Car insurance is a legal requirement in Utah. Drivers must carry at least 25/65/15 liability insurance, which includes $25,000 in bodily injury coverage per person, $65,000 in bodily injury coverage per accident and $15,000 in property damage coverage per accident. Utah is also a no-fault state, which means drivers are required to carry Personal Injury Protection (PIP).
The average cost of car insurance in Utah is $332 per year for a minimum coverage policy and $1,186 for a full coverage policy. A minimum coverage policy includes state minimum coverage only, whereas a full coverage policy also comes with collision and comprehensive insurance that protect your vehicle from losses like accident damage, theft, fire and more.
How much does car insurance cost in Utah?
Car insurance rates vary by state. In addition, rates are personalized based on the city you live in, your age, your driving record and the insurance company you buy coverage from. However, Utah drivers pay less for car insurance than the average American driver.
For comparison, the average cost of car insurance in the United States is $565 per year for a minimum coverage policy and $1,674 per year for a full coverage car policy. That means Utah drivers pay $488 less for full coverage car insurance and $233 less for minimum coverage car insurance than the average American driver.
Utah car insurance rates by company
When you are shopping for car insurance, the best car insurance company in Utah for you needs is not necessarily the cheapest car insurance company. In the table below, we highlighted the average annual car insurance premiums from some of the biggest and most popular car insurance carriers in Utah. You can see that rates vary pretty significantly based on the provider you work with.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Allstate | $579 | $1,421 |
| American Family | $882 | $1,676 |
| Auto-Owners | $546 | $1,384 |
| Farmers | $473 | $1,116 |
| Geico | $322 | $971 |
| Iowa Farm Bureau | $466 | $1,180 |
| Kemper | $727 | $2,340 |
| MetLife | $854 | $1,995 |
| Nationwide | $424 | $1,052 |
| Progressive | $548 | $1,195 |
| State Farm | $720 | $1,648 |
| USAA | $278 | $839 |
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 also determine your rate. The table below includes the average cost of car insurance in Utah’s 20 most populated cities, and how the rate differs from the state average premium.
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Salt Lake City | $1,442 | 10% |
| West Valley City | $1,503 | 15% |
| Provo | $1,370 | 5% |
| West Jordan | $1,439 | 10% |
| Ogden | $1,323 | 1% |
| Sandy | $1,378 | 5% |
| Orem | $1,379 | 6% |
| St. George | $1,222 | -6% |
| Layton | $1,286 | -2% |
| Millcreek | $1,439 | 10% |
| Taylorsville | $1,493 | 14% |
| South Jordan | $1,390 | 6% |
| Logan | $1,207 | -8% |
| Lehi | $1,342 | 3% |
| Draper | $1,373 | 5% |
| Murray | $1,445 | 11% |
| Bountiful | $1,296 | -1% |
| Roy | $1,303 | 0% |
| Kearns | $1,499 | 15% |
| Spanish Fork | $1,340 | 3% |
Utah car insurance rates by age
Young drivers 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 among any other age bracket. The following table includes Utah auto insurance rates by age.
*16 year old calculated on parent’s policy disclosure
Utah car insurance rates by driving record
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. Here are the car insurance rates in Utah for drivers with one speeding ticket, one accident and a DUI and how much it impacts insurance premiums.
| Driving incident | Average annual full coverage premium in Utah | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,608 | 36% |
| Accident | $1,953 | 65% |
| DUI | $2,500 | 111% |
How to save on car insurance in Utah
Drivers in Utah pay below-average rates for car insurance. But if you are looking for cheap car insurance, there are some ways to get an even lower rate. 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.
Frequently asked questions
How much is car insurance in Utah per month?
The average car insurance rates in Utah are $332 per year for a minimum coverage policy and $1,186 or a full coverage policy. On a monthly basis, that breaks down to about $27 per month for minimum coverage and $98 per month for full coverage.
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.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Incident: 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.
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Average cost of car insurance in Utah for 2021 - Bankrate.com
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