How Much Is Car Insurance in Utah? (September 2024)

Utah drivers typically pay around $1,217 annually for full coverage car insurance. For minimum coverage, the yearly cost is about $659.

Insurers calculate premiums based on age, desired coverage, location, driving record and credit history. Maintaining a good driving record and high credit score helps lower rates.

Utah's average full coverage car insurance cost is $1,217 annually or roughly $101 monthly. Knowing your state's average car insurance cost helps determine if you're getting a competitive rate when comparing car insurance quotes.

Below is a detailed look at Utah's insurance rates for minimum coverage and full coverage policies to guide your budgeting for premiums.

Car insurance in Utah is relatively affordable compared to the national average. The average annual premium for full coverage with a $1,000 deductible is $1,217, below the national benchmark of $1,330. Minimum coverage costs about $659 annually in Utah, while the national average is $615.

Several factors keep insurance costs down for Utah residents, including fewer natural disasters, less traffic congestion and lower crime rates, which result in fewer car theft and vandalism claims.

Car insurance premiums vary per company, even within a state. In Utah, Nationwide offers the cheapest full coverage annually at $725, while State Farm is the most expensive at $2,187.

Understand the differences between car insurance costs from various providers. Comparing quotes can help you find the cheapest car insurance in Utah that fits your needs.

Your preferred coverage level influences your car insurance costs in Utah. The average monthly premium for minimum coverage is $55, while full coverage with a $1,000 deductible averages $101. Full coverage insurance is recommended despite its higher cost because of its broader financial protection against potential losses and damage.

Adding comprehensive and collision coverages will increase your premium, but you can offset this by selecting a higher deductible. The deductible applies to each comprehensive or collision claim.

In Utah, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $65,000 per accident, $15,000 for property damage liability and $3,000 for personal injury protection (PIP) per person. Uninsured/underinsured motorist coverage isn't required.

Car insurance premiums in Utah vary by location. Provo has the lowest full coverage rate at $1,028 annually, while West Valley City has the highest at $1,162.

Several factors affect car insurance rates: your driving history, your vehicle type, how often you use your car and your credit score. Your area's safety and theft rates also play a significant role in setting your premiums.

In Utah, younger drivers aged 22 to 29 pay the highest premiums, averaging $1,501 annually, due to their inexperience.

Drivers aged 30 to 59 and seniors over 60 benefit from lower rates. Their average yearly costs are $1,217 and $1,214, respectively, as their experience reduces perceived risk.

Age and gender affect car insurance rates in Utah. The highest premiums are for 16-year-old male drivers added to a family policy, averaging $3,771 annually.

Drivers under 18 usually need a guardian to buy car insurance — an individual policy for a 16-year-old male costs around $7,870 annually.

The average annual cost of full coverage car insurance for a 2012 model is $979, while insuring a 2022 model costs $1,198 annually. Higher premiums for newer cars reflect their increased actual cash value, higher repair costs and greater theft risk.

Newer vehicle owners should consider comprehensive and collision coverages to protect against various types of damage and save on unexpected repairs or theft.

Driving violations can raise your car insurance costs in Utah:

• With a ticket: $1,498 per year; $125 per month
• With an at-fault accident: $1,798 per year; $150 per month
• With a DUI: $1,980 per year; $165 per month

Major violations can increase premiums and stay on your record for years. For example, a DUI can affect your rates for up to 10 years.

Check the table for average costs based on driving records, coverage levels and age groups.

In Utah, car insurance costs range from $716 for excellent credit to $1,639 for poor credit. Insurers use your credit score to gauge risk, with a good score typically between 670 and 739.

Understanding these key factors can help you find more affordable car insurance in Utah:

• Age and driving experience: Younger, less experienced drivers typically face higher insurance rates.
• Driving record: A clean driving record can reduce affordable car insurance rates, while incidents such as speeding tickets, accidents or DUIs may increase costs.
• Vehicle type: A car's make, model and safety features impact insurance premiums. High-end vehicles generally cost more to insure due to higher repair costs.
• Credit score: Insurance companies in Utah may use credit scores as an indicator of risk, affecting the cost of car insurance. Higher scores often lead to lower premiums.
• Location: Rates can vary significantly depending on where you live in Utah due to traffic density, crime rates and the likelihood of wildlife collisions.
• Coverage type: The choice between collision insurance, comprehensive insurance, and state minimum coverage affects the premium, with more coverage typically costing more.
• Insurance history: Consistent insurance coverage without lapses can lower your rates. Insurers see continuous coverage as a sign of responsibility and lower risk.
• Gender: While not all states factor gender into car insurance rates, in Utah, it may slightly influence the cost, particularly for younger drivers.
• Annual mileage: The distance you've traveled annually can affect your rates. Drivers with higher mileage may pay more due to the increased risk of accidents or vehicle wear.
• Marital status: Married drivers often receive lower car insurance rates because they're statistically seen as having fewer accidents than single drivers.

Check with multiple insurers to find the best rate for your specific situation.

To get affordable car insurance in Utah, compare quotes from multiple insurers, raise your deductible and take advantage of all applicable discounts to lower premiums.

Get answers about what impacts the average cost of car insurance in Utah and how to find affordable rates.