The cheapest insurance rates in Utah tends to be found on compact SUVs like the Subaru Crosstrek, Nissan Kicks, and Buick Envision.
How much does car insurance cost in Utah?
The average cost of car insurance in Utah is $2,262 per year, which is 1.8% more expensive than the overall national average rate of $2,221 per year. Car insurance cost per month in Utah averages $189 for full coverage.
Car insurance quotes are very dependent on the model of vehicle being insured. Compact SUVs like the Honda CR-V tend to have much better than average rates while full-size SUVs like the Chevrolet Suburban tend to cost quite a bit more. Average car insurance rates in Utah for 15 of the most popular vehicles in the state are shown in the chart below.
Figure 1: Average cost to insure popular 2024 model year vehicles in Utah. Rates updated on June 27, 2025.
Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Utah Zip Codes.
Utah Car Insurance Rates for Popular Vehicles
Make/Model
Annual Premium
Cost Per Month
Mazda CX-5
$1,842
$154
Honda CR-V
$1,926
$161
Honda HR-V
$1,964
$164
Nissan Rogue
$2,028
$169
Toyota Highlander
$2,054
$171
Chevrolet Equinox
$2,080
$173
Toyota RAV4
$2,084
$174
Toyota Corolla
$2,200
$183
Jeep Grand Cherokee
$2,260
$188
Hyundai Santa Fe
$2,298
$192
Toyota 4Runner
$2,422
$202
Toyota Camry
$2,426
$202
Chevrolet Silverado
$2,498
$208
Ford F150
$2,528
$211
Ram Truck
$2,612
$218
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Utah Zip Codes. Updated June 27, 2025
Two other factors that greatly influence the amount you pay for insurance are the age of the driver and the physical damage deductibles on the policy.
The chart below shows average car insurance rates in Utah for different ages of drivers and variable policy deductibles. Rates are averaged for all 2024 models, including luxury brands.
Figure 2: Average full-coverage car insurance premium in Utah for different ages of drivers. Rates updated on June 27, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Utah Zip Codes.
Average Car Insurance Cost in Utah
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$3,848
$321
$500
$4,548
$379
$250
$5,288
$441
30
$1,000
$2,020
$168
$500
$2,410
$201
$250
$2,816
$235
40
$1,000
$1,900
$158
$500
$2,262
$189
$250
$2,634
$220
50
$1,000
$1,690
$141
$500
$2,000
$167
$250
$2,322
$194
60
$1,000
$1,586
$132
$500
$1,874
$156
$250
$2,176
$181
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Utah Zip Codes. Updated June 27, 2025
Auto insurance rates in the chart above range from $1,586 per year for a 60-year-old driver with $1,000 deductibles to $5,288 per year for a 20-year-old driver with $250 deductibles. As a monthly cost, prices above range from $132 to $441 per month.
Teenage drivers are always the most expensive driver age group to insure, regardless of where you live. In Utah, average car insurance rates range from $5,378 per year for a 19-year-old female driver up to $8,044 per year for a 16-year-old male driver. Rates will differ considerably for teen drivers based on the vehicle driven, however, so the best way to nail down a rate for your specific Zip Code, vehicle, and driver, is to just get some free Utah car insurance quotes.
Other factors than can influence the cost of a policy are included below, along with some money-saving tips for finding the cheapest Utah car insurance.
Earning multiple policy discounts could save as much as $702 per year. These discounts include things like multi-vehicle, multi-policy, safe driver, claim-free, customer loyalty, and others.
Insuring multiple vehicles on one policy could save around $118 per year and just being a homeowner could save $32 or more per year.
Driving a vehicle with cheaper insurance rates is a great way to save money. For example, driving a Subaru CrossTrek instead of a Jeep Wrangler could save as much as $910 each year on car insurance.
Having an at-fault accident could cause your rates to increase by as much as $936 each year. Safe drivers pay the lowest car insurance rates.
Even minor traffic violations like speeding tickets or failure to yield could increase the annual cost of auto insurance in Utah by $596 for a 40-year-old driver.
A middle-age driver with a serious conviction like a DUI or reckless driving could pay as much as $2,094 more per year.
Bundling your car and homeowners insurance with the same company could save an average of $292 per year.
Is Utah car insurance more expensive than other states?
When compared to states that share a border, Utah car insurance rates are14% less than Colorado, 0.8% less than Wyoming, 13.6% more than Idaho, 22% less than Nevada, 2.9% less than Arizona, and 4.4% more than New Mexico.
The chart below shows how average car insurance rates in Utah compare to other West region U.S. states. Utah ranks fourth out of the 11 states in the West region for cheapest car insurance cost.
Figure 3: Average cost of car insurance in Utah compared to other West region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in Utah Compared to West Region
West Region States
Average Annual Premium
Cost Difference
Hawaii
$1,922
-$340
Idaho
$1,974
-$288
Alaska
$2,052
-$210
Utah
$2,262
--
Wyoming
$2,280
$18
Washington
$2,304
$42
Montana
$2,330
$68
Oregon
$2,360
$98
Colorado
$2,602
$340
Nevada
$2,820
$558
California
$2,842
$580
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Utah Zip Codes. Updated June 26, 2025
Since Utah ranks 18th overall out of all 50 U.S. states for car insurance affordability, it fares well when compared to states in other parts of the country.
Average Utah car insurance rates compared to other states:
Average Utah car insurance cost is 22.7% cheaper than California
1.8% cheaper than Washington
19.5% cheaper than New York
19.6% cheaper than Florida
3.8% cheaper than Texas
Utah car insurance rates by automotive segment
The chart below shows average car insurance rates in Utah for each of the different automotive segments. This data is useful when shopping for vehicles but you may not know which type of vehicle has the cheapest average car insurance rates. From this data, you can determine the small and midsize SUVs tend to have cheaper overall car insurance rates than a large SUV or a luxury model.
Figure 4: Car insurance average cost by automotive segment in Utah. Rates updated on June 26, 2025.
Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Utah Zip Codes.
Car Insurance Rates by Automotive Segment in Utah
Automotive Segment
Annual Premium
Cost Per Month
Compact SUV
$2,072
$173
Midsize SUV
$2,228
$186
Compact Car
$2,232
$186
Minivan
$2,234
$186
Midsize Pickup
$2,280
$190
Midsize Car
$2,302
$192
Compact Luxury SUV
$2,448
$204
Compact Luxury Car
$2,482
$207
Large SUV
$2,492
$208
Half-ton Pickup
$2,504
$209
Heavy Duty Pickup
$2,596
$216
Midsize Luxury SUV
$2,680
$223
Midsize Luxury Car
$2,770
$231
Sports Car
$3,104
$259
Large Car
$3,246
$271
Large Luxury SUV
$3,496
$291
Large Luxury Car
$3,614
$301
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Utah Zip Codes. Updated June 26, 2025
Which models have cheap car insurance in Utah?
Vehicles with the cheapest car insurance quotes in Utah for their segment include the Subaru Crosstrek at $1,668 per year, the Toyota GR Corolla at $1,964 per year, the Kia K5 at $2,176 per year, and the Honda Passport at $1,798 per year.
Additional segment-leading insurance rates include the Chrysler 300 at $2,150 per year, the Chevrolet Tahoe at $2,120 per year, the Chevrolet Colorado at $1,988 per year, and the Nissan Titan at $2,112 per year.
For luxury brands, the cheapest insurance rates in Utah can be found on the Acura Integra at $2,008 per year, the Acura RDX at $1,888 per year, the Mercedes-Benz CLA250 at $2,322 per year, the Jaguar E-Pace at $2,112 per year, the Audi A5 at $2,682 per year, and the Infiniti QX80 at $2,532 per year.
The table below ranks the 75 vehicles with the cheapest average car insurance rates in Utah. Vehicles are all from the 2024 model year and include all segments, including luxury models.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Utah Zip Codes. Updated June 26, 2025
Top 75 cheapest vehicles to insure in Utah with the Subaru Crosstrek ranking first at $1,668 per year
Car insurance rate variability
For most people, it’s difficult to understand how much car insurance rates can vary or the number of different factors that go into a rate calculation.
We included the charts below to help you visualize the range of car insurance cost for different popular vehicles. They all show average rates for the same risk profiles, like a 30-year-old high-risk driver, different ages of safe drivers, and different policy deductible examples.
These charts show a very select few average rates, but will hopefully help you understand how much car insurance can vary based on just a few changes in rating criteria.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Utah costs an average of $2,498 per year and ranges from $2,070 to $5,798 per year for the sample driver risk profiles shown in the chart below.
Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Utah includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Silverado Insurance Cost in Utah
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,798
$483
Safe Driver Age 20
$5,072
$423
At-fault Accidents Age 40
$3,570
$298
Low Deductibles Age 40
$3,224
$269
Safe Driver Age 30
$2,658
$222
Safe Driver Age 40
$2,498
$208
Safe Driver Age 50
$2,218
$185
High Deductibles Age 40
$2,128
$177
Safe Driver Age 60
$2,078
$173
Discount Rate Age 40
$2,070
$173
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025
Toyota Corolla insurance rates
Toyota Corolla car insurance rates in Utah range from $1,826 to $5,044 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $2,200 per year or $183 per month in Utah.
Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Utah includes all Zip Codes and vehicle trim levels.
2024 Toyota Corolla Insurance Cost in Utah
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,044
$420
Safe Driver Age 20
$4,404
$367
At-fault Accidents Age 40
$3,124
$260
Low Deductibles Age 40
$2,820
$235
Safe Driver Age 30
$2,340
$195
Safe Driver Age 40
$2,200
$183
Safe Driver Age 50
$1,960
$163
High Deductibles Age 40
$1,876
$156
Safe Driver Age 60
$1,832
$153
Discount Rate Age 40
$1,826
$152
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025
Honda CR-V insurance rates
The chart below shows average Honda CR-V insurance rates in Utah for different driver ages and risk profiles. Annual cost ranges from $1,600 to $4,426 per year for the example driver risk profiles, with average cost being $1,926 per year.
Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Utah includes all Zip Codes and vehicle trim levels.
2024 Honda CR-V Insurance Cost in Utah
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,426
$369
Safe Driver Age 20
$3,868
$322
At-fault Accidents Age 40
$2,724
$227
Low Deductibles Age 40
$2,510
$209
Safe Driver Age 30
$2,052
$171
Safe Driver Age 40
$1,926
$161
Safe Driver Age 50
$1,708
$142
High Deductibles Age 40
$1,624
$135
Safe Driver Age 60
$1,600
$133
Discount Rate Age 40
$1,600
$133
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 27, 2025
Kia Sorento insurance rates
Average Kia Sorento insurance rates in Utah as shown in the chart below range from $1,782 to $4,924 per year, with the average cost being $2,142.
Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Utah includes all Zip Codes and vehicle trim levels.
2024 Kia Sorento Insurance Cost in Utah
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,924
$410
Safe Driver Age 20
$4,308
$359
At-fault Accidents Age 40
$3,024
$252
Low Deductibles Age 40
$2,826
$236
Safe Driver Age 30
$2,290
$191
Safe Driver Age 40
$2,142
$179
Safe Driver Age 50
$1,896
$158
High Deductibles Age 40
$1,792
$149
Discount Rate Age 40
$1,782
$149
Safe Driver Age 60
$1,776
$148
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in Utah is $2,426 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,016 to $5,578 per year.
Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Utah includes all Zip Codes and vehicle trim levels.
2024 Toyota Camry Insurance Cost in Utah
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$5,578
$465
Safe Driver Age 20
$4,890
$408
At-fault Accidents Age 40
$3,422
$285
Low Deductibles Age 40
$3,224
$269
Safe Driver Age 30
$2,594
$216
Safe Driver Age 40
$2,426
$202
Safe Driver Age 50
$2,144
$179
High Deductibles Age 40
$2,018
$168
Discount Rate Age 40
$2,016
$168
Safe Driver Age 60
$2,008
$167
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025
Average rates in larger Utah cities
Listed below are average car insurance rates for some of the larger cities in Utah. Visit any page to view detailed rate information, including the models with the cheapest car insurance cost in each city.
