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Last updated: September 19, 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).
SR-22s
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.
Recap
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
AutoInsurance.com 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.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Utah Code: Motor Vehicle Insurance. Utah Legislature. (2024).
https://le.utah.gov/xcode/Title31A/Chapter22/C31A-22-P3_1800010118000101.pdfFacts + Statistics: Uninsured motorists. Insurance Information Institute. (2024).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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