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.

Start a Free QuoteCompare Utah car insurance quotes and save on your next policy.

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.

Get Rates in Your AreaWhy is this important?

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 April 14, 2023
Utah Car Insurance Rates for Popular Vehicles
Utah Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$1,212$101
Honda HR-V$1,284$107
Honda CR-V$1,306$109
Chevrolet Equinox$1,390$116
Nissan Rogue$1,422$119
Toyota RAV4$1,428$119
Toyota 4Runner$1,444$120
Toyota Corolla$1,450$121
Toyota Camry$1,466$122
Toyota Highlander$1,542$129
Ford F150$1,570$131
Hyundai Santa Fe$1,586$132
Jeep Grand Cherokee$1,642$137
Chevrolet Silverado$1,688$141
Ram Truck$1,688$141

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.

Get Rates in Your AreaWhy is this important?

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 April 14, 2023
Average Car Insurance Cost in Utah
Average Car Insurance Cost in Utah
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,604$217
$500$3,074$256
$250$3,572$298
30$1,000$1,364$114
$500$1,628$136
$250$1,902$159
40$1,000$1,304$109
$500$1,546$129
$250$1,798$150
50$1,000$1,192$99
$500$1,408$117
$250$1,634$136
60$1,000$1,166$97
$500$1,380$115
$250$1,602$134

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┬áinstead 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.

Get Rates in Your AreaWhy is this important?

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$1,202-$344
Idaho$1,256-$290
Alaska$1,338-$208
Utah$1,546--
Wyoming$1,566$20
Washington$1,596$50
Montana$1,620$74
Oregon$1,648$102
Colorado$1,892$346
Nevada$2,110$564
California$2,134$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 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.

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 April 14, 2023
Utah Car Insurance Rates by Vehicle Segment
Utah Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,406$117
Midsize Pickup$1,458$122
Midsize SUV$1,510$126
Minivan$1,516$126
Compact Car$1,540$128
Midsize Car$1,574$131
Compact Luxury SUV$1,670$139
Half-ton Pickup$1,676$140
Large SUV$1,690$141
Compact Luxury Car$1,702$142
Heavy Duty Pickup$1,774$148
Midsize Luxury SUV$1,794$150
Large Car$1,798$150
Midsize Luxury Car$1,964$164
Sports Car$2,112$176
Large Luxury SUV$2,268$189
Large Luxury Car$2,384$199

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.

Top 75 Cheapest Vehicles to Insure in Utah
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,166$97
2Subaru Crosstrek$1,180$98
3Nissan Kicks$1,182$99
4Honda Passport$1,200$100
5Nissan Rogue Sport$1,204$100
6Mazda CX-5$1,212$101
7Buick Encore$1,230$103
8Buick Envision$1,236$103
9Kia Seltos$1,250$104
10Subaru Ascent$1,254$105
11Hyundai Venue$1,260$105
12Subaru Impreza$1,280$107
13Ford Maverick$1,284$107
14Honda HR-V$1,284$107
15Chevrolet Colorado$1,286$107
16Acura RDX$1,288$107
17Hyundai Kona$1,294$108
18Subaru Forester$1,302$109
19Honda CR-V$1,306$109
20Ford Edge$1,308$109
21Mazda CX-30$1,314$110
22Ford Explorer$1,316$110
23Volkswagen Atlas$1,318$110
24Nissan Murano$1,324$110
25Chevrolet Trax$1,328$111
26Subaru Outback$1,328$111
27Nissan Frontier$1,332$111
28Volkswagen Tiguan$1,340$112
29Ford Bronco Sport$1,342$112
30Fiat 500X$1,370$114
31GMC Terrain$1,370$114
32Ford Ranger$1,372$114
33Kia Soul$1,374$115
34Mitsubishi Eclipse Cross$1,374$115
35Volkswagen Atlas Cross Sport$1,378$115
36Lexus RX 350$1,382$115
37Acura Integra$1,386$116
38Chevrolet Equinox$1,390$116
39Cadillac XT4$1,392$116
40Toyota Corolla Cross$1,394$116
41Volkswagen Taos$1,400$117
42GMC Canyon$1,402$117
43Toyota Venza$1,406$117
44Mazda CX-50$1,408$117
45Honda Odyssey$1,410$118
46Volkswagen Jetta$1,410$118
47Toyota Tacoma$1,412$118
48Hyundai Tucson$1,414$118
49Ford Escape$1,416$118
50Kia Sorento$1,416$118
51Volvo XC40$1,420$118
52Nissan Rogue$1,422$119
53Subaru Legacy$1,422$119
54Mazda MX-5 Miata$1,426$119
55Mazda MX-30$1,428$119
56Toyota RAV4$1,428$119
57Infiniti QX50$1,430$119
58Hyundai Palisade$1,432$119
59Kia Niro$1,434$120
60Nissan Sentra$1,434$120
61Hyundai Santa Cruz$1,438$120
62Lexus UX 250h$1,442$120
63Mini Cooper$1,442$120
64Toyota 4Runner$1,444$120
65Chevrolet Tahoe$1,446$121
66Jeep Compass$1,450$121
67Toyota Corolla$1,450$121
68Toyota Prius$1,454$121
69Volkswagen Golf$1,454$121
70Cadillac XT5$1,466$122
71Mini Cooper Clubman$1,466$122
72Toyota Camry$1,466$122
73GMC Acadia$1,474$123
74Chevrolet Traverse$1,476$123
75Mazda 3$1,482$124

    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 April 14, 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 $1,688 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.

    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 April 14, 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$3,862$322
    Safe Driver Age 20$3,380$282
    At-fault Accidents Age 40$2,404$200
    Low Deductibles Age 40$2,162$180
    Safe Driver Age 30$1,770$148
    Safe Driver Age 40$1,688$141
    Safe Driver Age 50$1,542$129
    Safe Driver Age 60$1,512$126
    High Deductibles Age 40$1,446$121
    Discount Rate Age 40$1,400$117

    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.

    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 April 14, 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$3,270$273
    Safe Driver Age 20$2,866$239
    At-fault Accidents Age 40$2,042$170
    Low Deductibles Age 40$1,868$156
    Safe Driver Age 30$1,522$127
    Safe Driver Age 40$1,450$121
    Safe Driver Age 50$1,320$110
    Safe Driver Age 60$1,294$108
    High Deductibles Age 40$1,234$103
    Discount Rate Age 40$1,204$100

    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.

    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 April 14, 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$2,994$250
    Safe Driver Age 20$2,618$218
    At-fault Accidents Age 40$1,852$154
    Low Deductibles Age 40$1,700$142
    Safe Driver Age 30$1,378$115
    Safe Driver Age 40$1,306$109
    Safe Driver Age 50$1,196$100
    Safe Driver Age 60$1,174$98
    High Deductibles Age 40$1,106$92
    Discount Rate Age 40$1,088$91

    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.

    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 April 14, 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$3,220$268
    Safe Driver Age 20$2,818$235
    At-fault Accidents Age 40$1,996$166
    Low Deductibles Age 40$1,854$155
    Safe Driver Age 30$1,496$125
    Safe Driver Age 40$1,416$118
    Safe Driver Age 50$1,290$108
    Safe Driver Age 60$1,268$106
    High Deductibles Age 40$1,190$99
    Discount Rate Age 40$1,176$98

    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.

    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 April 14, 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$3,326$277
    Safe Driver Age 20$2,916$243
    At-fault Accidents Age 40$2,066$172
    Low Deductibles Age 40$1,918$160
    Safe Driver Age 30$1,548$129
    Safe Driver Age 40$1,466$122
    Safe Driver Age 50$1,336$111
    Safe Driver Age 60$1,312$109
    High Deductibles Age 40$1,234$103
    Discount Rate Age 40$1,218$102

    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.