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: December 18, 2025 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 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 UtahIf 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 UtahNationwide provides the lowest full coverage rates, for an average cost of $1,188 per year or $99 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Utah drivers at an average cost of $1,397 a year or $116 per month.Although these insurers offer some of the most affordable average rates in Utah, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: 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 cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $59 a month, or about $708 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Utah pay around $188 per month, or roughly $2,250 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 cityCar insurance rates can vary widely depending on where you live, even within Utah.Cities like West Valley City, Salt Lake City, or West Jordan tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like St. George or Layton, with average annual premiums between $2,072 and $2,198.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Utah for full coverage, depending on your age and gender.Average car insurance cost in Utah for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Utah, 20-year-old male drivers pay an average of $5,129 per year for car insurance, while their female counterparts pay $4,894 for the same coverage.However, by age 25, average car insurance costs drop to about $2,830 per year for male drivers and $2,724 for female drivers.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 per year for full coverage, or $186 each month. Female drivers of the same age pay $2,268 annually or $189 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,139 per year, and women pay $2,078.By age 70, those averages increase to $2,311 for men and $2,177 for women. At 75, premiums rise again, reaching $2,748 for male drivers and $2,439 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 purchasing a policy for the first time or relocating to Utah, it’s important to understand the state’s liability coverage requirements.Drivers in Utah must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $30,000Bodily injury per accident: $65,000Property damage liability: $25,000Cheapest cars to insure in UtahThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Mazda MX-5 Miata is one of the cheapest cars to insure in Utah, with an average premium of $1,501 per year. Honda CR-V has an average annual cost of $1,571.The table below shows the cars with the lowest average insurance rates.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 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 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: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.MethodologyInsure.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, 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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