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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.
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What To Know First
Bankrate's insurance editorial team, which includes licensed property and casualty agents, used data from Quadrant Information Services to determine the average cost of car insurance in Utah, which is $539 per year for the state-mandated minimum coverage. For full coverage, which also includes collision and comprehensive insurance, drivers paid an average of $1,510. Although every driver’s rate will vary based on their unique circumstances, understanding the average costs drivers pay in the state in various scenarios may provide a baseline for other Utah drivers searching for car insurance.
- Drivers typically pay more than average in prominent Utah cities such as Salt Lake City and Provo.
- Parents with a 16-year-old male driver on their policy pay an average of $3,949 for coverage.
- A DUI conviction in Utah may increase your rate by an average of 90 percent.
- If you have an excellent credit score, you can expect to pay around 15 percent less than the state average for your policy.
- Honda Odysseys are one of the cheaper cars to insure in Utah, averaging $1,300 annually for full coverage.
On This Page
- How much is car insurance in Utah?
- Utah car insurance rates by city
- Average cost of car insurance by age and gender in Utah
- How does driving record impact the cost of car insurance in Utah?
- Car insurance rates in Utah by credit tier
- Utah car insurance rates by vehicle type
- How to save on car insurance in Utah
- Estimate your car insurance cost in Utah
- Frequently asked questions
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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 |
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.
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