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Average cost of car insurance in Utah for 2024

Updated Sep 01, 2024
Utah drivers pay an average of $2,078 per year for full coverage and $778 for minimum coverage, per Bankrate’s research.
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How much is car insurance in Utah? 

To find out how much car insurance costs in Utah, Bankrate’s team of insurance experts analyzed data from Quadrant Information Services. On average, drivers in the Beehive State pay $778 per year for minimum coverage car insurance and $2,078 for full coverage. For comparison, the average cost of car insurance in the United States is $639 per year for a minimum coverage policy and $2,348 for full coverage.

Utah’s car insurance rates reflect the risk factors at play in the state, as well as efforts of insurance regulators to enforce fair pricing for consumers. Compared to other states, Utah’s average rates for both full and minimum coverage are fairly affordable — but keep in mind that these numbers are averages and might not reflect your own costs. Every driver in Utah receives different premiums calculated based on personal factors like age, driving record, credit history and more.

Key takeaways

  • Average rates in Utah are $65 per month for minimum coverage and $173 per month for full coverage.
  • Drivers in major cities like Salt Lake City and Provo typically pay higher rates for car insurance.
  • Parents who add a 16-year-old male driver to their policy pay an average of $454 for full coverage, while adding a 16-year-old female costs $420
  • A DUI conviction in Utah increases average insurance rates by 97 percent more
  • Drivers with excellent credit history pay around 15 percent less than the state average for a policy.

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Utah car insurance rates by city

Utah car insurance rates are not standardized across the entire state. The city you live in and your ZIP code play a role in determining your rate. Insurers look at statistical data related to accident rates and property crime in a given ZIP code to understand the risk levels associated with car ownership there. If your area has a lot of dense traffic, a high rate of vehicle theft or other key risk factors, you could pay a higher rate for car insurance. The table below includes the average cost of car insurance in 10 Utah cities and how rates differ from the statewide average premium.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance costs by age and gender in Utah

Young drivers in Utah, as in most states, pay some of the highest rates for car insurance due to their lack of experience on the road. Statistics show that teen drivers are more likely to be involved in accidents and may engage in risky behaviors behind the wheel, such as speeding or texting while driving. In fact, motor vehicle accidents were the leading cause of death for female teenagers between 13 and 19 years old in 2020.

Along with your age, your gender has the potential to impact your car insurance rate in Utah. That’s because statistics also show that male drivers have a higher rate of fatal accidents than females.

Age 16*
Avg. monthly full coverage premium in Utah
$459
Avg. annual full coverage premium in Utah
$5,511
Age 18
Avg. monthly full coverage premium in Utah
$633
Avg. annual full coverage premium in Utah
$7,600
Age 20
Avg. monthly full coverage premium in Utah
$445
Avg. annual full coverage premium in Utah
$5,340
Age 25
Avg. monthly full coverage premium in Utah
$225
Avg. annual full coverage premium in Utah
$2,704
Age 30
Avg. monthly full coverage premium in Utah
$188
Avg. annual full coverage premium in Utah
$2,261
Age 40
Avg. monthly full coverage premium in Utah
$178
Avg. annual full coverage premium in Utah
$2,136
Age 50
Avg. monthly full coverage premium in Utah
$165
Avg. annual full coverage premium in Utah
$1,976
Age 60
Avg. monthly full coverage premium in Utah
$159
Avg. annual full coverage premium in Utah
$1,906
Age 70
Avg. monthly full coverage premium in Utah
$181
Avg. annual full coverage premium in Utah
$2,170
Age 40
Avg. monthly full coverage premium in Utah
$178
Avg. annual full coverage premium in Utah
$2,136
Age 50
Avg. monthly full coverage premium in Utah
$165
Avg. annual full coverage premium in Utah
$1,976
Age 60
Avg. monthly full coverage premium in Utah
$159
Avg. annual full coverage premium in Utah
$1,906
Age 70
Avg. monthly full coverage premium in Utah
$181
Avg. annual full coverage premium in Utah
$2,170
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in Utah
$416
Avg. annual full coverage premium in Utah
$4,988
Age 18
Avg. monthly full coverage premium in Utah
$567
Avg. annual full coverage premium in Utah
$6,806
Age 20
Avg. monthly full coverage premium in Utah
$383
Avg. annual full coverage premium in Utah
$4,599
Age 25
Avg. monthly full coverage premium in Utah
$209
Avg. annual full coverage premium in Utah
$2,510
Age 30
Avg. monthly full coverage premium in Utah
$183
Avg. annual full coverage premium in Utah
$2,195
Age 40
Avg. monthly full coverage premium in Utah
$171
Avg. annual full coverage premium in Utah
$2,053
Age 50
Avg. monthly full coverage premium in Utah
$159
Avg. annual full coverage premium in Utah
$1,905
Age 60
Avg. monthly full coverage premium in Utah
$156
Avg. annual full coverage premium in Utah
$1,875
Age 70
Avg. monthly full coverage premium in Utah
$176
Avg. annual full coverage premium in Utah
$2,110
Age 40
Avg. monthly full coverage premium in Utah
$171
Avg. annual full coverage premium in Utah
$2,053
Age 50
Avg. monthly full coverage premium in Utah
$159
Avg. annual full coverage premium in Utah
$1,905
Age 60
Avg. monthly full coverage premium in Utah
$156
Avg. annual full coverage premium in Utah
$1,875
Age 70
Avg. monthly full coverage premium in Utah
$176
Avg. annual full coverage premium in Utah
$2,110
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Like all insurance, car insurance is priced based on risk. In order to predict customers’ risk factors, insurers turn to statistics, which show a higher rate of accidents for male drivers compared to female drivers, especially in younger age groups. In states that permit the use of age and gender in auto insurance pricing, young men are most likely to pay high rates for coverage compared to other groups.

Cost considerations for young drivers in Utah

While 16- and 17-year-olds cannot get their own car insurance policies in almost all situations, young drivers aged 18 and up can. Older teens often have the option to get their own policy or stay on their parents’ policy (as long as they still live in their parents’ household in most circumstances). Unless an 18 year old has a separate permanent address from their parents, it’s typically more affordable to stay on a family policy because older family members’ lower risk will offset the risk associated with the teen. As you can see from the average rates below, staying on your parents’ policy in Utah can shave a significant amount of money off your annual premium.

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Age 16*
Avg. annual premium for drivers in Utah
$5,275
Age 17
Avg. annual premium for drivers in Utah
$4,730
Age 18
Avg. annual premium for drivers in Utah
$4,303
Age 19
Avg. annual premium for drivers in Utah
$3,765
Age 20
Avg. annual premium for drivers in Utah
$3,590
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in Utah
$7,235
Age 19
Avg. annual premium for drivers in Utah
$5,471
Age 20
Avg. annual premium for drivers in Utah
$4,988
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 68 percent more
Age 19 45 percent more
Age 20 39 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Utah?

One of the biggest factors that will impact your car insurance rate is your driving record. If you have any violations on your record within the last several years, you will probably pay a higher premium. Some incidents, like speeding tickets, may only result in a minor increase to your insurance premium. DUI convictions, on the other hand, are a serious matter for insurers. Utah drivers with one or more may see significant penalties, including the loss of their license, and they may have to find a car insurance company that specializes in providing coverage for high-risk drivers.

Below are average car insurance rates in Utah for drivers with one speeding ticket, one accident or one DUI, showing the impact each typically has on car insurance premiums.

Clean driving record
Avg. annual premium* in Utah
$2,088
Percentage increase from Utah avg. annual premium*
0%
Avg. annual premium* in Utah
$2,559
Percentage increase from Utah avg. annual premium*
23%
Avg. annual premium* in Utah
$3,037
Percentage increase from Utah avg. annual premium*
45%
Avg. annual premium* in Utah
$4,059
Percentage increase from Utah avg. annual premium*
94%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in Utah by credit score

In all but three states, your credit-based insurance score can have a large impact on your car insurance rates, and Utah is no different. Studies have shown that drivers who have a poor credit history tend to file more claims, and average car insurance rates reflect that increased risk. In fact, drivers with poor credit in Utah might pay as much as 88 percent more for full coverage car insurance.

Avg. annual premium* in Utah
$3,916
Percentage difference from Utah avg. annual premium*
88%
Average
Avg. annual premium* in Utah
$2,312
Percentage difference from Utah avg. annual premium*
11%
Avg. annual premium* in Utah
$2,078
Percentage difference from Utah avg. annual premium*
0%
Excellent
Avg. annual premium* in Utah
$1,760
Percentage difference from Utah avg. annual premium*
-15%
*Rates reflect full coverage policies.

Utah car insurance rates by vehicle type

Another factor in determining your rate is the type of car you drive. Cars that are more costly to repair, such as luxury sedans or high-end sports cars, are likely to see higher rates for their insurance. As this table shows, the Honda Odyssey and Ford F-150 have average insurance rates below the state average.

Avg. annual premium* in Utah
$2,088
Avg. annual premium* in Utah
$2,000
Avg. annual premium* in Utah
$1,875
BMW 330i
Avg. annual premium* in Utah
$2,521
Toyota Prius
Avg. annual premium* in Utah
$2,200
*Rates reflect full coverage policies.

Estimate your car insurance cost in Utah

Given how many factors influence Utah’s car insurance rates, figuring out how much you need to budget for insurance can be tricky. Use this calculator to help estimate how much you might expect to pay.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in Utah

Average car insurance rates in Utah are lower than national averages, which should be welcome news to Utah drivers. But no one wants to pay more than they have to for insurance. If you are looking for cheap car insurance, there are a few strategies you can consider to help you save money. Here are some suggestions:

  • Pay your premium in full: If you can afford to pay your annual premium up front and in full, your insurance company may discount your premium.
  • Improve your credit: If you have bad credit, taking steps to improve it could eventually mean securing a better car insurance rate.
  • Switch insurance companies: You may want to request quotes from a range of carriers every year to see if another company offers you a better deal on your auto insurance. Switching insurers is typically fairly easy and may save you money in the long run.
  • Take advantage of discounts: Most car insurance companies offer several discounts to help offset costs, and many are easy to earn. You might want to check with your agent each year about what’s available and what you might qualify for.
  • Enroll in a telematics program: Insurers are increasingly offering telematics programs, which use an app or a small device installed in your car to monitor your driving in real time. If you prove to be a safe and careful driver, you can be rewarded with a reduced rate.

Frequently asked questions

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carriers reviewed
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quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good
Good credit score
Insurance Auto
Clean driving record
Business
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These are sample rates and should only be used for comparative purposes.