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Last updated: March 27, 2024

Average Cost of Car Insurance in Utah in 2024

What are car insurance rates in the Beehive State?

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Utah is home to over 2 million drivers, and that number continues to rise as drivers return to the road post-pandemic. While some metropolitan areas like Salt Lake City may have public transportation, much of the state is ruled by highways. In short, Utahns need a car to get around. Since Utah is a no-fault state, average car insurance rates are higher than the national average.

Still, the cost of car insurance in Utah also depends on other factors, like age, gender, and driving history. Read below to find out more about what to expect when shopping for insurance.

Average Cost of Car Insurance in Utah

For full coverage, the average rate for car insurance in Utah is $1,347 per year, or $115 per month. 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 $5,105 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 $1,428 annually.

Age Average annual cost of car insurance
16 $6,633
17 $5,723
18 $4,793
19 $3,274
20s $2,296
30s $1,746
40s $1,525
50s $1,442
60s $1,428
70s $1,680

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 $523 per year on average.

Coverage level Average annual cost of car insurance
Minimum $523
Full $1,347

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 $1,000 more each year than a driver with an excellent score.

Credit score Average annual cost of car insurance
Poor $2,150
Average $1,376
Good $1,205
Excellent $997

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.

Driving history Average annual cost of car insurance
Clean driving record $1,339
Speeding ticket $1,657
Accident $1,982
DUI $2,356

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.

Company Average annual cost of car insurance
Allstate $1,672
GEICO $1,018
Progressive $1,435
State Farm $1,388
USAA $1,498

Cheapest Car Insurance in Utah

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

Demographic Cheapest company Average annual cost of car insurance
Male GEICO $1,071
Female GEICO $974
Male teens GEICO $3,341
Female teens GEICO $3,286
Married GEICO $1,338
Single USAA $1,429
Military USAA $897
Veteran USAA $897
Full coverage GEICO $1,129
Minimum coverage GEICO $435
Bad credit Nationwide $1,560
16 years old Auto-Owners $4,336
17 years old GEICO $3,356
18 years old GEICO $2,663
19 years old Nationwide $1,352
20s QBE $2,243
30s USAA $940
40s USAA $913
50s USAA $852
60s USAA $896
70s GEICO $1,095

How to Save on Car Insurance in Utah

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 Car Insurance in Utah

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.

Fault Law in Utah

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.

Methodology has helped individuals find their best-match car insurance company for over two decades. Leveraging a comprehensive database of proprietary information on both car insurance buyers and companies, we offer personalized recommendations tailored to each individual’s needs. To provide a clear picture of what drivers pay for auto insurance in each state, we utilize this data and other information about state minimum coverage laws, fault systems, and SR-22s/FR-44s.

Frequently Asked Questions

Is car insurance cheaper in Utah?

Car insurance in Utah costs more than the national average due to at least a couple factors:

  • Utah is a no-fault state, so PIP is required in minimum coverage for drivers.
  • The state is encountering more severe weather, including wildfires and droughts. These are unpredictable and cause more expensive damages, which car insurance companies have reflected in their premiums.

Is uninsured motorist coverage required in Utah?

Uninsured motorist coverage isn’t required in Utah, but it’s a good idea in case you are involved in an accident where the responsible party doesn’t have car insurance. Over 7 percent of drivers in Utah do not carry insurance.2 Adding this coverage helps to avoid out-of-pocket costs the other party may not be able to cover, without suing them.

Is car insurance getting more expensive in Utah?

Yes. Car insurance rates in Utah have increased in recent years due to inflation, auto supply chain issues, and the increased price of used vehicles. While insurance costs are also higher in other states, Utah drivers also pay more due to an increased number of accidents.

How long is Utah’s new-car insurance grace period?

The new-car insurance grace period is seven to 30 days. The grace period is the amount of time individuals can drive a new car before adding it to an insurance policy they already have. Drivers without a policy will need personal injury protection and liability coverage before getting on the road.


  1. Utah Code: Motor Vehicle Insurance. Utah Legislature. (2024).

  2. Facts + Statistics: Uninsured motorists. Insurance Information Institute. (2024).