- Utah car insurance rates average $1,546 per year for full coverage, or approximately $129 per month.
- When compared to Western U.S. states, Utah ranks fourth overall out of 11 states for cheapest average car insurance cost.
- The cheapest insurance rates in Utah tends to be found on compact SUVs like the Chevrolet Trailblazer, Nissan Rogue Sport, and Mazda CX-5.
How much does car insurance cost in Utah?
The average cost of car insurance in Utah is $1,546 per year, which is 8.6% less expensive than the overall national average rate of $1,685 per year. Car insurance cost per month in Utah averages $129 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.
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.
Auto insurance rates in the chart above range from $1,166 per year for a 60-year-old driver with $1,000 deductibles to $3,572 per year for a 20-year-old driver with $250 deductibles. As a monthly cost, prices above range from $97 to $298 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 $3,892 per year for a 19-year-old female driver up to $5,532 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 $484 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 $82 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 instead of a Jeep Wrangler could save as much as $530 each year on car insurance.
- Having an at-fault accident could cause your rates to increase by as much as $632 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 $408 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 $1,420 more per year.
- Bundling your car and homeowners insurance with the same company could save an average of $202 per year.
Is Utah car insurance more expensive than other states?
When compared to states that share a border, Utah car insurance rates are20.1% less than Colorado, 1.3% less than Wyoming, 20.7% more than Idaho, 30.9% less than Nevada, 4.6% less than Arizona, and 6.4% 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.
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 32% cheaper than California
- 3.2% cheaper than Washington
- 27.6% cheaper than New York
- 34.7% cheaper than Florida
- 5.8% 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.
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 $1,166 per year, the Subaru Impreza at $1,280 per year, the Subaru Legacy at $1,422 per year, and the Honda Passport at $1,200 per year.
Additional segment-leading insurance rates include the Chrysler 300 at $1,504 per year, the Chevrolet Tahoe at $1,446 per year, the Ford Maverick at $1,284 per year, and the Nissan Titan at $1,528 per year.
For luxury brands, the cheapest insurance rates in Utah can be found on the Acura Integra at $1,386 per year, the Acura RDX at $1,288 per year, the Cadillac CT5 at $1,664 per year, the Lexus RX 350 at $1,382 per year, the Audi A5 at $1,734 per year, and the Volvo XC90 at $1,592 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.
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 $1,688 per year and ranges from $1,400 to $3,862 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.
Toyota Corolla insurance rates
Toyota Corolla car insurance rates in Utah range from $1,204 to $3,270 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,450 per year or $121 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.
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 $1,088 to $2,994 per year for the example driver risk profiles, with average cost being $1,306 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.
Kia Sorento insurance rates
Average Kia Sorento insurance rates in Utah as shown in the chart below range from $1,176 to $3,220 per year, with the average cost being $1,416.
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.
Toyota Camry insurance rates
The average cost for Toyota Camry insurance in Utah is $1,466 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,218 to $3,326 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.
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.
- Salt Lake City Car Insurance - $1,662 per year or $139 per month
- West Valley City Car Insurance - $1,704 per year or $142 per month
- Provo Car Insurance - $1,540 per year or $128 per month
- West Jordan Car Insurance - $1,596 per year or $133 per month
- Orem Car Insurance - $1,572 per year or $131 per month
- Sandy Car Insurance - $1,530 per year or $128 per month
- Ogden Car Insurance - $1,480 per year or $123 per month
