How Much Is Car Insurance in Utah? (2022 Averages)

Utah’s average car insurance cost is $1,154 yearly. The state is the 25th most affordable in the U.S., while Maine’s rates are the cheapest. These figures cover many companies and locations for one sample driver. In this guide, MoneyGeek broke down rates in Utah by coverage level, age, driving history, credit score and location.

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Last Updated: 9/18/2022
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How much you pay for car insurance in Utah depends on your profile and policy coverage. On average, a full coverage policy in Utah costs $1,154 per year, and minimum coverage has an average cost of $734 per year. Adding a young driver to your policy can increase the cost to an average of $3,315 annually. MoneyGeek also found that car insurance costs an average of $1,419 per year for drivers with a violation on their record.

The insurance company you choose in Utah also impacts your policy premium. For example, GEICO’s full coverage policy costs around $677 per year, while the same policy from American Family costs an average of $1,406 annually.

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Methodology

Why Trust MoneyGeek? Utah car insurance rates in this study are based on our analysis of data and information from the Utah Department of Insurance and Quadrant Information Services.

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These rates were updated in September 2022 to reflect how car insurance rates in Utah have changed up to this month.

3,312

Quotes Analyzed

 
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Companies Compared

 
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ZIP Codes

The Average Cost of Car Insurance in Utah

MoneyGeek evaluated Utah’s car insurance rates by factors that most affect the price. Our research shows that in Utah, age and poor credit scores have the biggest effect on a driver’s record.

You can also check our study about average car insurance costs for various driver profiles.

Average Costs of Car Insurance in Utah

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  • Driver
    Average Annual Premium
    Average Monthly Premium
  • The Average Driver
    $1,154
    $96
  • Drivers Buying Minimum Coverage
    $734
    $61
  • Adding a Young Driver
    $3,315
    $276
  • Drivers With a Violation
    $1,419
    $118
  • Drivers With Poor Credit
    $2,209
    $184
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Why Are Car Insurance Rates Reasonable in Utah?

Car insurance rates in Utah are moderately priced compared to other states.

The state’s huge urban population and average highway density and vehicle theft incidence upped its rates. Additionally, Utah’s mandatory no-fault insurance for drivers further increased rates. However, its low number of uninsured drivers and infrequent natural disasters moderated its price, making it the nation’s 25th most affordable state.

Average Cost of Car Insurance in Utah: Full Coverage vs. Minimum Coverage

There are various insurance policies on the market, and the price of your car insurance differs depending on the coverage you buy. On average, policies with added features and greater coverage are more expensive.

You’ll get maximum coverage by buying a full coverage car insurance policy, but it costs more compared to a minimum coverage policy. The average cost of a full coverage car insurance in Utah is $1,154 per year, while a minimum coverage is roughly $420 cheaper at $734 annually.

Average Cost of Car Insurance in Utah by Coverage Level

Drivers looking for the cheapest car insurance policy can choose the state minimum policy in Utah. But, since it has low coverage limits, you can increase your liability coverage to, for example, 50/100/50 or 100/300/100.

These numbers represent the liability coverage levels on your policy. To clarify, a 50/100/50 coverage policy includes:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

A full coverage policy also includes comprehensive and collision insurance, providing coverage against damage to your car.

Average Cost of Car Insurance in Utah By Company

It’s important to look for the right insurance provider since they can have a big impact on your car insurance rates.

GEICO provides the cheapest car insurance rates in Utah for both minimum and full coverage, at $393 and $677, respectively. USAA also provides affordable options, but they are only available for military families.

On the other hand, American Family has the state’s most expensive policies for both minimum and full coverage, at $995 and $1,406, respectively.

Average Annual Costs of Car Insurance in Utah - By Company

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How Much Is Car Insurance in Utah by Age?

In Utah, your age is an important factor in determining your car insurance rates. Insurance providers consider younger drivers to be riskier due to their relative driving inexperience.

MoneyGeek found out that car insurance policies are, on average, $2,161 more expensive for 16-year-old drivers compared to a 40-year-old driver. If you’re a young driver, you can save money by being added to your parent’s policy.

Additionally, first-time drivers are treated similarly by insurance providers to young drivers. Because of that, regardless of their age, first-time drivers have the same car insurance rates as teenagers.

Average Costs of Full Coverage Car Insurance in Utah - By Age

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  • Age
    Annual Premium
  • $3,315
  • $3,149
  • $2,797
  • $2,795
  • $2,424
  • $1,896
  • $1,736
  • $1,518
  • $1,398
  • $1,264
  • $1,170
  • 40
    $1,154
  • $1,112

How Does Driving History Affect Car Insurance Costs in Utah?

In Utah, your car insurance rates can go up if you have a bad driving record. Insurance providers will consider you riskier if you have an accident or traffic violation. Consequently, you’ll be paying higher rates compared to a driver with a clean record.

MoneyGeek’s analysis reveals having a speeding ticket in your name will make your car insurance $265 pricier. Additionally, the worse your violation, the higher your rates will become. Despite that, drivers with a bad record can still find affordable car insurance offers by shopping around.

Average Costs of Full Coverage Car Insurance in Utah - By Driving History

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  • Driving Violation
    Annual Premium
  • Safe Driver
    $1,154
  • Speeding Ticket
    $1,419
  • At-Fault Accident
    $1,811
  • DUI
    $1,723
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Credit Scores and the Cost of Car Insurance in Utah

MoneyGeek’s research found that in Utah, your credit score can also affect your car insurance rates. Having better credit can result in savings, but having poor credit will make your car insurance premiums more expensive.

If you have an excellent credit rating, you’ll pay roughly $256 less compared to a driver with a good credit score. Drivers with good credit pay about $1,047 less than drivers with poor credit scores. That said, affordable car insurance offers are available for drivers with bad credit.

Average Costs of Full Coverage Car Insurance in Utah - By Credit Score

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  • Credit Score
    Annual Premium
  • Excellent
    $906
  • Good
    $1,162
  • Fair
    $1,479
  • Below Fair
    $1,805
  • Poor
    $2,209

How Much Is Car Insurance in Your City?

In Utah, your address also affects your car insurance rates. Similar to how rates vary among states, rates also vary among cities. Some areas have a higher incidence of road accidents, natural disasters and vehicle theft, making car insurance in their area more expensive.

MoneyGeek’s report shows Provo has the cheapest car insurance rates in Utah at $1,066. On the other hand, West Valley City’s rates are most expensive at $1,174. For comparison, the average cost of car insurance in Utah is $1,154.

Average Costs of Full Coverage Car Insurance in Utah - By City

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Frequently Asked Questions About Utah Car Insurance Rates

To help you find the best insurance, MoneyGeek answered some of the frequently asked questions about car insurance rates in Utah.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.