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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.

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2023

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Average Car Insurance Costs in Utah (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$517

$43

Clean

$531

$44

Clean

$621

$52

Ticket

$649

$54

Ticket

$690

$57

Ticket

$767

$64

At-Fault Accident

$780

$65

At-Fault Accident

$831

$69

DUI

$875

$73

At-Fault Accident

$910

$76

DUI

$934

$78

Clean

$946

$79

Clean

$951

$79

DUI

$999

$83

Clean

$1,168

$97

Ticket

$1,198

$100

Ticket

$1,232

$103

At-Fault Accident

$1,445

$120

Ticket

$1,445

$120

At-Fault Accident

$1,493

$124

DUI

$1,589

$132

DUI

$1,646

$137

At-Fault Accident

$1,722

$144

DUI

$1,846

$154

Why Are Car Insurance Rates Moderate in Utah?

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 Car Insurance Costs in Utah by Company

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.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$369

$31

Farmers Union Insurance

$388

$32

Auto-Owners Insurance Co

$399

$33

Nationwide

$415

$35

GEICO

$415

$35

Auto-Owners Insurance Co

$423

$35

Nationwide

$433

$36

State Farm

$468

$39

GEICO

$479

$40

Progressive

$481

$40

GEICO

$490

$41

Iowa Farm Bureau

$497

$41

State Farm

$500

$42

Progressive

$507

$42

Iowa Farm Bureau

$515

$43

Iowa Farm Bureau

$537

$45

Auto-Owners Insurance Co

$545

$45

Progressive

$550

$46

Nationwide

$550

$46

American Family

$592

$49

American Family

$595

$50

State Farm

$605

$50

Farmers

$609

$51

Farmers Union Insurance

$614

$51

Allstate

$659

$55

Farmers

$659

$55

Nationwide

$670

$56

Allstate

$717

$60

Nationwide

$725

$60

Auto-Owners Insurance Co

$726

$60

American Family

$726

$60

Auto-Owners Insurance Co

$729

$61

Farmers

$759

$63

GEICO

$760

$63

Allstate

$790

$66

Farmers Union Insurance

$821

$68

GEICO

$835

$70

Kemper

$840

$70

State Farm

$841

$70

Kemper

$843

$70

Farmers Union Insurance

$844

$70

American Family

$892

$74

Nationwide

$896

$75

American Family

$899

$75

GEICO

$907

$76

State Farm

$909

$76

Iowa Farm Bureau

$921

$77

Progressive

$940

$78

Iowa Farm Bureau

$955

$80

Kemper

$963

$80

Progressive

$967

$81

Auto-Owners Insurance Co

$1,008

$84

Iowa Farm Bureau

$1,015

$85

Allstate

$1,028

$86

Farmers

$1,071

$89

Farmers

$1,085

$90

American Family

$1,124

$94

Allstate

$1,138

$95

State Farm

$1,153

$96

Progressive

$1,182

$99

Allstate

$1,187

$99

Farmers Union Insurance

$1,320

$110

Farmers

$1,330

$111

Kemper

$1,708

$142

Kemper

$1,727

$144

Kemper

$2,021

$168

Insurance Rates

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MONEYGEEK’S UTAH CAR INSURANCE CALCULATOR

Insurance companies consider your coverage limit and other factors like your driving history and credit score to calculate your insurance rate. You can quickly estimate your premiums from different providers using MoneyGeek's Utah auto insurance calculator.

Average Car Insurance Costs in Utah by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in Utah by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$621

$52

22-29

$1,168

$97

30-59

$517

$43

30-59

$951

$79

60 +

$531

$44

60 +

$946

$79

Average Car Insurance Costs in Utah for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$3,375

$281

$7,136

$595

16

$3,771

$314

$7,870

$656

17

$3,073

$256

$5,094

$425

17

$3,546

$295

$6,149

$512

18

$2,604

$217

$4,294

$358

18

$2,900

$242

$4,914

$410

19

$2,493

$208

$2,866

$239

19

$2,725

$227

$3,296

$275

20

$2,497

$208

$2,449

$204

20

$2,738

$228

$2,805

$234

21

$1,977

$165

$1,915

$160

21

$2,141

$178

$2,160

$180

22

$2,128

$177

$1,772

$148

22

$2,262

$188

$1,955

$163

23

$2,191

$183

$1,613

$134

23

$2,342

$195

$1,734

$144

24

$2,075

$173

$1,520

$127

24

$2,182

$182

$1,610

$134

25

$1,861

$155

$1,370

$114

25

$1,900

$158

$1,407

$117

Average Car Insurance Costs in Utah for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$532

$44

2012 Vehicle

$548

$46

2022 Vehicle

$549

$46

2012 Vehicle

$575

$48

2022 Vehicle

$630

$52

2012 Vehicle

$656

$55

2012 Vehicle

$979

$82

2012 Vehicle

$987

$82

2022 Vehicle

$1,174

$98

2012 Vehicle

$1,196

$100

2022 Vehicle

$1,198

$100

2022 Vehicle

$1,473

$123

Average Car Insurance Costs in Utah by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$517

$43

Clean

$531

$44

Clean

$621

$52

Ticket

$649

$54

Ticket

$690

$57

Ticket

$767

$64

At-Fault Accident

$780

$65

At-Fault Accident

$831

$69

DUI

$875

$73

At-Fault Accident

$910

$76

DUI

$934

$78

Clean

$946

$79

Clean

$951

$79

DUI

$999

$83

Clean

$1,168

$97

Ticket

$1,198

$100

Ticket

$1,232

$103

At-Fault Accident

$1,445

$120

Ticket

$1,445

$120

At-Fault Accident

$1,493

$124

DUI

$1,589

$132

DUI

$1,646

$137

At-Fault Accident

$1,722

$144

DUI

$1,846

$154

Average Car Insurance Costs in Utah by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$397

$33

Excellent

$410

$34

Excellent

$461

$38

Good

$493

$41

Good

$508

$42

Good

$575

$48

Fair

$610

$51

Fair

$627

$52

Excellent

$660

$55

Excellent

$681

$57

Excellent

$713

$59

Fair

$715

$60

Excellent

$716

$60

Below Fair

$726

$61

Below Fair

$743

$62

Excellent

$750

$62

Excellent

$753

$63

Excellent

$817

$68

Good

$830

$69

Excellent

$854

$71

Below Fair

$856

$71

Good

$857

$71

Poor

$877

$73

Good

$892

$74

Excellent

$895

$75

Good

$899

$75

Poor

$905

$75

Good

$942

$78

Good

$942

$79

Fair

$1,022

$85

Good

$1,035

$86

Poor

$1,035

$86

Fair

$1,057

$88

Good

$1,079

$90

Fair

$1,097

$91

Fair

$1,108

$92

Good

$1,130

$94

Fair

$1,161

$97

Fair

$1,162

$97

Below Fair

$1,227

$102

Below Fair

$1,273

$106

Fair

$1,281

$107

Below Fair

$1,313

$109

Below Fair

$1,331

$111

Fair

$1,335

$111

Below Fair

$1,390

$116

Below Fair

$1,397

$116

Fair

$1,401

$117

Poor

$1,529

$127

Below Fair

$1,553

$129

Poor

$1,577

$131

Below Fair

$1,613

$134

Poor

$1,631

$136

Poor

$1,639

$137

Below Fair

$1,694

$141

Poor

$1,728

$144

Poor

$1,733

$144

Poor

$1,931

$161

Poor

$1,994

$166

Poor

$2,099

$175

Average Car Insurance Costs in Utah by City

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.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Provo

$1,257

$690

Provo

$1,028

$579

Provo

$1,019

$588

Salt Lake City

$1,362

$731

Salt Lake City

$1,117

$614

Salt Lake City

$1,106

$626

West Jordan

$1,341

$748

West Jordan

$1,100

$629

West Jordan

$1,092

$640

West Valley City

$1,418

$782

West Valley City

$1,162

$657

West Valley City

$1,154

$668

Insurance Rates

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FAQ About Car Insurance Costs in Utah

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.