Updated: March 6, 2026
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Utah car insurance rates are determined by your location within the state, age, and driving experience. Age and where you live in Utah are fixed factors that will influence your rates over time as these circumstances change.
Jump to factors you can control today:
Jump to factors that are fixed (for now):
Car insurance in Utah ranges from $67 per month for minimum coverage to $127 per month for full coverage. Utah drivers pay $79 more per year than the national average for minimum coverage and $31 above the national average for full coverage.
| Minimum Coverage | $67 | $60 | $805 | $726 |
| Full Coverage | $127 | $124 | $1,524 | $1,493 |
At $127 per month, Utah sits right in the middle range for full coverage costs, ranking 34th out of 50 states and Washington, D.C. Utah falls between Rhode Island at $126 per month and South Carolina at $130 per month. With 17 states charging more for full coverage, Utah offers reasonable rates that aren't a bargain compared to the cheapest option at $75 per month in Vermont.
| Vermont | $75 | $902 | 1 |
| Rhode Island | $126 | $1,518 | 33 |
| Utah | $127 | $1,524 | 34 |
| South Carolina | $130 | $1,559 | 35 |
| Florida | $243 | $2,912 | 51 |
About 15% of Utah drivers carry no insurance. This is one of the highest uninsured motorist rates in the western United States. This forces insurers to build the cost of covering uninsured driver accidents into everyone's premiums, adding roughly $75 to $125 annually to the average policy.
Utah's no-fault insurance laws require all drivers to carry personal injury protection (PIP) coverage, which automatically increases baseline premium costs compared to traditional tort states. PIP coverage adds $200 to $400 per year to policies, though it provides faster medical payment processing after accidents. Utah also mandates higher minimum liability limits than many neighboring states, pushing entry-level coverage costs above $500 annually for most drivers.
Vehicle theft jumped 23% statewide in 2022, with over 15,000 cars stolen across Utah. Insurance companies respond to rising theft claims by increasing comprehensive coverage premiums in urban areas where most thefts occur. DUI conviction rates are also high compared to national averages, contributing to higher risk pools that affect all drivers' rates.
Severe weather patterns generate millions in annual comprehensive claims throughout the state. High-risk drivers and lower-income drivers pay additional premium penalties due to credit-based insurance scoring practices common among Utah insurers. Premium variations between cities can exceed $800 annually (see city rates below).
GEICO offers the lowest full coverage rate in Utah at $90 per month, making it the most affordable option for drivers in Utah. Auto-Owners follows closely at $97 per month, while Progressive rounds out the top three cheapest options at $105 per month.
Shopping around can save Utah drivers up to $41 per month compared to pricier options like Farmers at $131 per month. These rates use the same driver profile, so the differences reflect real savings you can achieve by switching insurers.
Read more: Cheapest and Best Car Insurance Companies in Utah
| Geico | $46 | $90 | $549 | $1,076 |
| Auto Owners | $54 | $97 | $647 | $1,162 |
| Progressive | $71 | $105 | $848 | $1,264 |
| Nationwide | $72 | $123 | $859 | $1,481 |
| Farmers | $65 | $131 | $782 | $1,572 |
Rates vary so much between companies because each insurer uses its own formula to weigh your driving record, location, age and vehicle. A company with a larger customer base in the state and more local claims data prices driver profiles differently than one with fewer policies here. Some carriers prioritize clean-record drivers and price aggressively for low-risk profiles, while others specialize in higher-risk drivers who might struggle to find affordable coverage elsewhere. Your cheapest option depends entirely on your driver profile, so comparing quotes directly is the only way to find which company offers you the best rate.
Your coverage level is one of the main cost factors you can control today, along with which company you choose. State minimum liability in Utah costs $68 per month. This is the cheapest legal option available. Adding comprehensive and collision coverage with a $1,000 deductible brings your monthly premium to $84, just $16 more per month for protection that covers damage to your own vehicle.
Lowering your deductible can cost more than raising your liability limits, which surprises many drivers. The most expensive coverage tier costs $145 per month for minimum liability plus comprehensive and collision with a $0 deductible; that low deductible alone increases costs more than any other single factor.
| Minimum Liability Only | $68 | $816 |
| Min. liab. + comp/coll ($1,000 ded.) | $84 | $1,007 |
| Min. liab. + comp/coll ($2,000 ded.) | $105 | $1,257 |
| 50/100/50 liability + comp/coll ($500 ded.) | $124 | $1,486 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $127 | $1,524 |
| Min. liab. + comp/coll ($250 ded.) | $127 | $1,522 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $142 | $1,704 |
| Min. liab. + comp/coll ($0 ded.) | $145 | $1,740 |
Utah requires minimum coverage of 30/65/25, meaning $30,000 per person for bodily injuries, $65,000 total per accident for bodily injuries and $25,000 for property damage. It also requires personal injury protection and underinsured/uninsured motorist coverage.
This minimum coverage doesn't include comprehensive or collision insurance for your own vehicle.
Your deductible is what you pay out of pocket before your comprehensive or collision coverage begins. A higher deductible lowers your monthly premium but means more upfront costs if you file a claim.
For example, the policy titled "100/300/100 liability + comp/coll ($1000 ded.)" breaks down as:
Learn more about types of car insurance coverages and how much car insurance you need.
Drivers in West Valley City pay more for car insurance than anywhere else in Utah at $171 per month for full coverage, which is 35% above the state average of $127. Car insurance rates vary by $43 per month across Utah's 10 most populous cities, creating a $516 annual difference between the most and least expensive areas. West Jordan follows as the second most expensive city at $163 per month, while St. George offers the most affordable rates at $128 per month. Lehi rounds out the cheaper options at $141 per month for full coverage.
| West Valley City | $171 | $93 |
| West Jordan | $163 | $92 |
| Taylorsville | $161 | $83 |
| Salt Lake City | $156 | $83 |
| Sandy | $150 | $78 |
| Provo | $149 | $82 |
| Orem | $148 | $77 |
| Ogden | $143 | $74 |
| Layton | $137 | $71 |
| St. George | $128 | $67 |
West Valley City's $171 monthly rates reflect the higher risks that come with Utah's fourth-largest city, including dense urban traffic, high vehicle theft rates and frequent accidents along major corridors like I-215 and State Route 201. St. George drivers benefit from the southern city's lower traffic density and reduced crime rates, creating a $43 monthly gap that saves residents $516 per year compared to West Valley City.
Adding a 16-year-old to a family policy in Utah costs $7,372 per year for males and $6,633 for females. Male teen drivers pay $739 more annually than their female counterparts, reflecting the higher risk insurers associate with young male drivers. Gender and age both affect car insurance rates in Utah.
A 16-year-old male driver saves $4,024 per year by staying on a family policy rather than purchasing individual coverage, which would cost $11,396 annually. Teen drivers see their premiums drop steadily through their early 20s as they build driving experience and maintain clean records. Insurance rates level off around age 25 when drivers are no longer considered high-risk by insurers.
| 16 | $11,396 | $7,372 |
| 17 | $8,324 | $6,698 |
| 18 | $7,028 | $6,218 |
| 19 | $5,107 | $5,788 |
| 20 | $4,462 | $5,406 |
| 21 | $3,479 | $5,118 |
| 22 | $3,146 | $4,873 |
| 23 | $2,829 | $4,652 |
| 24 | $2,606 | $4,467 |
| 25 | $2,306 | $3,979 |
Full coverage in Utah ranges from $127 per month for a clean record driver to $201 per month after a DUI. A speeding ticket pushes the cost to $151 per month, a 19% increase that costs an extra $293 annually. Most violations affect rates for three to five years in Utah, though the timeframe varies by violation type.
A DUI conviction costs Utah drivers $201 per month, representing a 58% increase and $891 more per year compared to a clean record. Violations raise premiums because they show higher risk to insurers, who respond by increasing rates for high-risk drivers.
| Clean Record | $127 | $1,524 | — |
| Accident (not at fault) | $129 | $1,554 | 2% |
| Texting While Driving | $148 | $1,781 | 17% |
| Speeding | $151 | $1,817 | 19% |
| Accident (at fault) | $188 | $2,252 | 48% |
| DUI | $201 | $2,415 | 58% |
If your record includes multiple violations, insurers in Utah may classify you as high-risk, which limits your carrier options and makes premiums higher. Drivers facing this classification can explore specialized coverage solutions through high-risk car insurance in Utah.
Utah allows insurers to use credit-based scoring. The premium gap between good and poor credit is $155 per month for full coverage. Drivers with excellent credit pay $126 monthly for full coverage, while those with poor credit pay $281 monthly premiums, representing a 123% increase.
Improving credit scores is a long-term strategy for reducing premiums. Lower-income drivers in Utah can explore additional options to manage their car insurance costs while improving their credit.
| Good Credit | $68 | $126 |
| Bad Credit | $132 | $281 |
| Difference | $64 | $155 |
Before your next purchase, understanding how insurance costs by vehicle vary can help you budget for coverage in Utah. Full coverage ranges from $143 per month for a Ford F-150 to $207 for a Tesla Model Y, with sedans like the Honda Civic falling in the middle at $150 per month.
Electric vehicles cost more to insure because their specialized parts and repairs are more expensive than conventional vehicles. The Tesla Model Y's high-voltage battery, advanced sensors and proprietary components increase replacement costs, making it $64 more per month to insure than a traditional pickup truck.
| Ford F-150 | $84 | $1,013 | $143 | $1,720 |
| Honda Civic | $88 | $1,060 | $150 | $1,797 |
| Honda Accord | $91 | $1,096 | $155 | $1,857 |
| Toyota Prius | $95 | $1,137 | $161 | $1,932 |
| Toyota Camry | $98 | $1,175 | $166 | $1,996 |
| Toyota Rav4 | $99 | $1,189 | $169 | $2,024 |
| Tesla Model 3 | $104 | $1,248 | $178 | $2,131 |
| Tesla Model Y | $121 | $1,450 | $207 | $2,480 |
We answer questions commonly asked about car insurance in Utah.
Full coverage car insurance in Utah averages $127 per month while minimum coverage costs $67 per month. Your actual rate depends on your driving record, age, credit score and coverage choices.
Utah's no-fault insurance system requires personal injury protection (PIP) coverage, which increases baseline premiums statewide. The state's 15% uninsured driver rate exceeds the national average of 13%, forcing insured drivers to pay higher rates. Severe hailstorms and winter weather events across Utah's mountain regions drive up comprehensive claims costs.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
