Utah Car Insurance Cost for 2021

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 $1,240 per year, which is 18.6% less than the overall national average rate of $1,523 per year. Car insurance cost per month in Utah averages $103 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 2021 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.
Utah Car Insurance Rates for Popular Vehicles
Utah Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$934$78
Mazda CX-5$1,000$83
Toyota Corolla$1,076$90
Nissan Rogue$1,118$93
Chevrolet Equinox$1,122$94
Honda HR-V$1,170$98
Ford F150$1,182$99
Toyota 4Runner$1,182$99
Toyota RAV4$1,194$100
Toyota Highlander$1,238$103
Toyota Camry$1,240$103
Chevrolet Silverado$1,292$108
Hyundai Santa Fe$1,292$108
Ram Truck$1,348$112
Jeep Grand Cherokee$1,356$113

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 2021 models, including luxury brands.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Utah car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Utah zip codes.
Average Car Insurance Cost in Utah
Average Car Insurance Cost in Utah
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,090$174
$500$2,466$206
$250$2,860$238
30$1,000$1,096$91
$500$1,304$109
$250$1,524$127
40$1,000$1,048$87
$500$1,240$103
$250$1,440$120
50$1,000$958$80
$500$1,130$94
$250$1,308$109
60$1,000$940$78
$500$1,108$92
$250$1,284$107

Auto insurance rates in the chart above range from $940 per year for a 60-year-old driver with $1,000 deductibles to $2,860 per year for a 20-year-old driver with $250 deductibles. As a monthly cost, prices above range from $78 to $238 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 $3,120 per year for a 19-year-old female driver up to $4,448 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 $388 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 $66 per year and just being a homeowner could save $18 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 $268 each year on car insurance.
  • Having an at-fault accident could cause your rates to increase by as much as $508 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 $328 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 $1,138 more per year.
  • Bundling your car and homeowners insurance with the same company could save an average of $162 per year.

Is Utah car insurance more expensive than other states?

When compared to states that share a border, Utah car insurance rates are 23.5% less than Colorado, 8.1% less than Wyoming, 22% more than Idaho, 27% less than Nevada, 9.5% less than Arizona, and 5.6% less than New Mexico.

The chart below shows how average car insurance rates in Utah compare to other West region U.S. states. Utah ranks #5 out of the 11 states in the West region for cheapest car insurance cost. Idaho, Alaska, Washington, and Hawaii have cheaper rates than Utah, while Oregon, Wyoming, Montana, Colorado, California, and Nevada have more expensive rates.

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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
Idaho$1,016-$224
Alaska$1,192-$48
Washington$1,196-$44
Hawaii$1,204-$36
Utah$1,240--
Oregon$1,342$102
Wyoming$1,350$110
Montana$1,392$152
Colorado$1,620$380
California$1,676$436
Nevada$1,698$458

Since Utah ranks 17th overall out of all 50 U.S. states for car insurance affordability, it compares 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 26% cheaper than California
  • 6.2% more expensive than North Dakota
  • 26.3% cheaper than New York
  • 39.4% cheaper than Florida
  • 15.8% cheaper than Texas.
  • 15% more expensive than Illinois.

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 2021 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.
Utah Car Insurance Rates by Vehicle Segment
Utah Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,116$93
Midsize Truck$1,126$94
Large Van$1,128$94
Midsize Minivan$1,152$96
Midsize SUV$1,206$101
Midsize Van$1,218$102
Small Car$1,244$104
Large Truck$1,258$105
Midsize Car$1,270$106
Large SUV$1,282$107
Small Luxury SUV$1,304$109
Large Car$1,348$112
Heavy Duty Truck$1,396$116
Midsize Luxury SUV$1,398$117
Small Luxury Car$1,442$120
Midsize Luxury Car$1,642$137
Large Luxury SUV$1,674$140
Sports Car$1,812$151
Large Luxury Car$1,914$160
Exotic Car$2,548$212

Which models have cheap car insurance in Utah?

Vehicles with the cheapest car insurance quotes in Utah for their segment include the Subaru Forester at $922 per year, the Volkswagen Golf at $992, the Mazda 6 at $1,152, the Ford Edge at $986, the Toyota Sequoia at $1,228, the Toyota Tacoma at $1,046, and the Ford F150 at $1,182 per year.

For luxury brands, the cheapest luxury car models to insure by segment are the Mercedes-Benz A220 (compact) at $1,216 per year, the Acura ILX (midsize) at $1,160 per year, and the Volvo S90 (full-size) at $1,354 per year. The cheapest luxury SUVs to insure in Utah include the Volvo XC40 (compact) at $1,024 per year, the Volvo V60 (midsize) at $1,172 per year, and the Volvo XC90 (full-size) at $1,192 per year.

The table below ranks the 75 vehicles with the cheapest average car insurance rates in Utah. Vehicles are all from the 2021 model year and include all segments, including luxury models.

Top 75 Cheapest Vehicles to Insure in Utah
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$922$77
2Honda CR-V$934$78
3Ram Promaster City$972$81
4Mazda CX-3$978$82
5Toyota C-HR$984$82
6Ford Edge$986$82
7Kia Sportage$986$82
8Volkswagen Golf$992$83
9Mazda CX-5$1,000$83
10Subaru Crosstrek$1,012$84
11Chevrolet Spark$1,022$85
12Volvo XC40$1,024$85
13Hyundai Venue$1,032$86
14Volkswagen Atlas$1,038$87
15Subaru Impreza$1,042$87
16Hyundai Kona$1,044$87
17Kia Soul$1,044$87
18Toyota Tacoma$1,046$87
19Kia Telluride$1,048$87
20Chevrolet Blazer$1,050$88
21Jeep Compass$1,052$88
22Kia Sedona$1,052$88
23Chevrolet Colorado$1,054$88
24Subaru Outback$1,054$88
25Kia Rio5$1,056$88
26Mazda CX-30$1,056$88
27Honda Passport$1,058$88
28Mitsubishi Eclipse Cross$1,058$88
29Nissan Kicks$1,058$88
30Subaru Ascent$1,058$88
31Ford Escape$1,060$88
32Hyundai Tucson$1,064$89
33Nissan Frontier$1,068$89
34Acura RDX$1,072$89
35Honda Pilot$1,072$89
36Volkswagen Tiguan$1,072$89
37Toyota Corolla$1,076$90
38Ford Ecosport$1,078$90
39Buick Envision$1,084$90
40Kia Seltos$1,088$91
41Nissan Rogue Sport$1,096$91
42Chevrolet Trax$1,100$92
43Chevrolet Trailblazer$1,104$92
44Cadillac XT4$1,106$92
45Buick Encore$1,112$93
46Chevrolet Express$1,114$93
47Jeep Renegade$1,118$93
48Nissan Rogue$1,118$93
49Chevrolet Equinox$1,122$94
50Nissan Murano$1,122$94
51Nissan NV$1,122$94
52Ford Transit Connect$1,130$94
53Chrysler Pacifica$1,134$95
54Fiat 500X$1,136$95
55Mazda MX-5 Miata$1,138$95
56GMC Savana$1,142$95
57Ford Ranger$1,150$96
58Hyundai Palisade$1,150$96
59Mazda 6$1,152$96
60GMC Terrain$1,156$96
61Honda Insight$1,158$97
62Jeep Gladiator$1,158$97
63Acura ILX$1,160$97
64Honda Civic$1,162$97
65Subaru Legacy$1,164$97
66Honda HR-V$1,170$98
67Volvo V60$1,172$98
68Acura MDX$1,176$98
69Cadillac XT5$1,176$98
70Ford F150$1,182$99
71Kia Rio$1,182$99
72Toyota 4Runner$1,182$99
73Mazda 3$1,184$99
74Ram Promaster$1,184$99
75Lexus NX 300$1,188$99

    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.
    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 $1,292 per year and ranges from $1,070 to $2,938 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 2021 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.
    Chevrolet Silverado Insurance Cost in Utah
    Chevrolet Silverado Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,938$245
    Safe Driver Age 20$2,572$214
    At-fault Accidents Age 40$1,832$153
    Low Deductibles Age 40$1,658$138
    Safe Driver Age 30$1,356$113
    Safe Driver Age 40$1,292$108
    Safe Driver Age 50$1,178$98
    Safe Driver Age 60$1,156$96
    High Deductibles Age 40$1,102$92
    Discount Rate Age 40$1,070$89

    Toyota Corolla insurance rates

    Toyota Corolla car insurance rates in Utah range from $894 to $2,434 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,076 per year or $90 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 2021 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.
    Toyota Corolla Insurance Cost in Utah
    Toyota Corolla Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,434$203
    Safe Driver Age 20$2,136$178
    At-fault Accidents Age 40$1,516$126
    Low Deductibles Age 40$1,394$116
    Safe Driver Age 30$1,132$94
    Safe Driver Age 40$1,076$90
    Safe Driver Age 50$980$82
    Safe Driver Age 60$964$80
    High Deductibles Age 40$912$76
    Discount Rate Age 40$894$75

    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 $778 to $2,100 per year for the example driver risk profiles, with average cost being $934 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 2021 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.
    Honda CR-V Insurance Cost in Utah
    Honda CR-V Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,100$175
    Safe Driver Age 20$1,840$153
    At-fault Accidents Age 40$1,308$109
    Low Deductibles Age 40$1,216$101
    Safe Driver Age 30$986$82
    Safe Driver Age 40$934$78
    Safe Driver Age 50$852$71
    Safe Driver Age 60$836$70
    High Deductibles Age 40$790$66
    Discount Rate Age 40$778$65

    Kia Sorento insurance rates

    Average Kia Sorento insurance rates in Utah as shown in the chart below range from $994 to $2,718 per year, with the average cost being $1,198.

    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 2021 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.
    Kia Sorento Insurance Cost in Utah
    Kia Sorento Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,718$227
    Safe Driver Age 20$2,382$199
    At-fault Accidents Age 40$1,696$141
    Low Deductibles Age 40$1,544$129
    Safe Driver Age 30$1,256$105
    Safe Driver Age 40$1,198$100
    Safe Driver Age 50$1,090$91
    Safe Driver Age 60$1,072$89
    High Deductibles Age 40$1,020$85
    Discount Rate Age 40$994$83

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in Utah is $1,240 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,032 to $2,814 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 2021 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.
    Toyota Camry Insurance Cost in Utah
    Toyota Camry Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,814$235
    Safe Driver Age 20$2,464$205
    At-fault Accidents Age 40$1,748$146
    Low Deductibles Age 40$1,622$135
    Safe Driver Age 30$1,310$109
    Safe Driver Age 40$1,240$103
    Safe Driver Age 50$1,128$94
    Safe Driver Age 60$1,110$93
    High Deductibles Age 40$1,044$87
    Discount Rate Age 40$1,032$86

    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.