INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Utah for 2023

Updated June 12, 2023
USAA is generally the cheapest car insurance in Utah for both full coverage and minimum liability policies.

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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 about 10% cheaper than the national average. 

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

Key takeaways:

  • The average cost of car insurance in Utah is $1,361 per year for full coverage.
  • State-minimum liability coverage averages $56.17 per month.
  • On average, teen drivers pay $3,823 per year for coverage.
In this article

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 $1,361 per year in Utah — about $168 less than the national average. If you purchase state-minimum liability coverage, the average yearly cost is $674.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,361/year $674/year USAA
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$3,823/year $1,467/year $1,782/year

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. If you don’t qualify, the next-cheapest insurance companies were GEICO for full coverage policies and Auto-Owners for state-minimum coverage.

Provider Full coverage Minimum liability coverage
Farmers $1,711/year
$838/year
Allstate
$1,485/year
$770/year
GEICO $1,071/year
$538/year
State Farm
$1,368/year $677/year
Progressive$1,099/year $699/year
Auto-Owners $1,239/year $519/year
USAA
$851/year $351/year

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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. annual premium
Poor (550-649) $2,866/year
Average (650-699) $1,845/year
Good (700-749) $1,511/year
Excellent (750+) $1,335/year

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. A driving under the influence (DUI) conviction in Utah may cause your premiums to increase by an average of $1,151 per year. 

And if you’re at fault in an accident, your yearly premiums could increase by about $897.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,511/year $2,258/year $897
DUI $1,511/year $2,512/year $1,151
Speeding ticket $1,511/year $1,885/year $524

*Assumes clean driving record with good credit

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. 

The average premium for 18-year-olds in Utah is $4,258, more than three times the state average for all drivers.

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

Age Avg. annual premium
18 $4,258/year
25 $1,552/year
30 $1,421/year
40 $1,455/year
60 $1,304/year

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 that 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.

In Utah, residents of West Valley City pay the highest average premiums at $1,729 per year — 27% higher than the state average. The higher rate is due to how densely populated the city is and its crime rate.

City Avg. annual full-coverage premium
Salt Lake City $1,635/year
Sandy $1,707/year
West Valley City $1,729/year
West Jordan $1,659/year
Provo $1,544/year
Ogden $1,596/year

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 that 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.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

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 $168 less than the national average for full coverage policies. 

How much is car insurance per month in UT?

The average cost of car insurance in Utah is $113.42 per month for full coverage insurance. State minimum liability policies average $56.17 per month. 

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.