How Much Is Car Insurance in Utah? (2023)

Insurers determine car insurance costs using various factors, including your area, age, coverage limit, credit score and driving history. Average premiums for a full coverage policy in Utah range between $725 from Nationwide to $1,727 from Kemper. Young drivers tend to pay more on average. The cheapest average full coverage policy for a 25-year-old driver is $896 a year from Nationwide, and the most expensive is from Kemper at $2,021 annually.

Utah’s yearly average cost of auto insurance is $951 per year, although your actual premium will depend on various factors. Coverage level and driving record are typically the most significant influences on your rates. Drivers in Utah pay the following average rates for different records:

• Clean record: $951 per year
• Speeding ticket: $1,198 per year
• At-fault accident: $1,445 per year
• DUI: $1,589 per year

The above rates are full coverage car insurance quotes. Minimum coverage costs will generally be lower.

Utah car insurance prices are moderate compared to other states. The state’s average cost is significantly lower than the nationwide average of $1,054, ranking 25th out of 50 states. These relatively fair premiums indicate that Utah is moderately populated with moderate traffic density and average theft rates. Your rates may vary based on your driving history, age and other variables.

Average auto insurance rates may be misleading since rates vary considerably from one provider to the next. Farmers Union Insurance offers Utah’s most affordable auto insurance for a minimum coverage plan at an average of $388 per year ($844 for full coverage). The most expensive insurer is Kemper, with minimum coverage rates at an average of $843 per year ($1,727 for full coverage).

Liability-only insurance costs the least but won’t protect you and your car. You can shop around to secure the cheapest full coverage policy if you need higher coverage limits.

Average car insurance costs in Utah vary based on your liability limit, with a higher liability limit resulting in higher rates. You will spend an annual average of $1,127 in Utah for a full coverage policy with increased coverage limits compared to the $517 yearly average for minimum coverage policies.

Comprehensive and collision insurance will typically cause your premium to increase by hundreds of dollars per year, though you can save in the long term if you increase your deductible.

Utah’s minimum coverage policies are the cheapest available. These plans offer the lowest liability limits and exclude comprehensive and collision coverage. However, Utah’s minimum coverage insurance rates may be more costly than other states due to its personal injury protection requirement.

Drivers can purchase policies with higher liability limits for extra protection, typically represented as 50/100/50 or 100/300/100. A 100/300/100 limit, for example, indicates a policy with the following coverage:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability

The maximum coverage limit available with most insurance companies is 300/500/300. Full coverage policies often include comprehensive and collision insurance, which pays the cost of damages to yourself and your vehicle.

Car insurance costs differ considerably between different age groups. Rates are particularly high for drivers in their 20s and new drivers. However, premiums tend to stabilize for drivers between the ages of 30 and 60 before decreasing slightly after turning 60. The average annual full coverage rates by driver’s age in Utah are as follows:

• 22–29: $1,168 per year
• 30–59: $951 per year
• 60+: $946 per year

Drivers can find the cheapest coverage for their age bracket by comparing quotes from multiple providers.

Insurers charge teenage drivers higher rates for auto insurance than drivers in other age brackets. In Utah, a 16-year-old male on a family full coverage policy pays an average yearly rate of $3,771 compared to an individual plan of $7,870 annually.

As teen drivers get older, their rates tend to decline. You will spend an annual average of $2,725 on a family plan with a 19-year-old driver and $2,262 with a 22-year-old on your policy. You can secure low teen auto insurance rates in Utah by comparing quotes from several providers.

Rates may also differ between genders, with 16-year-old female drivers in Utah paying an annual average of $3,375 on a full coverage family plan. That’s a decrease of $396 a year from the male policy.

The yearly average car insurance rate in Utah for a new car is $1,198, roughly 18% more than the average cost for an older car. Rates for new cars increase considerably due to a high actual cash value (ACV) and high repair costs. Insurers use the ACV of your vehicle to determine comprehensive and collision insurance rates. Premiums will be lower if the insurer needs to pay less for any claims you file.

If you drive a new car, we recommend getting full coverage insurance to cover damages to your vehicle in addition to liability insurance.

You will pay higher premiums for auto insurance after a severe violation than with a clean record. The following average annual rates apply for different driving violations in Utah:

• Clean record: $951 per year
• Speeding ticket: $1,198 per year
• At-fault accident: $1,445 per year
• DUI: $1,589 per year

The increase in your premium will depend on the severity of your violation. A DUI will typically significantly raise your rates. Insurers will vary on how they rate different driver records. It’s best to shop around to find the cheapest car insurance in Utah for drivers with violations.

In Utah, providers may consider your credit rating when calculating your auto insurance rates. Drivers with bad credit pay an average of $1,639 yearly, while those with excellent credit only pay $716. Average annual rates in Utah vary by credit score as follows:

• Excellent: $716 per year
• Good: $899 per year
• Fair: $1,108 per year
• Below fair: $1,331 per year
• Poor: $1,639 per year

You can save money on your premium by finding the cheapest car insurance in Utah for a bad credit score by comparing costs between providers.

You will pay more or less for auto insurance in Utah based on where you live. For example, Provo residents pay an average of $1,028 yearly for a full coverage policy, which is the cheapest in the state. West Valley City’s average is $1,162 yearly, the state’s most expensive. Cities with higher rates typically have denser populations and higher car theft cases, resulting in the filing of more insurance claims.

Car insurance rates in Utah vary depending on the driver's age, location and record. MoneyGeek answered your most frequently asked questions to help you make informed choices.