Utah Car Insurance Rates

Projected auto insurance rates in Utah for 2018 are $1,184 annually for full coverage. Comprehensive, collision insurance, and liability insurance cost around $264, $482, and $306, respectively. West Valley City, Kearns, and Taylorsville have more expensive auto insurance rates, and the two most popular companies in Utah are State Farm and Allstate.

Average rate for full coverage: $1,184

Price estimates for type of coverage:

Comprehensive $264
Collision $482
Liability $306

40-year-old driver, full coverage with $500 deductibles, and good driving record

Cost of Car Insurance in Utah

For a 40-year-old driver, Utah insurance rates range from as cheap as $364 for your basic liability-only policy to the much higher price of $2,558 for high-risk insurance.

Liability Only $364
Full Coverage $1,184
High Risk $2,558

These price differences show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

Use the form below to get accurate rates for your location.

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Utah car insurance rate comparison chart
Column chart showing Utah car insurance prices range from $679 to $4,360 for full coverage

Chart shows Utah auto insurance prices for various situations. The lowest price with discounts is $679. Utah drivers who use higher $1,000 deductibles will pay about $1,014. The average price for a driver age 40 with no violations using $500 deductibles is $1,184. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cause an increase to $1,512. Drivers with multiple violations and accidents could be charged around $2,558. The rate for full coverage insurance for a 16-year-old driver can get as high as $4,360.

Auto insurance rates in Utah also range considerably based on your choice of vehicle, your driver profile, and deductibles and policy limits.

The city you live in plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion could see prices as low as $900 a year, while West Valley City and Kearns may see rates upwards of $1,500. Geographically different areas within a few miles of each other in the same city can have a wide range of rates.

These price discrepancies emphasize the importance of getting rates for your specific zip code.

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Utah insurance rates by city

Your choice of vehicle has a significant impact on the price you pay for auto insurance coverage in Utah. Driving a more affordable and lower-performance model will save money on insurance primarily due to lower repair costs and reduced frequency of accidents.

The next table shows insurance cost estimates for the best selling vehicles insured in Utah.

Utah Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,2525.4%
Dodge Ram$1,2867.9%
Ford Escape$986-20.1%
Ford Focus$1,144-3.5%
Ford Fusion$1,2545.6%
Ford F-150$1,114-6.3%
GMC Acadia$1,090-8.6%
GMC Sierra$1,2283.6%
Honda Accord$1,104-7.2%
Honda Civic$1,2968.6%
Honda CR-V$960-23.3%
Honda Pilot$1,124-5.3%
Hyundai Sonata$1,2021.5%
Kia Optima$1,2263.4%
Nissan Altima$1,2182.8%
Nissan Rogue$1,1900.5%
Toyota Camry$1,2061.8%
Toyota Corolla$1,180-0.3%
Toyota Prius$1,100-7.6%
Toyota RAV4$1,116-6.1%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $4,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

The company you buy your policy from definitely has an impact on price. Every insurance company has their own rate formula, and prices have large differences based on indivdual risk characteristics.

In Utah, auto insurance prices range from $578 with Bear River to as much as $1,955 with Encompass. Other companies like USAA, Auto-Owners, and American Family generally fall somewhere towards the middle. Those most likely are not the exact rates you would pay, as the vehicle you are insuring, your motor vehicle report, and your location in Utah have to be considered.

Utah Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm17.52%$1,417
2Allstate12.26%$1,596
3Farmers Insurance11.20%$1,379
4Geico7.77%$1,044
5Progressive7.63%$1,096
6Bear River5.35%$578
7American Family4.70%$974
8USAA4.37%$775
9Liberty Mutual4.14%$1,859
10Nationwide3.21%$1,018
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Using high physical damage deductibles can save as much as $500 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $276 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted rates will be varied between companies.

Utah Auto Insurance Articles

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Rates by Driver Age

Utah Insurance Rates by Driver Age
Driver AgePremium
16$4,360
20$2,736
30$1,242
40$1,184
50$1,084
60$1,064

Full coverage, $500 deductibles

Rates by Deductible

Utah Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,512
$250$1,360
$500$1,184
$1,000$1,014

Full coverage, driver age 40

Rates by Liability Limit

Utah Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,184
50/100$1,245
100/300$1,322
250/500$1,521
100 CSL$1,276
300 CSL$1,444
500 CSL$1,567

Full coverage, driver age 40

Rates for High Risk Drivers

Utah Car Insurance Rates for High Risk Drivers
AgePremium
16$6,228
20$4,346
30$2,622
40$2,558
50$2,442
60$2,416

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $164

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$63
Multi-vehicle$61
Homeowner$17
5-yr Accident Free$89
5-yr Claim Free$76
Paid in Full/EFT$56
Advance Quote$59
Online Quote$84
Total Discounts$505
Rate after discounts $679

Discounts are estimated and may not be available from every company or in every state.

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