Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Utah Average car insurance cost in Utah The average full coverage car insurance cost in Utah is $2,250 annually, or $188 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in Utah, your monthly cost for full coverage car insurance is $188, which adds up to $2,250 per year. For minimum coverage, expect to pay an average of $59 monthly, or $708 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,250 / Year Average per month cost $188 Average cost for state minimum coverage $870 / Year Cheapest car insurance company Nationwide$1,188 / Year Average cost for young drivers $3,589 / Year Average cost for Senior drivers $2,318 / Year 012345 1 of 6 Average car insurance cost in UtahIf you live in Utah can expect to pay an average of $188 per month for full coverage car insurance – that’s $2,250 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $59 monthly or $708 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in UtahNationwide has the cheapest rates, at an average annual cost of $1,188 or $99 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $116 per month or $1,397 annually.While these insurance companies have some of the lowest average rates in Utah, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Utah Graph Table Company nameAverage per month costAverage annual costNationwide$99$1,188GEICO$116$1,397Auto-Owners$163$1,953United Insurance Co$211$2,531Progressive$218$2,622Farmers$229$2,752Allstate$240$2,879Iowa Farm Bureau$262$3,138State Farm$370$4,444USAA*$113$1,354*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Utah car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Utah Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Utah Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$932/year Full Coverage$2,005/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in UtahYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $59 per month or $708 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Utah, drivers typically pay $188 per month or $2,250 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$708Liability only$870Full coverage$2,250Non-owner state minimum liability$603Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Utah by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like West Valley City, Salt Lake City or West Jordan, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like St. George or Layton pay significantly low insurance rates, on average between $2,072 and $2,198 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costSt. George$2,072Layton$2,198South Jordan$2,290Provo$2,293Ogden$2,296Sandy$2,339Orem$2,372West Jordan$2,459Salt Lake City$2,508West Valley City$2,623Powered by:Average car insurance cost in Utah by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Utah, based on age and gender.Average car insurance cost in Utah for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Utah pays an average of $5,129 annually for car insurance, compared to $4,894 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,830 per year for male drivers and $2,724 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,129$4,89421$3,811$3,43622$3,468$3,19223$3,201$2,98424$3,012$2,836Powered by:Average car insurance cost in Utah for adult driversAn adult driver aged 25-60 in Utah pays $2,235 annually for full coverage, or around $186 each month. Women in the same age group pay $2,268 per year or $189 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,830$2,72430$2,436$2,46335$2,330$2,40440$2,203$2,29745$2,132$2,23950$2,053$2,07555$1,994$2,00360$1,991$1,984Powered by:Average car insurance cost in Utah for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,139 annually, while women pay $2,078.By 70, average rates go up to $2,311 for men and $2,177 for women. At age 75, costs increase further, reaching $2,748 for men and $2,439 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,139$2,07870$2,311$2,17775$2,748$2,439Powered by:Minimum car insurance requirements in UtahWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Utah can help you avoid fines and make smarter choices about your coverage.Drivers in Utah must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $30,000Bodily injury per accident: $65,000Property damage liability: $25,000Cheapest cars to insure in UtahYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Mazda MX-5 Miata tops the list for cheapest car to insure in Utah at an average cost of $1,501 a year, followed closely by Honda CR-V at $1,571 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumMazda MX-5 Miata$1,501Honda CR-V$1,571Ford Transit$1,585Mini Cooper Electric$1,590Honda HR-V$1,592Chrysler Voyager$1,621Volkswagen Tiguan$1,622Mini Cooper Countryman JCW$1,624Subaru Forester$1,625Chevrolet Express$1,626Powered by:Most expensive cars to insure in UtahMaserati Quattroporte is one of the most expensive vehicles to insure in Utah, with an average annual cost of $5,817.Below is a list of the costliest vehicles to insure in Utah and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,817Maserati Ghibli$5,571BMW M8 Gran Coupe$4,802Audi RS7$4,452BMW M8$4,424Audi RS Q8$4,379Mercedes-AMG G63$4,269Nissan GT-R$4,259Maserati Levante$4,158BMW X6 M$4,099Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in UtahCheapest car insurance companies in UtahAverage cost of car insurance by coverage levels in UtahAverage car insurance cost in Utah by cityAverage car insurance cost in Utah by ageMinimum car insurance requirements in UtahCheapest cars to insure in UtahMost expensive cars to insure in UtahMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330