Written by
Edited by
Amelia Buckley
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines licens. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Edited by
Amelia Buckley
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines licens. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Updated Sep 01, 2024Utah drivers pay an average of $2,078 per year for full coverage and $778 for minimum coverage, per Bankrate’s research.
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How much is car insurance in Utah? Utah car insurance rates by city Average car insurance costs by age and gender in Utah How does driving record impact the cost of car insurance in Utah? Car insurance rates in Utah by credit score Utah car insurance rates by vehicle type Estimate your car insurance cost in Utah How to save on car insurance in Utah Frequently asked questions Methodology
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On This Page Jump toTo find out how much car insurance costs in Utah, Bankrate’s team of insurance experts analyzed data from Quadrant Information Services. On average, drivers in the Beehive State pay $778 per year for minimum coverage car insurance and $2,078 for full coverage. For comparison, the average cost of car insurance in the United States is $639 per year for a minimum coverage policy and $2,348 for full coverage.
Utah’s car insurance rates reflect the risk factors at play in the state, as well as efforts of insurance regulators to enforce fair pricing for consumers. Compared to other states, Utah’s average rates for both full and minimum coverage are fairly affordable — but keep in mind that these numbers are averages and might not reflect your own costs. Every driver in Utah receives different premiums calculated based on personal factors like age, driving record, credit history and more.
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Learn more about the various factors that can affect costs.
Utah car insurance rates are not standardized across the entire state. The city you live in and your ZIP code play a role in determining your rate. Insurers look at statistical data related to accident rates and property crime in a given ZIP code to understand the risk levels associated with car ownership there. If your area has a lot of dense traffic, a high rate of vehicle theft or other key risk factors, you could pay a higher rate for car insurance. The table below includes the average cost of car insurance in 10 Utah cities and how rates differ from the statewide average premium.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Summit | $159 | $1,904 | -9% |
| Altamont | $170 | $2,037 | -2% |
| Bluebell | $169 | $2,031 | -2% |
| Layton | $166 | $1,987 | -4% |
| Salt Lake City | $186 | $2,229 | +7% |
| Honeyville | $164 | $1,972 | -5% |
| Howell | $166 | $1,989 | -4% |
| Willard | $164 | $1,969 | -5% |
| Castle Dale | $160 | $1,926 | -8% |
| Kenilworth | $161 | $1,936 | -7% |
| Lake Powell | $162 | $1,948 | -6% |
| Provo | $174 | $2,093 | +1% |
| Elberta | $168 | $2,020 | -3% |
| Ephraim | $168 | $2,020 | -3% |
| Stockton | $168 | $2,022 | -3% |
| Woods Cross | $165 | $1,975 | -5% |
| Sandy | $175 | $2,106 | +1% |
| Eagle Mountain | $175 | $2,099 | +1% |
| Manila | $169 | $2,033 | -2% |
| Cedar Valley | $173 | $2,071 | -0% |
| Henefer | $171 | $2,054 | -1% |
| Altonah | $169 | $2,023 | -3% |
| Clearfield | $167 | $2,000 | -4% |
| Magna | $190 | $2,275 | +9% |
| Saratoga Springs | $174 | $2,089 | +1% |
| Alpine | $178 | $2,135 | +3% |
| Croydon | $169 | $2,029 | -2% |
| Echo | $170 | $2,044 | -2% |
| Ibapah | $169 | $2,023 | -3% |
| American Fork | $173 | $2,082 | +0% |
| Centerville | $163 | $1,958 | -6% |
| Grantsville | $163 | $1,958 | -6% |
| Kaysville | $164 | $1,971 | -5% |
| Lehi | $174 | $2,085 | +0% |
| Oakley | $174 | $2,086 | +0% |
| Pleasant Grove | $177 | $2,121 | +2% |
| Roy | $168 | $2,015 | -3% |
| Tooele | $166 | $1,996 | -4% |
| Tridell | $168 | $2,016 | -3% |
| West Jordan | $183 | $2,193 | +5% |
| Woodruff | $168 | $2,013 | -3% |
| Park City | $167 | $2,000 | -4% |
| Bear River City | $167 | $2,003 | -4% |
| Corinne | $165 | $1,984 | -5% |
| Plymouth | $166 | $1,986 | -5% |
| Providence | $156 | $1,874 | -10% |
| Blanding | $163 | $1,959 | -6% |
| East Carbon | $162 | $1,941 | -7% |
| Ferron | $162 | $1,946 | -7% |
| Draper | $175 | $2,100 | +1% |
| Farmington | $163 | $1,952 | -6% |
| Lapoint | $167 | $2,006 | -4% |
| Midway | $171 | $2,056 | -1% |
| Mountain Home | $171 | $2,057 | -1% |
| Peoa | $171 | $2,048 | -1% |
| Midvale | $179 | $2,152 | +3% |
| Morgan | $170 | $2,035 | -2% |
| Randlett | $170 | $2,037 | -2% |
| Vernal | $166 | $1,988 | -4% |
| South Jordan | $177 | $2,123 | +2% |
| Orem | $177 | $2,125 | +2% |
| Rush Valley | $166 | $1,994 | -4% |
| Herriman | $173 | $2,075 | -0% |
| Salem | $169 | $2,025 | -3% |
| Salina | $160 | $1,919 | -8% |
| Scipio | $168 | $2,015 | -3% |
| Cedar City | $154 | $1,850 | -12% |
| Central | $162 | $1,947 | -7% |
| Glendale | $162 | $1,941 | -7% |
| Ivins | $155 | $1,865 | -11% |
| Kanab | $159 | $1,910 | -8% |
| Koosharem | $161 | $1,928 | -8% |
| Hill Afb | $166 | $1,997 | -4% |
| Talmage | $171 | $2,046 | -2% |
| Wallsburg | $175 | $2,096 | +1% |
| Beryl | $160 | $1,921 | -8% |
| Boulder | $162 | $1,941 | -7% |
| Garrison | $163 | $1,959 | -6% |
| Junction | $165 | $1,974 | -5% |
| Orderville | $165 | $1,978 | -5% |
| North Salt Lake | $170 | $2,042 | -2% |
| Myton | $171 | $2,055 | -1% |
| Neola | $170 | $2,036 | -2% |
| Randolph | $169 | $2,032 | -2% |
| Bonanza | $168 | $2,018 | -3% |
| Duchesne | $172 | $2,067 | -1% |
| Jensen | $169 | $2,022 | -3% |
| Kamas | $172 | $2,062 | -1% |
| Bingham Canyon | $174 | $2,089 | +1% |
| Bountiful | $165 | $1,983 | -5% |
| Dugway | $165 | $1,983 | -5% |
| Dutch John | $169 | $2,026 | -3% |
| Fruitland | $172 | $2,061 | -1% |
| Roosevelt | $167 | $2,002 | -4% |
| Tabiona | $172 | $2,063 | -1% |
| Whiterocks | $169 | $2,032 | -2% |
| Dammeron Valley | $162 | $1,938 | -7% |
| Saint George | $156 | $1,876 | -10% |
| Ogden | $170 | $2,040 | -2% |
| Smithfield | $159 | $1,913 | -8% |
| Elmo | $161 | $1,938 | -7% |
| Green River | $159 | $1,902 | -9% |
| Monticello | $164 | $1,971 | -5% |
| Washington | $156 | $1,870 | -11% |
| Virgin | $160 | $1,916 | -8% |
| Axtell | $164 | $1,962 | -6% |
| Beaver | $161 | $1,934 | -7% |
| Holden | $159 | $1,909 | -9% |
| Kanosh | $160 | $1,919 | -8% |
| Leamington | $161 | $1,929 | -7% |
| Nephi | $164 | $1,968 | -5% |
| Spring City | $169 | $2,033 | -2% |
| Alton | $162 | $1,944 | -7% |
| Glenwood | $159 | $1,903 | -9% |
| Kingston | $164 | $1,972 | -5% |
| Hurricane | $153 | $1,840 | -12% |
| Milford | $165 | $1,982 | -5% |
| Modena | $160 | $1,917 | -8% |
| Newcastle | $162 | $1,938 | -7% |
| Parowan | $159 | $1,902 | -9% |
| Leeds | $159 | $1,907 | -9% |
| Monroe | $158 | $1,899 | -9% |
| Panguitch | $167 | $2,006 | -4% |
| Duck Creek Village | $161 | $1,931 | -7% |
| Rockville | $160 | $1,924 | -8% |
| Bryce | $162 | $1,948 | -6% |
| Delta | $159 | $1,906 | -9% |
| Levan | $166 | $1,994 | -4% |
| Meadow | $159 | $1,913 | -8% |
| Sigurd | $161 | $1,931 | -7% |
| Circleville | $165 | $1,977 | -5% |
| Hanksville | $162 | $1,950 | -6% |
| Mount Carmel | $161 | $1,933 | -7% |
| New Harmony | $159 | $1,909 | -9% |
| Fairview | $173 | $2,082 | +0% |
| Gunnison | $165 | $1,978 | -5% |
| Hinckley | $160 | $1,918 | -8% |
| Lynndyl | $161 | $1,929 | -7% |
| Manti | $169 | $2,029 | -2% |
| Oak City | $159 | $1,908 | -9% |
| Redmond | $160 | $1,917 | -8% |
| Sterling | $168 | $2,017 | -3% |
| Enterprise | $163 | $1,961 | -6% |
| Greenville | $163 | $1,955 | -6% |
| Minersville | $165 | $1,977 | -5% |
| Fort Duchesne | $168 | $2,016 | -3% |
| Heber City | $174 | $2,083 | +0% |
| Laketown | $165 | $1,985 | -5% |
| Cannonville | $163 | $1,960 | -6% |
| Elsinore | $158 | $1,900 | -9% |
| Gunlock | $163 | $1,957 | -6% |
| La Verkin | $159 | $1,910 | -8% |
| Marysvale | $164 | $1,970 | -5% |
| Paragonah | $160 | $1,918 | -8% |
| Deweyville | $165 | $1,982 | -5% |
| Logan | $157 | $1,880 | -10% |
| Park Valley | $170 | $2,040 | -2% |
| Trenton | $160 | $1,924 | -8% |
| Helper | $160 | $1,921 | -8% |
| La Sal | $161 | $1,933 | -7% |
| Fielding | $165 | $1,983 | -5% |
| Garland | $165 | $1,985 | -5% |
| Price | $159 | $1,904 | -9% |
| Cleveland | $161 | $1,935 | -7% |
| Moab | $157 | $1,879 | -10% |
| Hyrum | $160 | $1,921 | -8% |
| Montezuma Creek | $165 | $1,978 | -5% |
| Huntsville | $171 | $2,050 | -1% |
| Lewiston | $164 | $1,967 | -6% |
| Emery | $161 | $1,928 | -8% |
| Pine Valley | $161 | $1,936 | -7% |
| Toquerville | $159 | $1,913 | -8% |
| Coalville | $171 | $2,057 | -1% |
| Hanna | $172 | $2,060 | -1% |
| Vernon | $167 | $2,007 | -3% |
| Wendover | $168 | $2,010 | -3% |
| Aurora | $161 | $1,928 | -8% |
| Fillmore | $159 | $1,912 | -8% |
| Escalante | $169 | $2,026 | -3% |
| Hatch | $162 | $1,947 | -7% |
| Henrieville | $162 | $1,949 | -6% |
| Moroni | $169 | $2,034 | -2% |
| Richfield | $159 | $1,905 | -9% |
| Mount Pleasant | $171 | $2,057 | -1% |
| Springville | $175 | $2,100 | +1% |
| Mapleton | $175 | $2,096 | +1% |
| Annabella | $161 | $1,926 | -8% |
| Antimony | $165 | $1,976 | -5% |
| Brian Head | $158 | $1,902 | -9% |
| Joseph | $159 | $1,914 | -8% |
| Santaquin | $165 | $1,977 | -5% |
| Spanish Fork | $171 | $2,050 | -1% |
| Sevier | $161 | $1,928 | -8% |
| Chester | $167 | $2,009 | -3% |
| Eureka | $167 | $1,999 | -4% |
| Fayette | $165 | $1,982 | -5% |
| Mona | $164 | $1,971 | -5% |
| Payson | $169 | $2,024 | -3% |
| Wales | $167 | $2,000 | -4% |
| Bicknell | $162 | $1,944 | -7% |
| Greenwich | $162 | $1,947 | -7% |
| Kanarraville | $158 | $1,895 | -9% |
| Loa | $166 | $1,995 | -4% |
| Lyman | $162 | $1,950 | -6% |
| Cornish | $161 | $1,937 | -7% |
| Eden | $169 | $2,030 | -2% |
| Hooper | $165 | $1,985 | -5% |
| Hyde Park | $158 | $1,901 | -9% |
| Paradise | $161 | $1,937 | -7% |
| Snowville | $165 | $1,975 | -5% |
| Tremonton | $166 | $1,995 | -4% |
| Wellsville | $159 | $1,911 | -8% |
| Bluff | $166 | $1,987 | -5% |
| Veyo | $163 | $1,952 | -6% |
| Santa Clara | $155 | $1,857 | -11% |
| Springdale | $159 | $1,904 | -9% |
| Teasdale | $162 | $1,949 | -6% |
| Tropic | $162 | $1,945 | -7% |
| Hildale | $162 | $1,942 | -7% |
| Collinston | $164 | $1,974 | -5% |
| Mantua | $164 | $1,965 | -6% |
| Portage | $165 | $1,983 | -5% |
| Aneth | $164 | $1,967 | -6% |
| Monument Valley | $165 | $1,982 | -5% |
| Orangeville | $162 | $1,944 | -7% |
| Wellington | $160 | $1,917 | -8% |
| Huntington | $161 | $1,927 | -8% |
| Mexican Hat | $165 | $1,975 | -5% |
| Thompson | $157 | $1,883 | -10% |
| Richmond | $163 | $1,950 | -6% |
| Brigham City | $163 | $1,951 | -6% |
| Cache Junction | $159 | $1,911 | -8% |
| Clarkston | $163 | $1,955 | -6% |
| Grouse Creek | $166 | $1,989 | -4% |
| Mendon | $159 | $1,910 | -8% |
| Millville | $158 | $1,898 | -9% |
| Newton | $165 | $1,975 | -5% |
| Cisco | $158 | $1,894 | -9% |
| Clawson | $161 | $1,929 | -7% |
| Sunnyside | $162 | $1,945 | -7% |
| Riverton | $171 | $2,048 | -1% |
| Syracuse | $165 | $1,982 | -5% |
| Torrey | $164 | $1,969 | -5% |
| Garden City | $165 | $1,982 | -5% |
| Lindon | $176 | $2,110 | +1% |
| Centerfield | $164 | $1,971 | -5% |
| Fountain Green | $168 | $2,015 | -3% |
| Goshen | $166 | $1,987 | -4% |
| Mayfield | $166 | $1,989 | -4% |
Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
