How much is car insurance in Utah per month?

The average car insurance rates in Utah are $819 per year for a minimum coverage policy and $2,134 for a full coverage policy. On a monthly basis, that breaks down to about $68 per month for minimum coverage and $178 per month for full coverage.

Is car insurance expensive in Utah?

The average rate of car insurance in Utah is less than the national average, with drivers paying an average of $819 for minimum coverage and $2,134 for full coverage annually. Your own rate is likely to differ from this, because it is based on factors that are unique to you and your situation, such as your age and location, as well as your car's make, model and age.

Why do car insurance rates vary by state?

Auto insurance prices are based on risk calculations, which insurers use to estimate the potential costs a given policyholder might present to their finances. Risk factors vary between individuals, but also between geographic regions. In areas with high property crime rates, for instance, comprehensive coverage is likely to cost more due to the higher risk of a vandalism or theft claim. State regulation of the insurance industry can also account for differences in rates. In a recent study of state insurance regulation, the New York Times identified Utah as a “high regulation” state, meaning that insurance companies in Utah receive tighter regulation of the rates they charge to consumers.

What is the best car insurance company in Utah?

The best car insurance company in Utah is different for everyone. For some drivers, USAA might be the best option, and for others, Allstate is a better choice. Before you choose an insurance company, take some time to shop around, get multiple quotes and compare them to see which provider can offer the lowest price for the amount and type of coverage you want.

What is the cheapest car insurance company in Utah?

There is no single company that is always the cheapest for everyone. When looking for cheap Utah car insurance rates, it's a good idea to ask for quotes from several insurers to see who can give you the lowest rate. Just be sure you're asking for exactly the same coverage options from each carrier, so you can do an apples-to-apples comparison.

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Average cost of car insurance in Utah for 2025

Written by

TJ Porter

Edited by

Amelia Buckley

Edited by

Amelia Buckley

Updated Apr 01, 2025

Utah drivers pay an average of $2,134 per year for full coverage and $819 for minimum coverage, per Bankrate’s research.

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How much is car insurance in Utah?

To find out how much car insurance costs in Utah, Bankrate’s team of insurance experts analyzed data from Quadrant Information Services. On average, drivers in the Beehive State pay $819 per year for minimum coverage car insurance and $2,134 for full coverage. For comparison, the average cost of car insurance in the United States is $800 per year for a minimum coverage policy and $2,685 for full coverage.

Utah’s car insurance rates reflect the risk factors at play in the state, as well as efforts of insurance regulators to enforce fair pricing for consumers. Compared to other states, Utah’s average rates for both full and minimum coverage are fairly affordable — but keep in mind that these numbers are averages and might not reflect your own costs. Every driver in Utah receives different premiums calculated based on personal factors like age, driving record, credit history and more.

Key takeaways

Average rates in Utah are $68 per month for minimum coverage and $178 per month for full coverage.
Drivers in major cities like Salt Lake City and Provo typically pay higher rates for car insurance.
Parents who add a 16-year-old male driver to their policy pay an average of $463 for full coverage, while adding a 16-year-old female costs $423
A DUI conviction in Utah increases average insurance rates by 95 percent more
Drivers with excellent credit history pay around 17 percent less than the state average for a policy.

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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 play a role in determining your rate. Insurers look at statistical data related to accident rates and property crime in a given ZIP code to understand the risk levels associated with car ownership there. If your area has a lot of dense traffic, a high rate of vehicle theft or other key risk factors, you could pay a higher rate for car insurance. The table below includes the average cost of car insurance in 10 Utah cities and how rates differ from the statewide average premium.

City	Avg. monthly full coverage premium	Avg. annual full coverage premium	Avg. savings vs. state average
Summit	$163	$1,954	-9%
Altamont	$175	$2,104	-1%
Bluebell	$174	$2,092	-2%
Layton	$170	$2,040	-5%
Salt Lake City	$193	$2,318	+8%
Honeyville	$168	$2,020	-5%
Howell	$170	$2,044	-4%
Willard	$168	$2,016	-6%
Castle Dale	$165	$1,982	-7%
Kenilworth	$166	$1,995	-7%
Lake Powell	$167	$2,000	-6%
Provo	$180	$2,162	+1%
Elberta	$175	$2,102	-2%
Ephraim	$173	$2,072	-3%
Stockton	$174	$2,088	-2%
Woods Cross	$170	$2,041	-4%
Sandy	$181	$2,173	+2%
Eagle Mountain	$179	$2,153	+1%
Manila	$174	$2,089	-2%
Cedar Valley	$177	$2,124	-0%
Henefer	$176	$2,109	-1%
Altonah	$174	$2,086	-2%
Clearfield	$172	$2,062	-3%
Magna	$195	$2,337	+9%
Saratoga Springs	$179	$2,146	+1%
Alpine	$184	$2,207	+3%
Croydon	$174	$2,086	-2%
Echo	$175	$2,103	-1%
Ibapah	$174	$2,087	-2%
American Fork	$179	$2,149	+1%
Centerville	$168	$2,017	-6%
Grantsville	$168	$2,017	-6%
Kaysville	$169	$2,034	-5%
Lehi	$179	$2,152	+1%
Oakley	$178	$2,131	-0%
Pleasant Grove	$182	$2,184	+2%
Roy	$173	$2,077	-3%
Tooele	$171	$2,054	-4%
Tridell	$173	$2,082	-2%
West Jordan	$188	$2,253	+5%
Woodruff	$173	$2,072	-3%
Park City	$172	$2,065	-3%
Bear River City	$171	$2,054	-4%
Corinne	$169	$2,028	-5%
Plymouth	$170	$2,036	-5%
Providence	$160	$1,924	-10%
Blanding	$168	$2,014	-6%
East Carbon	$166	$1,995	-7%
Ferron	$167	$2,002	-6%
Draper	$181	$2,169	+2%
Farmington	$168	$2,011	-6%
Lapoint	$173	$2,071	-3%
Midway	$176	$2,117	-1%
Mountain Home	$176	$2,117	-1%
Peoa	$176	$2,108	-1%
Midvale	$185	$2,221	+4%
Morgan	$175	$2,099	-2%
Randlett	$174	$2,091	-2%
Vernal	$170	$2,045	-4%
South Jordan	$182	$2,186	+2%
Orem	$182	$2,190	+3%
Rush Valley	$171	$2,057	-4%
Herriman	$178	$2,133	-0%
Salem	$174	$2,086	-2%
Salina	$164	$1,974	-8%
Scipio	$167	$2,000	-6%
Cedar City	$159	$1,906	-11%
Central	$166	$1,994	-7%
Glendale	$166	$1,989	-7%
Ivins	$160	$1,924	-10%
Kanab	$163	$1,951	-9%
Koosharem	$166	$1,986	-7%
Hill Afb	$172	$2,058	-4%
Talmage	$175	$2,098	-2%
Wallsburg	$178	$2,139	+0%
Beryl	$165	$1,976	-8%
Boulder	$166	$1,995	-7%
Garrison	$167	$1,998	-7%
Junction	$169	$2,025	-5%
Orderville	$169	$2,030	-5%
North Salt Lake	$175	$2,105	-1%
Myton	$176	$2,112	-1%
Neola	$175	$2,105	-1%
Randolph	$174	$2,088	-2%
Duchesne	$177	$2,119	-1%
Jensen	$174	$2,088	-2%
Kamas	$176	$2,114	-1%
Bingham Canyon	$179	$2,148	+1%
Bountiful	$171	$2,051	-4%
Dugway	$170	$2,045	-4%
Dutch John	$174	$2,094	-2%
Fruitland	$176	$2,116	-1%
Roosevelt	$172	$2,064	-3%
Tabiona	$176	$2,112	-1%
Whiterocks	$175	$2,095	-2%
Dammeron Valley	$167	$1,999	-7%
Saint George	$162	$1,939	-10%
Ogden	$175	$2,100	-2%
Smithfield	$164	$1,973	-8%
Elmo	$166	$1,995	-7%
Green River	$163	$1,959	-9%
Monticello	$169	$2,034	-5%
Washington	$161	$1,928	-10%
Virgin	$164	$1,973	-8%
Axtell	$168	$2,014	-6%
Beaver	$166	$1,987	-7%
Holden	$163	$1,961	-8%
Kanosh	$164	$1,973	-8%
Leamington	$165	$1,984	-7%
Nephi	$170	$2,037	-5%
Spring City	$173	$2,080	-3%
Alton	$167	$2,004	-6%
Glenwood	$163	$1,959	-9%
Kingston	$168	$2,021	-5%
Hurricane	$158	$1,896	-12%
Milford	$169	$2,031	-5%
Modena	$164	$1,968	-8%
Newcastle	$166	$1,992	-7%
Parowan	$162	$1,949	-9%
Leeds	$163	$1,956	-9%
Monroe	$163	$1,950	-9%
Panguitch	$171	$2,056	-4%
Duck Creek Village	$166	$1,989	-7%
Rockville	$165	$1,981	-7%
Bryce	$166	$1,991	-7%
Delta	$163	$1,958	-9%
Levan	$172	$2,061	-3%
Meadow	$164	$1,969	-8%
Sigurd	$165	$1,986	-7%
Circleville	$169	$2,028	-5%
Hanksville	$168	$2,021	-5%
Mount Carmel	$165	$1,982	-7%
New Harmony	$163	$1,957	-9%
Fairview	$179	$2,142	+0%
Gunnison	$169	$2,025	-5%
Hinckley	$164	$1,967	-8%
Lynndyl	$165	$1,984	-7%
Manti	$173	$2,074	-3%
Oak City	$163	$1,962	-8%
Redmond	$164	$1,968	-8%
Sterling	$172	$2,064	-3%
Enterprise	$167	$2,003	-6%
Greenville	$168	$2,012	-6%
Minersville	$169	$2,028	-5%
Fort Duchesne	$173	$2,079	-3%
Heber City	$178	$2,141	+0%
Laketown	$171	$2,049	-4%
Cannonville	$167	$2,008	-6%
Elsinore	$162	$1,950	-9%
Gunlock	$168	$2,014	-6%
La Verkin	$164	$1,964	-8%
Marysvale	$169	$2,026	-5%
Paragonah	$165	$1,975	-8%
Deweyville	$169	$2,030	-5%
Logan	$162	$1,939	-10%
Park Valley	$172	$2,062	-3%
Trenton	$165	$1,978	-8%
Helper	$165	$1,976	-8%
La Sal	$167	$1,999	-7%
Fielding	$169	$2,032	-5%
Garland	$169	$2,033	-5%
Price	$163	$1,960	-8%
Cleveland	$166	$1,992	-7%
Moab	$162	$1,940	-10%
Hyrum	$164	$1,969	-8%
Montezuma Creek	$170	$2,035	-5%
Huntsville	$176	$2,110	-1%
Lewiston	$168	$2,015	-6%
Emery	$165	$1,984	-7%
Pine Valley	$166	$1,990	-7%
Toquerville	$163	$1,959	-9%
Coalville	$176	$2,115	-1%
Hanna	$175	$2,106	-1%
Vernon	$173	$2,075	-3%
Wendover	$173	$2,073	-3%
Aurora	$165	$1,980	-7%
Fillmore	$164	$1,965	-8%
Escalante	$173	$2,079	-3%
Hatch	$166	$1,997	-7%
Henrieville	$166	$1,994	-7%
Moroni	$174	$2,093	-2%
Richfield	$163	$1,959	-9%
Mount Pleasant	$175	$2,103	-1%
Springville	$180	$2,161	+1%
Mapleton	$179	$2,150	+1%
Annabella	$165	$1,984	-7%
Antimony	$169	$2,024	-5%
Brian Head	$163	$1,954	-9%
Joseph	$164	$1,965	-8%
Santaquin	$170	$2,044	-4%
Spanish Fork	$176	$2,111	-1%
Sevier	$165	$1,982	-7%
Chester	$171	$2,053	-4%
Eureka	$172	$2,067	-3%
Fayette	$170	$2,034	-5%
Mona	$170	$2,035	-5%
Payson	$174	$2,090	-2%
Wales	$172	$2,059	-4%
Bicknell	$167	$2,008	-6%
Greenwich	$167	$2,004	-6%
Kanarraville	$162	$1,943	-9%
Loa	$171	$2,052	-4%
Lyman	$167	$2,007	-6%
Cornish	$165	$1,983	-7%
Eden	$174	$2,090	-2%
Hooper	$170	$2,038	-5%
Hyde Park	$162	$1,950	-9%
Paradise	$165	$1,986	-7%
Snowville	$169	$2,030	-5%
Tremonton	$170	$2,043	-4%
Wellsville	$163	$1,960	-8%
Bluff	$170	$2,044	-4%
Veyo	$167	$2,004	-6%
Santa Clara	$160	$1,917	-11%
Springdale	$163	$1,962	-8%
Teasdale	$167	$2,004	-6%
Tropic	$166	$1,994	-7%
Hildale	$166	$1,997	-7%
Collinston	$169	$2,025	-5%
Mantua	$167	$2,009	-6%
Portage	$169	$2,032	-5%
Aneth	$168	$2,022	-5%
Monument Valley	$170	$2,040	-5%
Orangeville	$167	$2,001	-6%
Wellington	$164	$1,973	-8%
Huntington	$165	$1,985	-7%
Mexican Hat	$169	$2,029	-5%
Thompson	$162	$1,941	-9%
Richmond	$167	$2,006	-6%
Brigham City	$166	$1,998	-7%
Cache Junction	$163	$1,960	-8%
Clarkston	$167	$2,008	-6%
Grouse Creek	$171	$2,048	-4%
Mendon	$164	$1,963	-8%
Millville	$162	$1,947	-9%
Newton	$168	$2,012	-6%
Cisco	$163	$1,953	-9%
Clawson	$165	$1,981	-7%
Sunnyside	$167	$2,000	-6%
Riverton	$176	$2,109	-1%
Syracuse	$170	$2,044	-4%
Torrey	$169	$2,025	-5%
Garden City	$170	$2,041	-4%
Lindon	$182	$2,179	+2%
Centerfield	$168	$2,021	-5%
Fountain Green	$173	$2,081	-3%
Goshen	$171	$2,055	-4%
Mayfield	$170	$2,040	-5%

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Average car insurance costs by age and gender in Utah

Young drivers in Utah, as in most states, pay some of the highest rates for car insurance due to their lack of experience on the road. Statistics show that teen drivers are more likely to be involved in accidents and may engage in risky behaviors behind the wheel, such as speeding or texting while driving. In fact, motor vehicle accidents were the leading cause of death for female teenagers between 13 and 19 years old in 2020.

Along with your age, your gender has the potential to impact your car insurance rate in Utah. That’s because statistics also show that male drivers have a higher rate of fatal accidents than females.

Age 40

Avg. monthly full coverage premium in Utah

$179

Avg. annual full coverage premium in Utah

$2,153

Age 50

Avg. monthly full coverage premium in Utah

$166

Avg. annual full coverage premium in Utah

$1,995

Age 60

Avg. monthly full coverage premium in Utah

$160

Avg. annual full coverage premium in Utah

$1,920

Age 70

Avg. monthly full coverage premium in Utah

$182

Avg. annual full coverage premium in Utah

$2,178


Age 16*	Avg. monthly full coverage premium in Utah $463	Avg. annual full coverage premium in Utah $5,552
Age 18	Avg. monthly full coverage premium in Utah $663	Avg. annual full coverage premium in Utah $7,951
Age 20	Avg. monthly full coverage premium in Utah $448	Avg. annual full coverage premium in Utah $5,380
Age 25	Avg. monthly full coverage premium in Utah $227	Avg. annual full coverage premium in Utah $2,720
Age 30	Avg. monthly full coverage premium in Utah $191	Avg. annual full coverage premium in Utah $2,291
Age 40	Avg. monthly full coverage premium in Utah $179	Avg. annual full coverage premium in Utah $2,153
Age 50	Avg. monthly full coverage premium in Utah $166	Avg. annual full coverage premium in Utah $1,995
Age 60	Avg. monthly full coverage premium in Utah $160	Avg. annual full coverage premium in Utah $1,920
Age 70	Avg. monthly full coverage premium in Utah $182	Avg. annual full coverage premium in Utah $2,178

*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 40

Avg. monthly full coverage premium in Utah

$176

Avg. annual full coverage premium in Utah

$2,115

Age 50

Avg. monthly full coverage premium in Utah

$164

Avg. annual full coverage premium in Utah

$1,974

Age 60

Avg. monthly full coverage premium in Utah

$157

Avg. annual full coverage premium in Utah

$1,889

Age 70

Avg. monthly full coverage premium in Utah

$177

Avg. annual full coverage premium in Utah

$2,127


Age 16*	Avg. monthly full coverage premium in Utah $423	Avg. annual full coverage premium in Utah $5,071
Age 18	Avg. monthly full coverage premium in Utah $572	Avg. annual full coverage premium in Utah $6,867
Age 20	Avg. monthly full coverage premium in Utah $388	Avg. annual full coverage premium in Utah $4,654
Age 25	Avg. monthly full coverage premium in Utah $211	Avg. annual full coverage premium in Utah $2,531
Age 30	Avg. monthly full coverage premium in Utah $186	Avg. annual full coverage premium in Utah $2,227
Age 40	Avg. monthly full coverage premium in Utah $176	Avg. annual full coverage premium in Utah $2,115
Age 50	Avg. monthly full coverage premium in Utah $164	Avg. annual full coverage premium in Utah $1,974
Age 60	Avg. monthly full coverage premium in Utah $157	Avg. annual full coverage premium in Utah $1,889
Age 70	Avg. monthly full coverage premium in Utah $177	Avg. annual full coverage premium in Utah $2,127

*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

Bankrate’s take: Like all insurance, car insurance is priced based on risk. In order to predict customers’ risk factors, insurers turn to statistics, which show a higher rate of accidents for male drivers compared to female drivers, especially in younger age groups. In states that permit the use of age and gender in auto insurance pricing, young men are most likely to pay high rates for coverage compared to other groups.

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 can. Older teens 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). Unless an 18 year old has a separate permanent address from their parents, it’s typically more affordable to stay on a family policy because older family members’ lower risk will offset the risk associated with the teen. As you can see from the average rates below, staying on your parents’ policy in Utah can shave a significant amount of money off your annual premium.


Age 16*	Avg. annual premium for drivers in Utah $5,312
Age 17	Avg. annual premium for drivers in Utah $4,746
Age 18	Avg. annual premium for drivers in Utah $4,301
Age 19	Avg. annual premium for drivers in Utah $3,770
Age 20	Avg. annual premium for drivers in Utah $3,613

*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 18	Avg. annual premium for drivers in Utah $7,409
Age 19	Avg. annual premium for drivers in Utah $5,492
Age 20	Avg. annual premium for drivers in Utah $5,017

*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	Avg. annual premium difference for drivers on their own policy
Age 18	72 percent more
Age 19	46 percent more
Age 20	39 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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. Some incidents, like speeding tickets, may only result in a minor increase to your insurance premium. DUI convictions, on the other hand, are a serious matter for insurers. 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 providing coverage for high-risk drivers.

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


Clean driving record	Avg. annual premium* in Utah $2,134	Percentage increase from Utah avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in Utah $2,602	Percentage increase from Utah avg. annual premium* 22%
At-fault accident	Avg. annual premium* in Utah $3,074	Percentage increase from Utah avg. annual premium* 44%
DUI conviction	Avg. annual premium* in Utah $4,165	Percentage increase from Utah avg. annual premium* 95%

*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

Car insurance rates in Utah by credit score

In all but three 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 history tend to file more claims, and average car insurance rates reflect that increased risk. In fact, drivers with poor credit in Utah might pay as much as 84 percent more for full coverage car insurance.


Poor	Avg. annual premium* in Utah $3,924	Percentage difference from Utah avg. annual premium* 84%
Average	Avg. annual premium* in Utah $2,325	Percentage difference from Utah avg. annual premium* 9%
Good	Avg. annual premium* in Utah $2,134	Percentage difference from Utah avg. annual premium* 0%
Excellent	Avg. annual premium* in Utah $1,771	Percentage difference from Utah avg. annual premium* -17%

*Rates reflect full coverage policies.

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.


Toyota Camry	Avg. annual premium* in Utah $2,134
Ford F-150	Avg. annual premium* in Utah $2,064
Honda Odyssey	Avg. annual premium* in Utah $1,939
BMW 330i	Avg. annual premium* in Utah $2,565
Toyota Prius	Avg. annual premium* in Utah $2,183

*Rates reflect full coverage policies.

Estimate your car insurance cost in Utah

Given how many factors influence Utah’s car insurance rates, figuring out how much you need to budget for insurance can be tricky. Use this calculator to help estimate how much you might expect to pay.

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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 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 up front and in full, your insurance company may discount your premium.
Improve your credit: If you have bad credit, taking steps to improve it could eventually mean securing a better car insurance rate.
Switch insurance companies: You may want to request quotes from a range of carriers every year to see if another company offers you a better deal on your auto insurance. Switching insurers is typically fairly easy and may save you money in the long run.
Take advantage of discounts: Most car insurance companies offer several discounts to help offset costs, and many are easy to earn. You might want to check with your agent each year about what’s available and what you might qualify for.
Enroll in a telematics program: Insurers are increasingly offering telematics programs, which use an app or a small device installed in your car to monitor your driving in real time. If you prove to be a safe and careful driver, you can be rewarded with a reduced rate.

Frequently asked questions

The average car insurance rates in Utah are $819 per year for a minimum coverage policy and $2,134 for a full coverage policy. On a monthly basis, that breaks down to about $68 per month for minimum coverage and $178 per month for full coverage.
The average rate of car insurance in Utah is less than the national average, with drivers paying an average of $819 for minimum coverage and $2,134 for full coverage annually. Your own rate is likely to differ from this, because it is based on factors that are unique to you and your situation, such as your age and location, as well as your car's make, model and age.
Auto insurance prices are based on risk calculations, which insurers use to estimate the potential costs a given policyholder might present to their finances. Risk factors vary between individuals, but also between geographic regions. In areas with high property crime rates, for instance, comprehensive coverage is likely to cost more due to the higher risk of a vandalism or theft claim. State regulation of the insurance industry can also account for differences in rates. In a recent study of state insurance regulation, the New York Times identified Utah as a “high regulation” state, meaning that insurance companies in Utah receive tighter regulation of the rates they charge to consumers.
The best car insurance company in Utah is different for everyone. For some drivers, USAA might be the best option, and for others, Allstate is a better choice. Before you choose an insurance company, take some time to shop around, get multiple quotes and compare them to see which provider can offer the lowest price for the amount and type of coverage you want.
There is no single company that is always the cheapest for everyone. When looking for cheap Utah car insurance rates, it's a good idea to ask for quotes from several insurers to see who can give you the lowest rate. Just be sure you're asking for exactly the same coverage options from each carrier, so you can do an apples-to-apples comparison.

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Premium

An insurance premium is the amount that you pay to receive coverage. You’ll typically pay the premium monthly, quarterly, semi-annually or annually. Many insurers will offer a discount if you pay for a longer period up front.

Full coverage car insurance

Full coverage auto insurance includes your state's required minimums plus additional coverage. Typically, it refers to policies that include collision and comprehensive insurance, which cover damage to your car from things like weather, theft and accidents you cause.

Minimum coverage car insurance

Most states mandate that drivers carry insurance, with required coverage relating to liability for medical bills and property damage. Minimum coverage car insurance policies do not help pay for expenses related to repairing or replacing your own vehicle if you cause an accident, though.

Deductible

An insurance deductible is the amount that you must pay out of pocket if you file an approved claim. If you’re facing a $1,000 car bill after an accident and have a $500 deductible, you’ll pay $500 out of pocket and the insurer will cover the other $500.

Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Average cost of car insurance in Utah for 2025

How much is car insurance in Utah?

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Car insurance rates in Utah by credit score

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Frequently asked questions

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Key terms in this article

Methodology

Other profiles

For credit based-based insurance scores:

For incident-based insurance rates:

For age-based insurance rates:

For teen insurance rates:

For model-based insurance rates:

For gender-based insurance rates: