Average Car Insurance Cost in Utah (2025)
Drivers in Utah pay an average of $124 per month for car insurance.
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Utah’s average car insurance rates of $101 per month for liability coverage and $147 for full coverage are similar to the national average. U.S. drivers pay $103 per month for liability coverage and $182 for full coverage, on average.
But it’s worth pointing out that car insurance rates have been trending upward in the Beehive State. The average cost of full-coverage car insurance rates in Utah increased by 15% between 2023 and 2024, Insurify data shows. You should compare quotes from more than one insurance company to find the best policy for your coverage needs.
Here’s what you should know about car insurance in Utah.
How much is car insurance in Utah?
Utah drivers pay an average cost of $101 per month, or $1,209 per year, for minimum coverage. The average cost for full-coverage car insurance in Utah is $147 per month — an annual cost of $1,769.
Your exact insurance premium will depend on various factors, like your desired coverage amount, chosen deductible, driving record, ZIP code, credit history, and more.1
How Utah car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Utah rose to $2,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Utah.
See how Utah car insurance prices have changed over the past two years below.
Average Utah car insurance rates by city
Within the state of Utah, average car insurance costs can differ based on where you live, even down to your ZIP code.
In cities with larger populations, like Salt Lake City and Provo, drivers often pay higher premiums than the state average. Rates are typically higher in more populated areas due to differing rates of accidents, thefts, weather events, and other risk factors that could cost an insurance company money.
The table below breaks down the average monthly cost of car insurance for drivers in several cities in Utah.
Average Utah car insurance rates by age and gender
Age and gender are two additional factors that may influence your car insurance premiums.
In Utah, teen drivers pay the highest costs for car insurance because of their lack of driving experience. But starting in their 20s, drivers start to see a decrease in their insurance rates as they age.
On average, Utah drivers pay the most affordable car insurance premiums in their 60s. But senior drivers 70 and older may face rate increases due to aging-related risk factors.
The table below provides average rates for Utah drivers by age and gender.
Average cost to insure popular vehicles in Utah
The car you drive also affects your car insurance premium. And since Utah is known for frequent snowfall, it makes sense that three of the state’s most popular vehicles are trucks.2
Below, you’ll see the average full-coverage insurance costs for five of the most popular vehicles in Utah.
How your driving record affects car insurance rates in Utah
Your driving record is one of the most significant factors affecting your car insurance premium as a Utah driver. With a clean driving record, you’ll typically earn lower annual insurance costs. But if your driving record shows a history of speeding tickets, car accidents, or DUIs, you’ll typically pay higher insurance rates because insurers account for the risk you may pose.
Here are the average rates for full-coverage insurance for a sample driver profile in Utah with an incident on their record.
Utah allows car insurance companies to consider your credit history when determining your car insurance rates. But the state has a few restrictions. Namely, your credit can’t be the only detail the car insurance company considers, and it can only use credit information to offer you a rate discount, not to charge you a higher premium.3
The table below outlines the average price you might pay for car insurance based on your credit tier.
How to lower your insurance costs in Utah
Average Utah car insurance costs have been trending upward for auto owners for several years. So, it’s understandable that you might want to find ways to lower your insurance premiums.
Here are a few suggestions that may help you find cheap car insurance in Utah:
Utah average car insurance cost FAQs
The rate you pay for Utah car insurance depends on many different factors. If you have more questions about finding cheap car insurance in Utah, the following answers may help.
The average annual rate of car insurance in Utah is $1,489. On average, Utah drivers pay an annual rate of $1,209 for liability coverage and $1,769 for full coverage.
USAA offers the cheapest car insurance coverage on average to Utah drivers, with an average monthly rate of $61 for minimum coverage. Auto-Owners and National General are two other affordable insurance companies in Utah.
The average cost of car insurance in Utah is $101 per month for liability coverage and $147 for full coverage. Car insurance costs can vary in Utah based on factors like vehicle type, driving record, credit history, and the age of the auto owner. For example, a young driver typically pays much more for car insurance than an older driver.
USAA, Auto-Owners, and State Farm are three of the best auto insurance companies in Utah. But it’s always important to compare rates and benefits from multiple insurers to make sure you find a company that can meet your insurance needs at a rate that fits your budget.
The Utah Division of Motor Vehicles requires drivers to have bodily injury liability, property damage liability, and personal injury protection (PIP) coverage on all passenger cars and trucks.4 Drivers must carry $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, and $3,000 in PIP coverage.5
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