Average Car Insurance Cost in Utah (2025 Rates)

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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

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

Average car insurance cost in Utah

If you’re a resident of Utah, full coverage car insurance typically costs about $188 per month, adding up to $2,250 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $59, or $708 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Utah

If you’re looking for affordable insurance, Nationwide tops the list of the cheapest car insurance companies. Its average annual cost is $1,188 per year or $99 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also provides affordable insurance rates in Utah for a full coverage policy at an average annual insurance cost of $1,397 or $116 monthly.

While these companies offer some of the lowest average premiums in Utah, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

Affordable car insurance providers in Utah

Graph

Table

Company name	Average per month cost	Average annual cost
Nationwide	$99	$1,188
GEICO	$116	$1,397
Auto-Owners	$163	$1,953
United Insurance Co	$211	$2,531
Progressive	$218	$2,622
Farmers	$229	$2,752
Allstate	$240	$2,879
Iowa Farm Bureau	$262	$3,138
State Farm	$370	$4,444
USAA*	$113	$1,354

*USAA is only available to military community members and their families.

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Acura Integra

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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/year

Recommended

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 2025

Average cost of car insurance by coverage levels in Utah

Your 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 limits	Average annual cost
State minimum liability-only	$708
Liability only	$870
Full coverage	$2,250
Non-owner state minimum liability	$603

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Average car insurance cost in Utah by city

Where you live in Utah can have a big impact on your car insurance rates.

If you’re located in cities like West Valley City, Salt Lake City, or West Jordan, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.

On the other hand, drivers in cities like St. George and Layton tend to pay much lower insurance premiums, between $2,072 and $2,198 per year.

These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.

City	Average annual cost
St. George	$2,072
Layton	$2,198
South Jordan	$2,290
Provo	$2,293
Ogden	$2,296
Sandy	$2,339
Orem	$2,372
West Jordan	$2,459
Salt Lake City	$2,508
West Valley City	$2,623

Average car insurance cost in Utah by age

Age 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 drivers

If 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$5,129	$4,894
21	$3,811	$3,436
22	$3,468	$3,192
23	$3,201	$2,984
24	$3,012	$2,836

Average car insurance cost in Utah for adult drivers

An 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
25	$2,830	$2,724
30	$2,436	$2,463
35	$2,330	$2,404
40	$2,203	$2,297
45	$2,132	$2,239
50	$2,053	$2,075
55	$1,994	$2,003
60	$1,991	$1,984

Average car insurance cost in Utah for senior drivers

Car 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 driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$2,139	$2,078
70	$2,311	$2,177
75	$2,748	$2,439

Minimum car insurance requirements in Utah

Whether you’re buying your first insurance policy or just moved to Utah, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Utah must carry at least the following minimum liability coverage:

Bodily injury per person: $30,000
Bodily injury per accident: $65,000
Property damage liability: $25,000

Cheapest cars to insure in Utah

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Mazda MX-5 Miata has the lowest premium, at an average of $1,501 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $1,571.

The table below shows the cheapest cars to insure and their average annual rates.

Make Model	Average annual premium
Mazda MX-5 Miata	$1,501
Honda CR-V	$1,571
Ford Transit	$1,585
Mini Cooper Electric	$1,590
Honda HR-V	$1,592
Chrysler Voyager	$1,621
Volkswagen Tiguan	$1,622
Mini Cooper Countryman JCW	$1,624
Subaru Forester	$1,625
Chevrolet Express	$1,626

Most expensive cars to insure in Utah

Maserati Quattroporte tops the list as the most expensive car to insure in Utah, at an average annual cost of $5,817. Below is a list of the most expensive vehicles to insure in Utah and their average annual premiums.

Make Model	Average annual premium
Maserati Quattroporte	$5,817
Maserati Ghibli	$5,571
BMW M8 Gran Coupe	$4,802
Audi RS7	$4,452
BMW M8	$4,424
Audi RS Q8	$4,379
Mercedes-AMG G63	$4,269
Nissan GT-R	$4,259
Maserati Levante	$4,158
BMW X6 M	$4,099

Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

Full 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 limits
Liability-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:

Young drivers aged 20-24
Adult drivers aged 25-26
Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Tennessee$2,214/Year

Texas$2,631/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

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.