Average cost of car insurance in Utah for 2023

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.

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.

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. 

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.

*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.

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.

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.

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

Frequently asked questions