Average car insurance cost in Utah
Utah sits in the pricier half of the country at #36 of 51, with average premiums about 8% above the national average — roughly $192 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Utah compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Utah next to nearby states:
Utah car insurance FAQ
How much is car insurance in Utah?
Full-coverage car insurance in Utah averages $224 per month ($2,688 per year). A state-minimum liability policy averages $102 per month ($1,224 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Utah more expensive than average?
Yes. Utah's full-coverage average of $224/month is about 8% above the U.S. average of $208/month, ranking #36 of 51 (1 = cheapest).
Is Utah a no-fault state?
Yes. Utah uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Utah?
Minimum liability in Utah averages $102/month versus $224/month for full coverage — a gap of $122/month, or $1,464/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.