Utah Car Insurance Cost for 2022

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 $1,258 per year, which is 19.7% less than the overall national average rate of $1,567 per year. Car insurance cost per month in Utah averages $105 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 2022 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 19, 2022
Utah Car Insurance Rates for Popular Vehicles
Utah Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$956$80
Honda CR-V$1,102$92
Honda HR-V$1,130$94
Chevrolet Equinox$1,176$98
Toyota RAV4$1,190$99
Ford F150$1,218$102
Toyota 4Runner$1,228$102
Nissan Rogue$1,232$103
Toyota Corolla$1,236$103
Toyota Camry$1,238$103
Toyota Highlander$1,266$106
Hyundai Santa Fe$1,312$109
Chevrolet Silverado$1,354$113
Jeep Grand Cherokee$1,388$116
Ram Truck$1,438$120

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 2022 models, including luxury brands.

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Chart Data Details: Chart shows average Utah car insurance rates for 2022 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 19, 2022
Average Car Insurance Cost in Utah
Average Car Insurance Cost in Utah
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,118$177
$500$2,496$208
$250$2,894$241
30$1,000$1,112$93
$500$1,322$110
$250$1,544$129
40$1,000$1,064$89
$500$1,258$105
$250$1,460$122
50$1,000$972$81
$500$1,146$96
$250$1,326$111
60$1,000$954$80
$500$1,124$94
$250$1,302$109

Auto insurance rates in the chart above range from $954 per year for a 60-year-old driver with $1,000 deductibles to $2,894 per year for a 20-year-old driver with $250 deductibles. As a monthly cost, prices above range from $80 to $241 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 $3,162 per year for a 19-year-old female driver up to $4,506 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 $392 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 $16 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 $430 each year on car insurance.
  • Having an at-fault accident could cause your rates to increase by as much as $516 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 $1,150 more per year.
  • Bundling your car and homeowners insurance with the same company could save an average of $160 per year.

Is Utah car insurance more expensive than other states?

When compared to states that share a border, Utah car insurance rates are 22.6% less than Colorado, 10.1% less than Wyoming, 4.7% more than Idaho, 24.8% less than Nevada, 7.2% less than Arizona, and 3.5% 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 #4 out of the 11 states in the West region for cheapest car insurance cost. Idaho, Washington, and Hawaii have cheaper rates than Utah, while Oregon, Alaska, 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
Hawaii$1,034-$224
Washington$1,158-$100
Idaho$1,202-$56
Utah$1,258--
Oregon$1,276$18
Alaska$1,338$80
Wyoming$1,400$142
Montana$1,484$226
Colorado$1,626$368
Nevada$1,672$414
California$1,744$486

Since Utah ranks 18th 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 27.9% cheaper than California
  • 0.8% more expensive than North Dakota
  • 22.3% cheaper than New York
  • 43.5% cheaper than Florida
  • 12.4% cheaper than Texas.
  • 2.1% 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 2022 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 19, 2022
Utah Car Insurance Rates by Vehicle Segment
Utah Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,174$98
Midsize Pickup$1,208$101
Minivan$1,266$106
Midsize SUV$1,272$106
Compact Car$1,294$108
Midsize Car$1,312$109
Half-ton Pickup$1,366$114
Compact Luxury SUV$1,412$118
Large SUV$1,420$118
Compact Luxury Car$1,428$119
Large Car$1,456$121
Heavy Duty Pickup$1,500$125
Midsize Luxury SUV$1,522$127
Midsize Luxury Car$1,666$139
Sports Car$1,776$148
Large Luxury SUV$1,900$158
Large Luxury Car$1,986$166

Which models have cheap car insurance in Utah?

Vehicles with the cheapest car insurance quotes in Utah for their segment include the Mazda CX-5 at $956 per year, the Subaru Impreza at $1,092 per year, the Subaru Legacy at $1,220 per year, and the Honda Passport at $1,012 per year.

Additional segment-leading insurance rates include the Toyota Avalon at $1,320 per year, the Chevrolet Tahoe at $1,264 per year, the Chevrolet Colorado at $1,034 per year, and the Ford F150 at $1,218 per year.

For luxury brands, the cheapest insurance rates in Utah can be found on the Mercedes-Benz A220 at $1,238 per year, the Acura RDX at $1,078 per year, the Acura ILX at $1,160 per year, the Cadillac XT5 at $1,238 per year, the Audi A5 at $1,478 per year, and the Volvo XC90 at $1,362 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
1Mazda CX-5$956$80
2Nissan Kicks$982$82
3Chevrolet Trailblazer$988$82
4Subaru Crosstrek$1,010$84
5Honda Passport$1,012$84
6Chevrolet Colorado$1,034$86
7Toyota C-HR$1,036$86
8Buick Encore$1,040$87
9Nissan Rogue Sport$1,050$88
10Hyundai Venue$1,068$89
11Buick Envision$1,070$89
12Kia Seltos$1,072$89
13Acura RDX$1,078$90
14Ford Maverick$1,078$90
15Subaru Ascent$1,080$90
16Toyota Corolla Cross$1,082$90
17Hyundai Kona$1,088$91
18Subaru Forester$1,088$91
19Mazda MX-5 Miata$1,090$91
20Subaru Impreza$1,092$91
21Volkswagen Tiguan$1,092$91
22Chevrolet Spark$1,096$91
23Honda CR-V$1,102$92
24Cadillac XT4$1,104$92
25Mazda CX-30$1,112$93
26Ford Ranger$1,118$93
27Honda HR-V$1,130$94
28Ford Edge$1,134$95
29Ford Ecosport$1,142$95
30Chevrolet Trax$1,152$96
31Subaru Outback$1,154$96
32Acura ILX$1,160$97
33GMC Terrain$1,160$97
34Mitsubishi Eclipse Cross$1,162$97
35Toyota Tacoma$1,168$97
36Hyundai Tucson$1,170$98
37Nissan Murano$1,170$98
38Chevrolet Bolt$1,172$98
39Honda Odyssey$1,174$98
40Chevrolet Equinox$1,176$98
41Toyota Venza$1,176$98
42Volkswagen Taos$1,180$98
43Ford Explorer$1,182$99
44Fiat 500X$1,184$99
45Kia Soul$1,190$99
46Toyota RAV4$1,190$99
47Kia Sorento$1,192$99
48Nissan Frontier$1,200$100
49Hyundai Palisade$1,206$101
50Volkswagen Golf$1,208$101
51Hyundai Santa Cruz$1,210$101
52Volvo XC40$1,210$101
53GMC Canyon$1,212$101
54Mazda MX-30$1,214$101
55Volkswagen Atlas$1,214$101
56Ford F150$1,218$102
57Jeep Compass$1,218$102
58Subaru Legacy$1,220$102
59Kia Niro$1,222$102
60Volkswagen Jetta$1,222$102
61Honda Insight$1,224$102
62Honda Ridgeline$1,226$102
63Nissan Sentra$1,226$102
64Toyota 4Runner$1,228$102
65Nissan Rogue$1,232$103
66Toyota Corolla$1,236$103
67Cadillac XT5$1,238$103
68Ford Escape$1,238$103
69Jeep Gladiator$1,238$103
70Kia K5$1,238$103
71Mercedes-Benz A220$1,238$103
72Toyota Camry$1,238$103
73Kia Rio$1,242$104
74Volkswagen Passat$1,244$104
75Honda Civic$1,246$104

    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 19, 2022
    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 $1,354 per year and ranges from $1,118 to $3,096 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 2022 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 19, 2022
    Chevrolet Silverado Insurance Cost in Utah
    Chevrolet Silverado Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,096$258
    Safe Driver Age 20$2,708$226
    At-fault Accidents Age 40$1,924$160
    Low Deductibles Age 40$1,746$146
    Safe Driver Age 30$1,422$119
    Safe Driver Age 40$1,354$113
    Safe Driver Age 50$1,234$103
    Safe Driver Age 60$1,212$101
    High Deductibles Age 40$1,152$96
    Discount Rate Age 40$1,118$93

    Toyota Corolla insurance rates

    Toyota Corolla car insurance rates in Utah range from $1,026 to $2,770 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,236 per year or $103 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 2022 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 19, 2022
    Toyota Corolla Insurance Cost in Utah
    Toyota Corolla Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,770$231
    Safe Driver Age 20$2,428$202
    At-fault Accidents Age 40$1,752$146
    Low Deductibles Age 40$1,534$128
    Safe Driver Age 30$1,284$107
    Safe Driver Age 40$1,236$103
    Safe Driver Age 50$1,126$94
    Safe Driver Age 60$1,104$92
    High Deductibles Age 40$1,080$90
    Discount Rate Age 40$1,026$86

    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 $918 to $2,510 per year for the example driver risk profiles, with average cost being $1,102 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 2022 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 19, 2022
    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$2,510$209
    Safe Driver Age 20$2,198$183
    At-fault Accidents Age 40$1,558$130
    Low Deductibles Age 40$1,432$119
    Safe Driver Age 30$1,160$97
    Safe Driver Age 40$1,102$92
    Safe Driver Age 50$1,004$84
    Safe Driver Age 60$988$82
    High Deductibles Age 40$934$78
    Discount Rate Age 40$918$77

    Kia Sorento insurance rates

    Average Kia Sorento insurance rates in Utah as shown in the chart below range from $990 to $2,706 per year, with the average cost being $1,192.

    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 2022 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 19, 2022
    Kia Sorento Insurance Cost in Utah
    Kia Sorento Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,706$226
    Safe Driver Age 20$2,370$198
    At-fault Accidents Age 40$1,678$140
    Low Deductibles Age 40$1,560$130
    Safe Driver Age 30$1,258$105
    Safe Driver Age 40$1,192$99
    Safe Driver Age 50$1,086$91
    Safe Driver Age 60$1,068$89
    High Deductibles Age 40$1,004$84
    Discount Rate Age 40$990$83

    Toyota Camry insurance rates

    The average cost for Toyota Camry insurance in Utah is $1,238 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,028 to $2,800 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 2022 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 19, 2022
    Toyota Camry Insurance Cost in Utah
    Toyota Camry Insurance Cost in Utah
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,800$233
    Safe Driver Age 20$2,454$205
    At-fault Accidents Age 40$1,740$145
    Low Deductibles Age 40$1,620$135
    Safe Driver Age 30$1,306$109
    Safe Driver Age 40$1,238$103
    Safe Driver Age 50$1,128$94
    Safe Driver Age 60$1,106$92
    High Deductibles Age 40$1,042$87
    Discount Rate Age 40$1,028$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.