Average Cost of Car Insurance in Utah in 2025

For full coverage, the average rate for car insurance in Utah is $1,978 per year, or $165 per month. This is around 17 percent lower than the national average cost of full coverage auto insurance, which is $2,399. Let’s take a look at the average cost of insurance in Utah by demographic.

By Age

If you’re a teen driver, you’ll pay the most for car insurance at $6,629 per year. However, the cost drops around $1,000 each year until drivers reach their 20s. The cost of car insurance is considerably lower for adults in their 30s and older, with drivers in their 60s paying the least at $1,122 annually.

By Coverage Level

The more coverage you opt for, the more you’ll pay for car insurance. However, full coverage will also protect your assets in the event of a serious accident. Minimum coverage in Utah — which is one of a few states to require personal injury protection — runs $1,006 per year on average.

By City

The cost of auto insurance can vary significantly within your state, depending on the city you’re located in. West Valley City has the highest average cost of auto insurance ($2,358 annually), while Provo has the lowest ($2,119).

By Credit Score

When determining premiums for drivers in Utah, car insurance companies take credit score into account. You may end up paying more for your policy depending on your score. For example, a driver with a poor credit score will shell out over $1,500 more each year than a driver with an excellent score.

By Violation

Depending on your driving history, you’ll also pay more annually if you’ve gotten a DUI, been in an accident, or received a speeding ticket.

By Company

Expect to pay different rates for car insurance depending on the carrier. You may be able to pay less for the same policy, so it’s important to shop around before choosing a car insurance company.

If you’re searching for the lowest car insurance rates in Utah, check out the providers’ costs by demographic.

*On average, USAA offers cheaper rates for these profiles, but is available only to military members and their families. 

There are several ways to save on auto insurance in Utah:

• Comparing quotes from multiple insurance providers (usually at least three) can help you find the best rates for your coverage needs.
• Take advantage of discounts for things like tracking your driving, staying with the same provider continuously, insuring multiple cars on the same policy, and bundling auto and home, renters, or condo insurance.
• Choosing a car with anti-theft features (or installing a device yourself) or buying a used car.

Minimum coverage in Utah includes the following:

• $25,000 per person for bodily injury
• $65,000 per accident for bodily injury
• $15,000 per accident for property
• $3,000 in personal injury protection (PIP) limit per person and per accident¹

While you’ll save more on car insurance by choosing minimum coverage, it’s best to opt for full coverage. In the event of an accident, a full coverage policy will prevent steep out-of-pocket costs.

Utah is a no-fault state, which means that regardless of who is at fault, drivers seek the first $3,000 in medical expenses from their own insurance provider. Other costs covered under PIP include lost wages, household services, and disability costs. While each driver is responsible for their own medical expenses, the responsible party must cover the costs of the injured party’s property expenses (including their own).

Utah primarily requires SR-22 forms for people who have driven without insurance. You might also need one after a serious violation, like a DUI or hit-and-run. An SR-22 form provides proof that a driver holds Utah’s minimum insurance requirements.

As a no-fault state, Utah has auto insurance rates on the higher end. However, you can get the best prices on your policy if you shop around and maintain a good driving record. Even if certain factors (like credit score or driving history) cause your premium to cost more, you can still find ways to pay less for insurance by researching and comparing quotes. When comparing rates, make sure you’re selecting the same coverages and liability limits; that way you’re comparing apples to apples. Check out our top auto insurance picks in Utah.

We analyzed average auto insurance premiums in Utah for full and minimum coverage. We also reviewed different driver profiles, including drivers with good credit, those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible