Utah Car Insurance Rates 2025: Find Affordable Quotes

Are you a driver in the Beehive State feeling the sting of high car insurance costs? With the average annual rate for full coverage in Utah currently at $1,885, you might be wondering if you’re paying more than your fair share. That’s over $157 leaving your bank account every month—money that could be better spent elsewhere.

But that $1,885 figure is just a starting point. The reality is that your personal car insurance rate is a unique number, shaped by dozens of factors. A driver in Salt Lake City will see a different premium than a resident of St. George. A 20-year-old will have a vastly different rate than a 50-year-old. Your driving record, your credit score, and even the car you drive all play a critical role in the final price you pay.

Imagine having the knowledge to navigate this complex landscape with confidence. This guide is your roadmap to understanding exactly how Utah car insurance rates are calculated. We will demystify the numbers, show you what insurers are looking for, and provide you with a clear picture of what you should be paying. More importantly, we will equip you with proven strategies to slash your premium and secure the best possible coverage for your needs.

It’s time to stop guessing and start saving. Continue reading to master the details of auto insurance costs in Utah and learn how to find the most competitive Utah car insurance quote available to you today.

The Big Picture: What Is the Average Cost of Car Insurance in Utah?

Understanding the baseline is key to finding a great deal. In 2025, Utah drivers can expect to pay an average of $1,885 per year (about $157 per month) for full coverage car insurance. If you opt for the state-required minimum coverage, that average drops to $548 per year (around $46 per month).

Utah’s rates are quite favorable when compared to the national average, as drivers in the state generally enjoy more affordable premiums. However, these are just averages, and your personalized rate will depend on your specific circumstances.

Understanding “Full Coverage” vs. “Minimum Coverage”

These two terms are fundamental to car insurance, and knowing the difference is key to choosing the right policy.

• Minimum Coverage: This is the absolute least amount of insurance you must carry to legally drive a vehicle in Utah. It is designed to cover the costs of injuries and property damage you cause to other people in an accident. It offers no financial protection for your own car.
• Full Coverage: While not an official policy type, “full coverage” is the common industry term for a policy that bundles the state-required liability insurance with collision and comprehensive coverages.
  • Collision Coverage: This pays for repairs to your vehicle if it is damaged in a collision with another car or an object (like a fence or a pole), no matter who was at fault.
  • Comprehensive Coverage: This covers damage to your car from events other than a collision. This includes things like theft, vandalism, fire, falling objects, hail storms, or hitting a deer.

Utah’s Minimum Car Insurance Requirements: A No-Fault State

Utah is a “no-fault” insurance state, which makes its requirements a bit different from many other states. In a no-fault system, your own insurance company pays for your initial medical expenses after an accident, regardless of who was at fault. This is handled by your Personal Injury Protection (PIP) coverage.

Here are the minimum liability coverages every Utah driver must have:

• $25,000 for bodily injury liability per person
• $65,000 for bodily injury liability per accident
• $15,000 for property damage liability per accident
• $3,000 in Personal Injury Protection (PIP)

Let’s break that down:

• If you cause an accident, your policy will pay up to $25,000 for a single person’s injuries.
• The maximum your policy will pay for all injuries in a single accident you cause is $65,000.
• Your insurance will cover up to $15,000 in damage you cause to other people’s property.
• Your PIP coverage will pay the first $3,000 of your own (and your passengers’) medical bills after an accident, regardless of who was at fault.

Driving without this insurance is illegal and carries stiff penalties, including hefty fines and the suspension of your driver’s license and vehicle registration.

How Your Utah Address Impacts Your Car Insurance Quote

You might be surprised to learn that your ZIP code is one of the most powerful factors in determining your car insurance premium. Rates can fluctuate significantly from one city to another based on local risk factors. Insurance companies analyze data on:

• Population Density & Traffic: More cars and people in an area, like downtown Salt Lake City, lead to a higher likelihood of accidents.
• Crime Statistics: Higher rates of vehicle theft and vandalism in a neighborhood will increase the cost of comprehensive coverage.
• Weather Events: Areas prone to severe weather like heavy snowfall or hailstorms may have higher rates.
• Local Repair Costs: The cost of labor and parts at local auto body shops can influence collision and comprehensive premiums.

The table below shows the average annual full coverage premiums for several cities across Utah, highlighting the difference from the state average.

A driver in Salt Lake City could pay nearly $500 more per year than a driver in Logan for the same policy. This underscores why getting a Utah car insurance quote specific to your address is essential.

Age and Gender: How Demographics Shape Your Utah Car Insurance Rates

In Utah, insurers are legally permitted to use your age and gender as rating factors. Young drivers are statistically more likely to be involved in accidents due to their lack of experience, which is why they face the highest insurance costs. As drivers age and gain more experience, their rates typically decrease, hitting their lowest point in middle age before starting to slowly rise again for senior drivers.

Here’s a look at how average full coverage rates vary by age for both male and female drivers in Utah.

Average Annual Full Coverage Premium for Male Drivers

Average Annual Full Coverage Premium for Female Drivers

Rates for 16-year-olds are based on being added to a parent’s policy. Rates for 18- and 20-year-olds reflect their own individual policies as renters.

A Critical Money-Saving Tip for Young Drivers

For families with teen drivers, the high cost of insurance can be a major financial burden. The most effective way to combat this is by keeping the young driver on the family’s auto insurance policy rather than having them get their own.

When a teen is on a parent’s policy, they benefit from factors like the parent’s established driving history, credit score, and potential multi-car and multi-policy discounts. The cost difference is substantial.

Keeping a young driver on a shared family policy can save thousands of dollars annually until they are more established and their rates naturally decrease.

The Impact of Your Driving Record on Insurance Rates

Your driving record is a direct reflection of your risk level to an insurer. A history free of accidents and violations will secure you the best rates. On the other hand, even a minor infraction can cause your premium to jump, while a major violation can make it skyrocket.

Here’s how different incidents can affect the average full coverage premium for a Utah driver:

A DUI conviction is one of the most severe infractions. It will not only lead to a massive increase in your premium but will also require you to have your insurance company file an SR-22 form with the state. This form proves you carry the mandatory liability coverage. Many standard insurers will not cover drivers with a DUI, so you may need to seek out a company specializing in high-risk insurance.

How Your Credit Score Influences Your Car Insurance Premium

Utah is one of the states where insurers are allowed to use a credit-based insurance score to help set your rates. This score uses information from your credit history to predict your likelihood of filing a claim. Statistically, people with better credit file fewer claims, so they are offered lower insurance rates.

Here’s how much your credit standing can influence your average annual full coverage premium in Utah:

This demonstrates that maintaining good credit is a powerful way to ensure you’re getting the most affordable car insurance rates possible.

The Car You Drive: How Vehicle Type Affects Rates in Utah

The make and model of your vehicle play a significant role in your insurance costs. Insurers assess several factors related to your car:

• Cost of Repairs: Luxury vehicles and cars with specialized technology or imported parts are more expensive to repair after an accident.
• Theft Risk: Certain vehicles, particularly popular trucks and sedans, are targeted more often by thieves, which raises comprehensive insurance costs.
• Safety Features: Cars with high safety ratings and advanced driver-assistance systems may qualify for discounts.
• Performance: High-horsepower sports cars are associated with a higher risk of high-speed accidents and thus cost more to insure.

Here are a few examples of average annual full coverage premiums for different types of vehicles in Utah:

If you are in the market for a new car, it’s wise to get a Utah car insurance quote for the models you’re considering. The difference in premiums might influence your final purchasing decision.

How to Get the Cheapest Car Insurance Quotes in Utah

You have more control over your car insurance premium than you might think. By being a savvy consumer, you can find significant savings without sacrificing crucial coverage. Here are the most effective strategies for lowering your bill:

1. Compare Quotes from Multiple Companies: This is the golden rule of saving on car insurance. Rates can vary by hundreds or even thousands of dollars for the same driver and coverage. Always get at least three to five Utah car insurance quotes before making a decision.
2. Maximize Your Discounts: Every insurance company offers a variety of discounts. Don’t be shy about asking your agent to find every single one you qualify for. Common discounts include:
   • Multi-Policy (Bundling): Combining your auto insurance with a home, renters, or life insurance policy from the same company can lead to substantial savings.
   • Good Student: High school and college students with good grades (usually a B average or higher) can get a significant discount.
   • Telematics/Safe Driver: Programs that track your driving habits via a smartphone app or a plug-in device can offer large discounts for safe driving.
   • Pay-in-Full: Paying your entire 6-month or 12-month premium at once can often earn you a discount.
   • Defensive Driving Course: Completing an approved defensive driving course can lower your rates.
   • Safety and Anti-Theft Devices: Having features like airbags, anti-lock brakes, and car alarms can get you a small discount.
4. Increase Your Deductible: Your deductible is the amount you pay out-of-pocket for a collision or comprehensive claim. By raising your deductible from, for example, $500 to $1,000, you will lower your premium. Just ensure you choose a deductible amount you can comfortably afford to pay at a moment’s notice.
5. Review Your Coverage Annually: Don’t just “set it and forget it.” Your life changes, and so do your insurance needs. As your car gets older, you may no longer need full coverage. If you stop commuting to work, you can lower your annual mileage for a discount. Review your policy every year to make sure it still fits your life.
6. Maintain a Good Driving Record: The simplest rule is the most effective. Avoid accidents and traffic violations to keep your rates low and qualify for the best safe-driver discounts.

Frequently Asked Questions (FAQ)

What is the cheapest car insurance company in Utah?

There is no single “cheapest” company for everyone in Utah. The most affordable insurer for a 20-year-old driver in Salt Lake City will likely be different from the cheapest option for a 55-year-old in Logan with a perfect driving record. To find the cheapest company for your specific situation, you must compare Utah car insurance quotes from several providers.

How Much Is Car Insurance Per Month in Utah?

On average, drivers in Utah pay approximately $157 per month for full coverage and $46 per month for minimum coverage. These rates can vary depending on your individual rating factors.

Is Utah a no-fault state?

Yes, Utah is a no-fault state. This means your own car insurance policy includes Personal Injury Protection (PIP) to cover your initial medical expenses after an accident, regardless of who was at fault.

How can I get a Utah car insurance quote?

Getting a quote is fast and free. Most insurance companies offer quotes online through their websites or over the phone. You’ll need to provide some basic personal and vehicle information, such as your address, driver’s license number, and the make, model, and year of your car. The entire process often takes less than 15 minutes.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are based on a 40-year-old male and female driver with a clean driving record, good credit, and a 2023 Toyota Camry. Full coverage rates are based on the following limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 personal injury protection
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

Your own quotes will be different. The rates shown are for comparative purposes only.