Home Car insurance Car insurance calculator Utah car insurance calculator Utah car insurance calculator 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: November 13, 2025 Why you can trust Insure.com Quality Verified 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. If you drive in Utah, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Utah car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Utah, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in UtahGet a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.Step 1: Choose the model year of your carStep 2: Choose the make and model of your carStep 3: Choose your stateStep 4: Click on the “Get My Rates” button to get a car insurance estimatStep 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices 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:Does your vehicle model affect car insurance rates in Utah?Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.For example, the average annual full coverage cost for a Honda Accord LX in Utah is $1,911, while the average premium for a Honda CR-V is $1,571 – that’s a difference of $340 annually.How your car’s model year affects insurance rates in UtahIn Utah, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,162 year to insure, whereas the 2024 model costs $1,847 annually. Know the minimum insurance you need in UtahEvery state has specific car insurance requirements. In Utah, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Utah’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment. 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 How your car’s trim affects insurance rates in UtahInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in Utah, full coverage car insurance for a 2023 Honda Accord LX costs $4,162 a year, while the higher-end Accord EX-L trim costs $3,587 annually – a difference of $575 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. You might find interesting Average car insurance cost in UtahCar insurance calculator for teens in UtahCheapest SR-22 insurance in UtahDo you need insurance to register a car in Utah?How much is gap insurance in UtahLow-cost car insurance in UtahNon-owner car insurance in Utah: Which company has the cheapest rates?The best, cheapest car insurance in UtahUtah car insurance: Rates, state minimum requirements and best companiesBest and cheapest companies for home and auto bundles in UtahShow more How much drivers pay for car insurance in UtahIn Utah, the average cost of full-coverage car insurance is $2,250 per year or $188 per month. Your premium may be higher or lower depending on your chosen coverage limits.Below, you’ll find estimated costs for different coverage levels in Utah, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,250$188Liability Only – 50/100/50 BI/PD$870$72State Minimum BI/PD$708$59Non-Owners$603$50Powered by:How much is car insurance in Utah by cityIn Utah, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in West Valley City pay about $2,623 per year for a full coverage policy, where as drivers in Providence pay $2,034 annually.Top 20 cities with cheapest car insurance rates in UtahCityAvg. Annual PremiumAvg. Monthly PremiumProvidence$2,034$169Hurricane$2,035$170Logan$2,036$170Kanarraville$2,037$170Castle Dale$2,043$170Huntington$2,047$171Kanab$2,056$171Springdale$2,057$171Leeds$2,058$171Wellsville$2,058$172Brian Head$2,059$172La Verkin$2,060$172Hyde Park$2,063$172Orangeville$2,063$172Annabella$2,065$172Elmo$2,066$172Millville$2,071$173Holden$2,072$173St. George$2,072$173Rockville$2,073$173Powered by:Top 20 cities with most expensive car insurance in rates UtahCityAvg. Annual PremiumAvg. Monthly PremiumWest Valley City$2,623$219Kearns$2,613$218North Salt Lake$2,560$213South Salt Lake$2,533$211Magna$2,520$210Salt Lake City$2,508$209Cottonwood Heights$2,500$208Taylorsville$2,483$207Murray$2,477$206West Jordan$2,459$205Dugway$2,456$205Fountain Green$2,447$204Midvale$2,433$203Spanish Fork$2,426$202Lyman$2,423$202Chester$2,416$201Mexican Hat$2,405$200Vernal$2,403$200Kingston$2,399$200Newcastle$2,397$200Powered by:Want to know what you’ll pay? Use our Utah car insurance calculatorOur car insurance calculator for Utah factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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 Shivani GiteContributing 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. In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month a lot for car insurance? 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