If you are looking for auto insurance in Utah, knowing how much it will cost is a promising idea. The average premium for car insurance in Utah is $1,478 per year or $123 per month. While the national average is $1,682. There is a difference of $204 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Utah, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Utah per month

In Utah, the average premium for car insurance is $123 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Utah, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Utah is GEICO Casualty Co. The average annual cost is $779 while the average cost per month is $65. The second-best option available is, USAA Casualty Ins Co, offering insurance at an average per month cost of $75.

The table below lists the other available car insurance companies which offer car insurance in Utah, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
GEICO Casualty Co$65$779
USAA Casualty Ins Co$75$896
Nationwide Agribusiness Ins Co$90$1,077
Auto-Owners Ins Co$100$1,194
Progressive Direct Ins Co$110$1,320
American Family Ins Co$130$1,562
State Farm Mutl Automobile Ins$130$1,566
Mid-Century Ins Co$153$1,840
Allstate F&C Ins Co$157$1,889
Metropolitan Casualty Ins Co$164$1,973

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Utah

The amount of coverage you purchase has an impact on how much car insurance costs in Utah. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Utah is $661.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Utah is $1,478 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Utah, the average annual cost for non-owner state minimum liability only is $450.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $537 per year in Utah.

Coverage limitsAverage annual cost
50/100/50 Liability Only$661
100/300/100 Liability with $500 Comp/Coll Deductible$1,478
Non-Owner State Minimum Liability Only$450
State Minimum Liability Only$537

Average car insurance cost in Utah by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Utah:

CityAverage annual cost
Salt Lake City$1,681
West Valley City$1,737
Provo$1,553
West Jordan$1,638
Orem$1,581
Sandy$1,588
St. George$1,371
Ogden$1,520
Layton$1,461
South Jordan$1,564

Average car insurance cost in Utah by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Utah is $2,847 while for seniors is $1,514. Here, the rate for young drivers is $1,333 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Utah for young drivers

The average car insurance cost for female young drivers in Utah is $2,668 per year or $222 per month and rate for a male young driver is $3,026 per year or $252 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$5,711$4,940
19$3,912$3,363
20$3,448$2,975
21$2,717$2,386
22$2,391$2,137
23$2,203$1,996
24$2,035$1,860
25$1,793$1,690

Average car insurance cost in Utah for senior drivers

In Utah, the cost of car insurance for senior female driver is $1,489 per year or $124 per month and cost of car insurance for male senior driver is $1,539 per year or $128 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,401$1,363
70$1,523$1,478
75$1,694$1,626

Read more about senior car insurance

Summary of average car insurance cost in Utah
Average annual cost
$1,478
Average per month cost
$123
Average cost for state minimum coverage
$537 / Year
Cheapest car insurance company
GEICO Casualty Co
($779/ Year)
Average cost for young drivers
$2,847 / Year
Average cost for Senior drivers
$1,514 / Year
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