Discover essential tips for buying car insurance in Utah. Make informed choices and maximize your savings.
Car Insurance Calculator Utah
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Utah will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Utah can range anywhere from $671 to $7,140 per year depending on a variety of factors.
To get the best deal on Utah car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Utah Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Deciding on your coverage level before shopping can help you avoid paying for unnecessary coverage. Consider factors such as your location, driving habits, vehicle type, and financial situation. To assist you, we've created a calculator to determine how much coverage you need.
Research Costs and Discounts for You
Research average car insurance costs in Utah for your chosen coverage level and driver profile. This helps you understand your savings when comparing quotes. Also, look for discounts you may qualify for to discuss additional savings with agents.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, start gathering provider estimates. This helps identify where to begin comparing quotes and who offers the cheapest car insurance in Utah for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can significantly reduce your expenses in Utah. Our research indicates savings of up to 54% on full coverage and 57% on minimum coverage. Utilize various avenues such as comparison sites, independent brokers, insurer websites, and direct agencies, as prices for identical coverage may vary.
Take Advantage of Utah-Specific Programs
If you're a high-risk driver, Utah provides defensive driver courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for drivers who travel less than average. Many companies also offer telematics insurance, which rewards good driving with discounts up to 40%. Some automakers provide insurance programs directly, potentially offering more benefits and savings compared to traditional options.
What Affects Your Utah Car Insurance Estimates?
Your car insurance premium in Utah is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click the links below to learn more about how each affects rates for Utah drivers:
How Much Does Provider Chosen Affect Utah Car Insurance Estimates?
In Utah, the provider you choose is the most influential factor affecting car insurance estimates. Your rates can drop 41% or increase by as much as 79% compared to the average for drivers in the Beehive State.
| Lowest | Nationwide | $60 | $724 |
| Highest | State Farm | $184 | $2,209 |
How Much Does Age Affect Utah Car Insurance Estimates?
Compared to other factors, age is the second most influential factor in determining your car insurance rates in Utah. Rates can increase as much as 151% and decrease by up to 48% depending on what age you are. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
| Lowest | 65 | $102 | $1,227 |
| Highest | 16 | $595 | $7,140 |
How Much Does Credit Affect Utah Car Insurance Estimates?
Credit score level influences car insurance rates in Utah the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $76 monthly to $182 per month on average for full coverage policies.
| Lowest | Excellent | $76 | $917 |
| Highest | Poor | $182 | $2,186 |
How Much Does Coverage Affect Utah Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, causing rates to vary anywhere from $671 per year for minimum coverage to $1,482 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $56 | $671 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $123 | $1,482 |
How Much Does Driving Record Affect Utah Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Utah with rates changing up to 23%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $103 | $1,233 |
| Highest | DUI - BAC >= .08 | $169 | $2,024 |
Utah Car Insurance Calculator: Bottom Line
We recommend you look into costs, coverage options and different companies. Then, use our car insurance calculator for estimates. After that, gather lots of quotes. Compare them with our numbers for your profile to find an affordable plan that's just right for you.
Utah Car Insurance Estimate: FAQ
Below you will find answers to common questions about Utah car insurance costs and estimates:
What is used to determine Utah car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Utah car insurance on average?
In Utah, the average car insurance is $1,306 annually. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $42 per month to up to $233 monthly on average.
How do I get the best car insurance in Utah?
To secure optimal car insurance in Utah, assess your coverage needs, compare rates from various insurers and use car insurance calculators for tailored quotes.
Our Utah Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.