Average Cost of Car Insurance in Utah for 2026

Minimum coverage in Utah costs $79 more per year than the national average, a larger gap than full coverage, which costs $31 more than the national figure at $1,524 annually. Utah requires every driver to carry personal injury protection (PIP) and uninsured motorist coverage on top of standard liability. PIP pays medical bills regardless of who caused the accident.

Utah's PIP and uninsured motorist requirements don't exist in most neighboring states, which is why Utah's minimum coverage costs $7 per month more than the national average.

In Utah, dropping your deductible to $0 on minimum liability coverage costs $145 per month, $18 more per month than a full 100/300/100 policy with a $1,000 deductible. A driver who prioritizes a zero out-of-pocket deductible on minimum liability ends up paying more than one who buys full coverage.

Minimum liability only costs $68 per month. Adding comprehensive and collision with a $1,000 deductible brings that to $84 per month, a $16 monthly increase for protection that covers damage to your own vehicle. The most common full coverage level is 100/300/100 liability with a $1,000 deductible, at $127 per month. Learn more about types of car insurance coverages and how much car insurance you need.

West Valley City drivers pay $171 per month for full coverage, $43 more per month than St. George's $128, a difference of $516 per year. St. George's $128 per month is one dollar above the statewide average of $127. Even Utah's least expensive city doesn't bring full coverage below the state average.

West Valley City's rate shows the risk concentration in Utah's fourth-largest city. Dense traffic on I-215 and State Route 201 and elevated vehicle theft rates put its full coverage cost $43 per month above St. George.

Male drivers see their largest annual decrease between ages 16 and 17: the family plan cost goes down $404 per year. At age 16, a male driver on a family plan costs $369 per month; by age 25, that drops to $199 per month.

Female drivers follow the same pattern: the 16-to-17 decrease at $356 per year is the largest, with the 24-to-25 decrease at $224 per year second. Utah uses gender as a rating factor, so male and female drivers cost different amounts to add to a family plan. At age 16, adding a male driver costs $443 more per year than adding a female driver.

Rates for 16-year-olds, 17-year-olds and 18-year-olds vary more by gender than at any other age. The car insurance costs by age guide covers rates from 16 through 75 for both male and female drivers.

A DUI in Utah raises full coverage from $127 to $201 per month, the highest violation penalty of any driving record category. A speeding ticket adds $293 per year with full coverage reaching $151 per month, then an at-fault accident adds $728 per year. Drivers with a DUI or multiple violations will find fewer insurers willing to provide their policy and will need to look at high-risk car insurance in Utah carriers.

Poor credit raises full coverage in Utah from $126 to $281 per month, a $155 monthly increase. That $1,860 annual increase exceeds the total annual cost of minimum coverage for a good-credit driver. Utah lets insurers use your credit score to calculate your rate, so every carrier in the state factors your credit history into your premium.

The minimum coverage difference between good and poor credit is $64 per month with $68 for good credit versus $132 for poor credit. Because insurers re-check credit at each renewal, a higher score produces lower rates over time. Lower-income drivers paying more due to poor credit can review additional options to manage costs.

A Tesla Model Y costs $207 per month to insure in Utah, $64 more per month than a Ford F-150 at $143, a difference of $768 per year on identical coverage. Utah's vehicle theft rates make comprehensive coverage more important for electric vehicle owners, whose specialized parts raise repair costs above what conventional vehicle repairs would cost.

The Toyota Prius costs $161 per month, $11 more than the Honda Civic at $150. The jump from Prius to Tesla Model Y is $46 per month. The insurance difference between a RAV4 at $169 and a Model Y at $207 is $38 per month, or $456 per year.

In Utah, credit score and age are the two most important rate factors to consider. Credit score shifts full coverage rates by $155 per month between good and poor scores. Age affects male driver rates by $170 per month between ages 16 and 25.

Utah's no-fault system requires every driver to have personal injury protection and uninsured motorist coverage. Both requirements add to the cost of every Utah policy before any individual coverage choice is made.

Rates for the same coverage vary by $41 per month between the least and most expensive carriers in Utah. GEICO's $90 per month is the lowest full coverage rate for a clean-record driver while Farmers' $131 is the highest. Each insurer weighs the same driving record, location, age and vehicle differently based on its own claims data, which is why the same driver gets different prices from each company.

The cheapest car insurance in Utah guide ranks carriers by cost for specific driver profiles and the best car insurance companies in Utah guide adds customer satisfaction and claims ratings.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.