Utah Car Insurance Cost for 2023

How much does average car insurance cost in Utah? We find the cheapest cars to insure in Utah along with rates by segment and cost for popular models.

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How much does car insurance cost in Utah?

The average cost of car insurance in Utah is $1,584 per year, which is 8.7% less expensive than the overall national average rate of $1,728 per year. Car insurance cost per month in Utah averages $132 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.

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Chart Data Details: Average Utah car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Utah Zip Codes.Data last updated on August 12, 2023
Utah Car Insurance Rates for Popular Vehicles
Utah Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$1,244$104
Honda HR-V$1,318$110
Honda CR-V$1,344$112
Chevrolet Equinox$1,424$119
Nissan Rogue$1,458$122
Toyota RAV4$1,468$122
Toyota 4Runner$1,484$124
Toyota Corolla$1,488$124
Toyota Camry$1,504$125
Toyota Highlander$1,580$132
Ford F150$1,610$134
Hyundai Santa Fe$1,626$136
Jeep Grand Cherokee$1,682$140
Ram Truck$1,732$144
Chevrolet Silverado$1,734$145

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 2023 models, including luxury brands.

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Chart Data Details: Chart shows average Utah car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Utah zip codes.Data last updated on August 11, 2023
Average Car Insurance Cost in Utah
Average Car Insurance Cost in Utah
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,670$223
$500$3,152$263
$250$3,662$305
30$1,000$1,398$117
$500$1,666$139
$250$1,948$162
40$1,000$1,336$111
$500$1,584$132
$250$1,840$153
50$1,000$1,220$102
$500$1,442$120
$250$1,674$140
60$1,000$1,198$100
$500$1,418$118
$250$1,644$137

Auto insurance rates in the chart above range from $1,198 per year for a 60-year-old driver with $1,000 deductibles to $3,662 per year for a 20-year-old driver with $250 deductibles. As a monthly cost, prices above range from $100 to $305 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 $3,988 per year for a 19-year-old female driver up to $5,672 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 $494 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 $84 per year and just being a homeowner could save $22 or more per year.
  • Driving a vehicle with cheaper insurance rates is a great way to save money. For example, driving a Subaru CrossTrek┬áinstead of a Jeep Wrangler could save as much as $540 each year on car insurance.
  • Having an at-fault accident could cause your rates to increase by as much as $650 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 $416 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 $1,454 more per year.
  • Bundling your car and homeowners insurance with the same company could save an average of $204 per year.

Is Utah car insurance more expensive than other states?

When compared to states that share a border, Utah car insurance rates are19.7% less than Colorado, 1.3% less than Wyoming, 20% more than Idaho, 30.3% less than Nevada, 4.4% less than Arizona, and 6.1% 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.

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Utah Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Utah Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,242-$342
Idaho$1,296-$288
Alaska$1,374-$210
Utah$1,584--
Wyoming$1,604$20
Washington$1,630$46
Montana$1,656$72
Oregon$1,684$100
Colorado$1,930$346
Nevada$2,150$566
California$2,172$588

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 31.3% cheaper than California
  • 2.9% cheaper than Washington
  • 27.3% cheaper than New York
  • 33.7% cheaper than Florida
  • 5.6% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Utah car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Utah Zip Codes.Data last updated on August 12, 2023
Utah Car Insurance Rates by Vehicle Segment
Utah Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,442$120
Midsize Pickup$1,494$125
Midsize SUV$1,548$129
Minivan$1,550$129
Compact Car$1,578$132
Midsize Car$1,614$135
Compact Luxury SUV$1,712$143
Half-ton Pickup$1,716$143
Large SUV$1,732$144
Compact Luxury Car$1,742$145
Heavy Duty Pickup$1,820$152
Midsize Luxury SUV$1,840$153
Large Car$1,844$154
Midsize Luxury Car$2,012$168
Sports Car$2,164$180
Large Luxury SUV$2,328$194
Large Luxury Car$2,444$204

Which models have cheap car insurance in Utah?

Vehicles with the cheapest car insurance quotes in Utah for their segment include the Chevrolet Trailblazer at $1,198 per year, the Subaru Impreza at $1,310 per year, the Subaru Legacy at $1,460 per year, and the Honda Passport at $1,230 per year.

Additional segment-leading insurance rates include the Chrysler 300 at $1,546 per year, the Chevrolet Tahoe at $1,484 per year, the Ford Maverick at $1,316 per year, and the Nissan Titan at $1,566 per year.

For luxury brands, the cheapest insurance rates in Utah can be found on the Acura Integra at $1,422 per year, the Acura RDX at $1,320 per year, the Cadillac CT5 at $1,704 per year, the Lexus RX 350 at $1,418 per year, the Audi A5 at $1,778 per year, and the Volvo XC90 at $1,634 per year.

The table below ranks the 75 vehicles with the cheapest average car insurance rates in Utah. Vehicles are all from the 2023 model year and include all segments, including luxury models.

Top 75 Cheapest Vehicles to Insure in Utah
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,198$100
2Subaru Crosstrek$1,210$101
3Nissan Kicks$1,216$101
4Honda Passport$1,230$103
5Nissan Rogue Sport$1,236$103
6Mazda CX-5$1,244$104
7Buick Encore$1,264$105
8Buick Envision$1,266$106
9Kia Seltos$1,284$107
10Subaru Ascent$1,286$107
11Hyundai Venue$1,292$108
12Subaru Impreza$1,310$109
13Ford Maverick$1,316$110
14Honda HR-V$1,318$110
15Acura RDX$1,320$110
16Chevrolet Colorado$1,320$110
17Hyundai Kona$1,330$111
18Subaru Forester$1,336$111
19Ford Edge$1,342$112
20Honda CR-V$1,344$112
21Ford Explorer$1,348$112
22Mazda CX-30$1,348$112
23Volkswagen Atlas$1,352$113
24Chevrolet Trax$1,360$113
25Nissan Murano$1,360$113
26Subaru Outback$1,364$114
27Nissan Frontier$1,368$114
28Volkswagen Tiguan$1,376$115
29Ford Bronco Sport$1,380$115
30Fiat 500X$1,404$117
31Ford Ranger$1,404$117
32GMC Terrain$1,410$118
33Kia Soul$1,410$118
34Mitsubishi Eclipse Cross$1,414$118
35Volkswagen Atlas Cross Sport$1,416$118
36Lexus RX 350$1,418$118
37Acura Integra$1,422$119
38Chevrolet Equinox$1,424$119
39Cadillac XT4$1,430$119
40Toyota Corolla Cross$1,430$119
41Volkswagen Taos$1,434$120
42GMC Canyon$1,438$120
43Toyota Venza$1,444$120
44Mazda CX-50$1,446$121
45Volkswagen Jetta$1,446$121
46Honda Odyssey$1,448$121
47Hyundai Tucson$1,448$121
48Toyota Tacoma$1,448$121
49Ford Escape$1,450$121
50Kia Sorento$1,454$121
51Volvo XC40$1,456$121
52Nissan Rogue$1,458$122
53Subaru Legacy$1,460$122
54Mazda MX-5 Miata$1,464$122
55Infiniti QX50$1,466$122
56Toyota RAV4$1,468$122
57Hyundai Palisade$1,470$123
58Kia Niro$1,470$123
59Nissan Sentra$1,470$123
60Hyundai Santa Cruz$1,472$123
61Mazda MX-30$1,472$123
62Mini Cooper$1,480$123
63Chevrolet Tahoe$1,484$124
64Lexus UX 250h$1,484$124
65Toyota 4Runner$1,484$124
66Jeep Compass$1,486$124
67Toyota Corolla$1,488$124
68Volkswagen Golf$1,490$124
69Toyota Prius$1,494$125
70Mini Cooper Clubman$1,504$125
71Toyota Camry$1,504$125
72Cadillac XT5$1,506$126
73GMC Acadia$1,508$126
74Chevrolet Traverse$1,512$126
75Mazda 3$1,520$127

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Utah.Data last updated on August 12, 2023
    Top 75 Cheapest Vehicles to Insure in Utah

    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 $1,734 per year and ranges from $1,438 to $3,962 per year for the sample driver risk profiles shown in the chart below.

    The Chevrolet Silverado is considered a full-size truck, and other popular models include the GMC Sierra, Ford F150, Ram Truck, Toyota Tundra, and Nissan Titan.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Chevrolet Silverado Insurance Cost in Utah
    2023 Chevrolet Silverado Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,962$330
    Safe Driver Age 20$3,466$289
    At-fault Accidents Age 40$2,468$206
    Low Deductibles Age 40$2,222$185
    Safe Driver Age 30$1,814$151
    Safe Driver Age 40$1,734$145
    Safe Driver Age 50$1,582$132
    Safe Driver Age 60$1,554$130
    High Deductibles Age 40$1,484$124
    Discount Rate Age 40$1,438$120

    Toyota Corolla insurance rates

    Toyota Corolla car insurance rates in Utah range from $1,234 to $3,350 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,488 per year or $124 per month in Utah.

    The Toyota Corolla belongs to the compact car segment, and other popular models include the Chevrolet Cruze, Honda Civic, Volkswagen Jetta, Hyundai Elantra, and Nissan Sentra.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Toyota Corolla Insurance Cost in Utah
    2023 Toyota Corolla Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,350$279
    Safe Driver Age 20$2,936$245
    At-fault Accidents Age 40$2,092$174
    Low Deductibles Age 40$1,914$160
    Safe Driver Age 30$1,562$130
    Safe Driver Age 40$1,488$124
    Safe Driver Age 50$1,352$113
    Safe Driver Age 60$1,326$111
    High Deductibles Age 40$1,264$105
    Discount Rate Age 40$1,234$103

    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 $1,116 to $3,070 per year for the example driver risk profiles, with average cost being $1,344 per year.

    The Honda CR-V is a compact SUV and other similar models include the Mazda CX-5, Ford Escape, Toyota RAV4, Nissan Rogue, and Chevrolet Equinox.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Honda CR-V Insurance Cost in Utah
    2023 Honda CR-V Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,070$256
    Safe Driver Age 20$2,686$224
    At-fault Accidents Age 40$1,904$159
    Low Deductibles Age 40$1,746$146
    Safe Driver Age 30$1,412$118
    Safe Driver Age 40$1,344$112
    Safe Driver Age 50$1,228$102
    Safe Driver Age 60$1,206$101
    High Deductibles Age 40$1,138$95
    Discount Rate Age 40$1,116$93

    Kia Sorento insurance rates

    Average Kia Sorento insurance rates in Utah as shown in the chart below range from $1,208 to $3,302 per year, with the average cost being $1,454.

    The Kia Sorento is considered a midsize SUV, and other models in this segment include the Toyota Highlander, Jeep Grand Cherokee, Honda Pilot, Ford Explorer, and Ford Edge.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Kia Sorento Insurance Cost in Utah
    2023 Kia Sorento Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,302$275
    Safe Driver Age 20$2,890$241
    At-fault Accidents Age 40$2,046$171
    Low Deductibles Age 40$1,904$159
    Safe Driver Age 30$1,532$128
    Safe Driver Age 40$1,454$121
    Safe Driver Age 50$1,326$111
    Safe Driver Age 60$1,302$109
    High Deductibles Age 40$1,224$102
    Discount Rate Age 40$1,208$101

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in Utah is $1,504 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,250 to $3,412 per year.

    The Toyota Camry is a midsize car and other vehicles in this segment include the Kia K5, Honda Accord, Chevrolet Malibu, Hyundai Sonata, and Nissan Altima.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Toyota Camry Insurance Cost in Utah
    2023 Toyota Camry Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,412$284
    Safe Driver Age 20$2,988$249
    At-fault Accidents Age 40$2,118$177
    Low Deductibles Age 40$1,966$164
    Safe Driver Age 30$1,590$133
    Safe Driver Age 40$1,504$125
    Safe Driver Age 50$1,370$114
    Safe Driver Age 60$1,346$112
    High Deductibles Age 40$1,266$106
    Discount Rate Age 40$1,250$104

    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.