Home Car insurance Car insurance calculator Utah car insurance calculator Utah car insurance calculator Estimate car insurance costs in Utah using our calculator. Compare rates and find the best policy for your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 31, 2026 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. Car insurance rates in Utah are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay. How to use our car insurance calculator to estimate your rates in Utah Getting an estimate takes less than a minute. Follow these steps:Choose your car’s model yearSelect the make and modelPick Utah as your stateClick ‘Get My Rates’ to view your estimateAdd additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates 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 Minimum$768/year Liability coverage$1,146/year Full Coverage$2,199/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in Utah? Your car’s make, model, year and trimYour location within UtahYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in Utah?A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.For example, full coverage for a Honda Accord LX costs $2,167 per year in Utah, while the average premium for a Honda CR-V is $1,849 – a difference of $318. Popular cars aren’t always cheaper to insure High theft rates or expensive repair costs can push premiums up on common models. Check insurance costs before you buy, not after. Does your car’s model year affect insurance rates in Utah?Newer cars generally cost more to insure because they are more expensive to repair or replace. In Utah, insuring a 2024 Honda Accord LX costs $2,107, while the 2025 version costs $2,101.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Every state sets its own minimum car insurance requirements, and Utah is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection (III, n.d.). Not carrying the required coverage in Utah can lead to fines, license suspension and even 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 does your car’s trim affect insurance rates in Utah?Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.For example, in Utah, full coverage for a 2024 Honda Accord LX costs $2,107 annually, while the Accord EX-L trim costs $2,176 – a difference of $69.Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk. You might find interesting Explore related topics 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 and cheapest car insurance in UtahUtah car insurance: Rates, state minimum requirements and best companiesSee more Upgrading your trim can increase insurance costs Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in Utah?The average cost of full coverage car insurance in Utah is $2,356 per year, or $196 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details. Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,356$196Liability Only – 50/100/50 BI/PD$916$76State Minimum BI/PD$850$71Non-Owners$658$55Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in Utah?Your ZIP code within Utah can have a major impact on your premium. Insurers evaluate traffic patterns, accident frequency, weather risks and theft rates – which is why similar drivers may pay very different rates depending on where they live.Full coverage costs $2,757 per year in Kearns, compared to $2,145 in Providence.Top 20 cities with cheapest car insurance rates in UtahThese locations tend to have the lowest premiums due to lower risk factors like traffic and claims.CityAvg. Annual PremiumAvg. Monthly PremiumProvidence$2,145$179Castle Dale$2,172$181Wellsville$2,174$181Huntington$2,182$182Millville$2,183$182Annabella$2,187$182Sigurd$2,191$183Elmo$2,193$183Hildale$2,193$183Hyrum$2,197$183Orangeville$2,198$183Sevier$2,199$183Logan$2,200$183Mendon$2,200$183Koosharem$2,203$184Centerfield$2,205$184St. George$2,205$184Emery$2,210$184Ferron$2,210$184Paradise$2,211$184Powered by:Top 20 cities with most expensive car insurance rates in UtahThese areas typically have higher premiums due to increased traffic, accidents and claims.CityAvg. Annual PremiumAvg. Monthly PremiumKearns$2,757$230West Valley City$2,748$229South Salt Lake$2,674$223Magna$2,643$220Taylorsville$2,620$218Salt Lake City$2,602$217Murray$2,594$216West Jordan$2,580$215Midvale$2,555$213Vineyard$2,538$212Holladay$2,511$209Pleasant Grove$2,506$209South Jordan$2,506$209Orem$2,503$209Millcreek$2,472$206Herriman$2,461$205Sandy$2,459$205Dugway$2,453$204Cottonwood Heights$2,449$204Mapleton$2,449$204Powered by: If you’re moving within Utah, check insurance rates before you go Moving to a more populated area can raise your insurance costs by hundreds per year – even if nothing else changes. Frequently asked questions What is the average cost of car insurance in Utah? The average cost of full coverage car insurance in Utah is $2,356 per year, or $196 per month. Your actual premium depends on your vehicle, coverage level, driving record and location. How can I lower my car insurance premium in Utah? You can reduce your premium by comparing quotes from multiple insurers, increasing your deductible, bundling policies, maintaining a clean driving record and choosing a lower-risk vehicle. Discounts for safe driving, good grades or low mileage can also help. Does my credit score affect car insurance rates in Utah? In many states, insurers use a credit-based insurance score when setting rates – higher scores often mean lower premiums. However, some states restrict this practice. Check whether Utah allows credit to be used. Sources: Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your Utah car insurance cost with our calculatorOur Utah car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. 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 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in UtahDoes your vehicle model affect car insurance rates in Utah?Does your car's model year affect insurance rates in Utah?How does your car's trim affect insurance rates in Utah?How much does car insurance cost in Utah?How do car insurance rates vary by city in Utah?Frequently asked questionsEstimate your Utah car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates 1-833-708-5453