Protect your car. Wasatch Front storms can bring hail, flash floods, and fierce winds. Avoid parking under trees when it’s windy, and turn around if you encounter a flooded road. A claims-free record may earn you a discount on your monthly premium.

• Look for car insurance discounts. Utahns may qualify by taking a driver’s education course, being a good student, driving fewer miles, or bundling auto with renters or homeowners insurance policies.^[8]

Utah average car insurance cost FAQs