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Average cost of car insurance in Utah for 2023

Utah drivers pay an average of $539 each year for minimal auto insurance coverage; for full coverage, they pay $1,510.

Updated Apr 11, 2023
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How much is car insurance in Utah?

Car insurance rates vary by state. In addition, rates are personalized based on factors such as the city you live in, your age, your driving record and the insurance company you buy coverage from. However, the average car insurance cost in Utah is less than the average American driver pays for their coverage. For comparison, the average cost of car insurance in the United States is $622 per year for a minimum coverage policy and $2014 per year for full coverage.

Average minimum coverage premium in Utah Average annual full coverage premium in Utah
$539 $1,510
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Utah car insurance rates by city

Utah car insurance rates are not standardized across the entire state. The city you live in and your ZIP code will play a role in determining your rate. Factors such as the theft rate in your neighborhood and number of accidents in your city may impact your rate. The table below includes the average cost of car insurance in five Utah cities, and how the rate differs from the state average premium.

Utah city Average annual full coverage premium Percentage difference from Utah average annual full coverage premium
Orem $1,551 +3%
Provo $1,525 +1%
Salt Lake City $1,622 +7%
Sandy $1,547 +2%
West Jordan $1,592 +5%

Average car insurance costs by age and gender in Utah

How much is car insurance in Utah if you are a young person? Young drivers typically pay the highest rates for car insurance due to their lack of experience on the road. In fact, data from the Centers for Disease Control and Prevention (CDC) shows that the risk of a car accident is higher among drivers between the ages of 16–19 than any other age bracket. Car insurers are not allowed to use age as a rating factor in Hawaii and Massachusetts.

Gender will also impact your rate in Utah, since statistics show that male drivers have a higher rate of accidents than females, especially young male drivers. Gender is not a contributing factor in several states: California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania. 

Age Average monthly full coverage premium in Utah Average annual full coverage premium in Utah
Age 16* $329 $3,949
Age 18 $428 $5,850
Age 20 $338 $4,053
Age 25 $162 $1,942
Age 30 $134 $1,611
Age 40 $127 $1,521
Age 50 $117 $1,399
Age 60 $114 $1,362
Age 70 $129 $1,549

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Utah Average annual full coverage premium in Utah
Age 16* $291 $3,495
Age 18 $402 $4,827
Age 20 $279 $3,353
Age 25 $147 $1,763
Age 30 $130 $1,564
Age 40 $125 $1,498
Age 50 $116 $1,395
Age 60 $113 $1,353
Age 70 $126 $1,511

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in Utah

While 16- and 17-year-olds cannot get their own car insurance policies in almost all situations, young drivers aged 18 and up often have the option to get their own policy or stay on their parents’ policy (as long as they still live in their parents’ household in most circumstances). As you can see from the average rates below, staying on your parents’ policy in Utah as a teen will typically save a significant amount of money off the annual premium.

Age Average annual premium for drivers on their parents' policy in Utah Average annual premium for drivers on their own policy in Utah
Age 16 $3,722 N/A*
Age 17 $3,361 N/A*
Age 18 $3,104 $5,338
Age 19 $2,752 $4,074
Age 20 $2,592 $3,703

*16- and 17-year-old drivers must be on their parents’ or legal guardian’s policy.

How does driving record impact the cost of car insurance in Utah?

One of the biggest factors that will impact your car insurance rate is your driving record. If you have any violations on your record within the last several years, you will probably pay a higher premium. The most serious infraction is generally considered to be a DUI; Utah drivers with one or more may see significant penalties, including the loss of their license, and they may have to find a car insurance company that specializes in high-risk drivers

Below are average car insurance rates in Utah for drivers with one speeding ticket, one accident or a DUI, showing the impact each typically has on car insurance premiums.

Driving incident Average annual full coverage premium in Utah Percentage increase from Utah average annual full coverage premium
Clean driving record $1,510 0%
Speeding ticket conviction $1,869 24%
At-fault accident $2,242 48%
DUI conviction $2,866 90%

Car insurance rates in Utah by credit tier

In all but four states, your credit-based insurance score can have a large impact on your car insurance rates, and Utah is no different. Studies have shown that drivers who have a poor credit score tend to file more claims, and average car insurance rates reflect that increased risk. In fact, drivers with a poor credit score in Utah might pay as much as 76% more for their full coverage car insurance.

Credit tier Average annual full coverage premium in Utah Percentage change from Utah average annual full coverage premium
Poor $2,661 +76%
Average $1,644 +9%
Good $1,510 0%
Excellent $1,277 -15%

Utah car insurance rates by vehicle type

Another factor in determining your rate is the type of car you drive. Cars that are more costly to repair, such as luxury sedans or high-end sports cars, are likely to see higher rates for their insurance. As this table shows, the Honda Odyssey and Ford F-150 have average insurance rates below the state average.

Vehicle Average annual full coverage premium in Utah
Toyota Camry $1,510
Ford F-150 $1,304
Honda Odyssey $1,300
BMW 330i $1,911
Toyota Prius $1,569

How to save on car insurance in Utah

Average car insurance rates in Utah are lower than national averages, which should be welcome news to Utah drivers. But no one wants to pay more than they have to for car insurance. If you are looking for cheap car insurance, there are a few strategies you can consider to help you save money. Here are some suggestions:

  • Pay your premium in full: If you can afford to pay your annual premium upfront and in full, your insurance company will likely reduce your premium slightly.
  • Take a defensive driver course: Many insurance companies offer a discount to drivers who complete an approved defensive driver training course.
  • Improve your credit score: If you have a low credit score, improving your credit may help you get a better car insurance rate.
  • Switch insurance companies: If you are unhappy with your current rate and feel like you can find a better deal elsewhere, switching insurance companies is always an option.
  • Take advantage of discounts: Most car insurance companies offer several discounts to help offset costs, and many of these are easy to earn. You might want to check your policy each year to take advantage of any discounts you qualify for.

Estimate your car insurance cost in Utah

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Senior Editor, Insurance