Average Cost of Car Insurance in Utah for 2026

Full coverage costs $127 a month in Utah, close to the $124 national average. Minimum coverage costs $67, above the $60 national average, mainly because Utah requires every driver to carry personal injury protection (PIP) and uninsured motorist coverage on top of standard liability. PIP pays your medical bills after a crash no matter who caused it.

Raising your liability limits in Utah costs less than dropping your deductible. Full 100/300/100 coverage with a $1,000 deductible costs $127 a month, while a $0 deductible on minimum liability costs $145, even though full coverage carries higher liability limits for less money. Minimum liability costs $68 a month, and adding comprehensive and collision with a $1,000 deductible brings that to $84, the $16 difference that covers damage to your own car. If you're still deciding, types of car insurance coverage breaks down what's included at each level, and how much car insurance you need helps you find the right one.

West Valley City has Utah's highest full coverage rate at $171 a month, $43 more than St. George's $128. Even St. George, Utah's cheapest city for insurance, is still a dollar above the state's $127 average. Heavy traffic on I-215 and State Route 201, plus higher vehicle theft, explain why West Valley City costs more.

At 16, a male driver costs $369 a month to add to a Utah family plan, and a female driver costs $443 less a year, since Utah allows gender-based pricing. Rates for 16, 17 and 18-year-olds vary by gender more than at any other age.

A Utah DUI conviction raises full coverage in Utah from $127 to $201 a month, the biggest jump of any violation. Speeding adds $293 a year, and an at-fault accident adds $728. A DUI or multiple violations can limit your options to Utah's high-risk car insurance providers.

Utah insurers use your credit score when calculating your quote. Poor credit raises full coverage in Utah from $126 to $281 a month, a $155 increase. Then for minimum coverage, good credit costs $68 a month and poor credit costs $132. Because insurers re-check your credit at each renewal, raising your score can lower your rate over time. Low-income drivers with poor credit can compare rates built specifically around that profile.

In Utah, EVs cost more to insure because their parts are pricier to repair. A Tesla Model Y costs $207 a month, much more than a Ford F-150 at $143 or a RAV4 at $169. Even a hybrid like the Toyota Prius, at $166 a month, costs less than a fully electric vehicle. With vehicle theft on the rise in Utah, comprehensive coverage is worth having no matter which of these you drive.

Credit score and age are Utah's two biggest rate factors. Credit changes full coverage by $155 a month between good and poor scores, while age changes male drivers' rates by $170 between 16 and 25. On top of whatever you're quoted, every Utah policy also includes PIP and UI/UM coverage, costs that apply to everyone regardless of your driving profile.

To compare rates in Utah, get quotes from a few insurers for the same coverage level, since prices can vary by more than $40 a month for identical drivers. Cheapest car insurance in Utah ranks insurers by price, and best car insurance companies in Utah adds customer satisfaction and claims history.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state:

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.