How Much Is Car Insurance in Utah? Rates by Coverage Level, Age, Driving History and Location

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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On average, a 40-year-old driver with a full coverage policy and a clean record will be charged $1,154 annually for full coverage car insurance. Meanwhile, a minimum coverage policy costs $734 for the same driver.

Price can also change depending on a driver’s characteristics. The same full coverage policy for a 16-year-old costs $3,315.

MoneyGeek broke down average car insurance rates in Utah in all the important ways to help you make sense of how rates change.

Average Cost of Car Insurance in Utah: Summary

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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Why Are Car Insurance Rates Average 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

Minimum vs. Full Coverage Car Insurance Costs 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

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.

Methodology

The car insurance rates in this guide were collected by MoneyGeek with the help of Quadrant Information Services. Our sample driver was an average 40-year-old with a full coverage and clean driving record, unless altered by factors described above, including coverage levels, age, driving violations and credit score. The policies we surveyed were for a full coverage policy. Visit our methodology page to know more about our review process.

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists was drawn from 2019 data from the Insurance Research Council
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019

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.