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

Utah drivers typically pay about $1,199 for full car insurance coverage each year. For those choosing minimum coverage, the annual cost is lower, near $648. Your car insurance premium is calculated based on factors like your age, how much coverage you want, where you live, your driving record and your credit history. Better driving records and credit scores can lead to more affordable plans.

Utah's average full coverage car insurance cost is $1,199 yearly or $100 monthly. Understanding your state's average cost of car insurance can help you evaluate if you're receiving a competitive rate when comparing car insurance quotes.

Below is a detailed look at Utah's insurance rates for minimum coverage and full protection, guiding your monthly and yearly budgeting for car and insurance expenses.

Car insurance in Utah is relatively affordable when compared with the national average cost of car insurance. Utah's average annual premium for full coverage with a $1,000 deductible is $1,199, which is below the national benchmark of $1,244 for the same level of coverage. Similarly, Utah's state minimum coverage costs about $648 annually, whereas the national average is $595.

The relative affordability of car insurance in Utah can be attributed to multiple factors. These include a lower frequency of natural disasters, which reduces risk for insurers, and potentially less traffic congestion compared to more populated states. The state's relatively lower crime rates can also contribute to reduced car theft and vandalism claims, in turn keeping insurance costs down for Utah residents.

Car insurance premiums vary per company, even within the same state. For instance, in Utah, Nationwide offers the cheapest full coverage annually at $725, while State Farm presents the most expensive average premium at $2,002.

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.

The cost of car insurance in Utah is influenced by several factors, with the chosen level of coverage being significant. For example, the average monthly premium for minimum coverage in Utah is approximately $54, whereas the average cost for full coverage, featuring a $1,000 deductible, is around $100. Despite being more expensive, obtaining a full coverage policy is encouraged because it offers a broader financial shield against a range of potential losses and damages.

Although adding comprehensive and collision coverages to your car insurance policy in Utah will increase your premium, tailoring the policy with higher deductibles can mitigate the impact on your costs. Remember, the deductible amount applies individually to each comprehensive and collision claim you file. This structure provides a balance, allowing for a more affordable premium while maintaining solid coverage.

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, along with $3,000 personal injury protection (PIP) per person. Uninsured/underinsured motorist coverage is not required.

Your car insurance premiums can vary greatly by your location. Provo boasts the cheapest full coverage rate at $1,028 annually, contrasting with West Valley City's highest at $1,162.

Car insurance rates in Utah can be influenced by factors such as driving history, vehicle type, usage frequency and credit scores. The safety and theft rates of your area also play a significant role.

Age does impact car insurance costs in Utah, with younger drivers typically paying more. Insurance rates are largely influenced by the age of the driver. Younger drivers, particularly those in the 22 to 29 age bracket, generally face higher premiums, averaging $1,478 annually. This trend reflects the industry's view of younger drivers as higher risk due to their inexperience.

By contrast, mature drivers aged 30 to 59 and seniors over 60 benefit from more affordable rates, with average yearly costs of $1,199 and $1,196, respectively, as their experience is seen as a mitigating factor for risk.

In Utah, age and gender affect car insurance rates significantly. The highest premiums are typically found for 16-year-old male drivers added to a family policy, averaging at about $3,771 annually.

Young drivers under 18 years old often cannot purchase car insurance independently without a guardian; an individual policy for a 16-year-old male would cost around $7,870.

The average annual cost for full coverage car insurance on a 2012 vehicle model is $979, while a similar 2022 model is insured at a higher rate of $1,198 annually. This increase is due to the newer car's higher actual cash value and the potential for more expensive repairs, combined with an elevated risk of theft.

Drivers of newer car models, such as those from 2022, should consider investing in comprehensive and collision coverage to protect against a wider range of incidents, including accidents, natural disasters and theft, ensuring their investment is safeguarded.

Having a driving record with violations can greatly affect how much you pay for car insurance in Utah. Here's what you might expect to pay on average:

• With a ticket: $1,477 per year; $123 per month
• With an at-fault accident: $1,775 per year; $148 per month
• With a DUI: $1,957 per year; $163 per month

Major violations like at-fault accidents or DUIs can make your insurance bills increase significantly. These higher costs stick with you as long as the violations are on your driving record. For example, in Utah, a DUI can stay on your record for 10 years.

By checking the table, Utah drivers can see the average cost of insurance for each driving record by both coverage and age group, making it easier to understand what you might pay.

In Utah, the average cost of car insurance varies significantly with credit score, from as low as $716 for excellent credit to a steep $1,639 for those with poor credit. Your credit score is a key factor insurers consider to determine your rates, reflecting how risky you might be to insure. A good credit score is typically in the range of 670 to 739.

Discover the driving factors behind car insurance rates in Utah, ensuring you find the most affordable plan for your needs.

• Age and Driving Experience: Premiums for car insurance in Utah are influenced by the driver's age and years of driving experience, with younger, less experienced drivers often facing higher rates.

• Driving Record: A clean driving record can lead to more affordable car insurance rates, while incidents such as speeding tickets, accidents or DUIs may increase costs.

• Vehicle Type: The make, model and safety features of a car 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, with higher scores often leading to lower premiums.

• Location within Utah: Rates can vary significantly based on where you live in Utah due to factors like traffic density, crime rates and 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 contribute to more favorable rates, as insurers view this as evidence of a responsible and lower-risk driver.

• 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 amount you drive 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 individuals often receive lower car insurance rates in Utah because they're statistically seen as having fewer accidents than single drivers.

These factors are indicative and rates may vary. Check with multiple insurers to find the best rate for your specific situation in Utah.

To get affordable car insurance in Utah, compare quotes across insurers, raise your deductible and utilize 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.