Average Cost of Car Insurance in Utah for 2025

Utah boasts five national parks, making it a stunning place to call home. In addition to its natural beauty, Utah offers another perk: affordable insurance rates. The average cost of car insurance in Utah is $155 per month, compared to the national average of $193.

However, it's important to note that where you live and your age can still affect your premiums significantly.

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Key takeaways

The average cost of car insurance in Utah is $155 per month for full coverage.
State-minimum liability coverage averages $102 per month.
On average, teen drivers pay $317 per month for coverage.

How much does car insurance cost in Utah?

Car insurance in the Beehive State tends to be less expensive than in other parts of the country.

Full coverage policies that include liability, collision, and comprehensive insurance average $155 per month in Utah. If you purchase state-minimum liability coverage, the average monthly cost is $102.

Avg. cost for full coverage	Avg. cost for minimum coverage
$155/month	$102/month

Avg. for young drivers	Avg. cost for seniors	Avg. for driver with a DUI
$317/month	$137/month	$191/month

Average cost of car insurance in Utah by provider

Car insurance rates vary by provider, so it pays to shop around. For example, in Utah, USAA was significantly cheaper than other insurers for both full coverage and minimum liability insurance.

However, only military service members, veterans, and their families are eligible for USAA membership and insurance. Here are other options.

Provider	Monthly full coverage premium	Monthly liability-only coverage premium
Farmers	$221	$183
Allstate	$171	$141
GEICO	$135	$114
State Farm	$125	$104
Progressive	$129	$89
Auto-Owners	$115	$94
USAA	$94	$78

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How does credit score affect car insurance rates in Utah?

Although some states prohibit insurers from using credit scores to determine premiums, the practice is fair game in Utah. If you have less-than-perfect credit, you may pay hundreds or even thousands more for car insurance. The average annual premium for drivers with poor credit was more than double the state average.

Credit health	Avg. monthly premium
Poor (550-649)	$174
Average (650-699)	$160
Good (700-749)	$155
Excellent (750+)	$139

Average car insurance rates for high-risk drivers in Utah

Drivers with clear records tend to pay much less for car insurance than high-risk drivers in Utah. Learn how much more drivers with incidents on their records pay below.

Violation	Avg. monthly premium
At-fault accident	$198
DUI	$191
Speeding ticket	$191

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How does age affect car insurance rates in Utah?

In Utah, 28.4% of the population is under 18 — a higher percentage than the rest of the country. But because there are more teens and a higher risk of accidents, insurers charge young drivers much higher premiums.

Premiums typically decrease as you age, with drivers in their 60s paying the lowest premiums.

Age	Avg. monthly premium
Teen	$317
20s	$200
30s	$164
40s	$152
60s	$132

Utah car insurance rates by city

Car insurance premiums are based on risk; insurers charge drivers higher rates if they think you're more likely to be involved in an accident or submit a claim for vandalism or theft. Because those who live in densely populated cities are more likely to file claims, they usually have to pay higher premiums than drivers in the suburbs or rural areas.

City	Avg. monthly full-coverage premium
Salt Lake City	$164
Midvale	$171
Orem	$158
Provo	$164
Ogden	$143

UT's minimum car insurance requirements

Like other states, Utah requires drivers in the state to have car insurance. Policies must meet the following requirements:

$25,000 in bodily injury liability coverage for one person
$65,000 in bodily injury liability coverage for two or more people
$15,000 in property damage liability coverage

How to save money on car insurance in Utah

Although the average car insurance premiums in Utah are relatively low, you can save even more money by following these tips:

Improve your credit: Because insurers use your credit when determining rates, improving your credit by paying down debt, disputing errors on your credit reports, and keeping up with your payments can help you save money on your car insurance.
Adjust your deductible: Your deductible is how much you must pay after an accident or claim before your insurance company starts footing the bill. Increasing it will cause your premiums to drop since you are taking on more of the cost if there's a claim.
Ask about discounts: Contact your current agent to see if you're eligible for discount programs. For example, college students may qualify for a good student discount, and homeowners who have homeowners insurance may be eligible for a multi-policy discount.
Shop around: Rates vary by company, so it's a good idea to shop around at least once per year. You can request quotes from the best car insurance companies to find out if you're getting a good deal.

FAQs about car insurance costs in UT

Is car insurance expensive in UT?

Generally, car insurance is less expensive in Utah than in other parts of the country. On average, drivers in Utah pay $155 per month, compared to the national average of $193.