As many drivers can attest, auto insurance prices tend to increase each year. But there's a lot that goes into pricing auto insurance policies — and not every region experiences the same rate trends.
Location is among the primary rating factors used by insurance companies to set rates. The local area and state in which a vehicle is parked and operated help to determine car insurance rates — a phenomenon that comes down to state law and the differing levels of risk associated with insuring cars in various areas of the country.
Because car insurance pricing is multi-faceted, annual changes in rates diverge by state. Car insurance prices might be on the rise year-over-year in a given state while they fall for drivers across state lines.
See below auto insurance pricing trends in Utah. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's auto insurance comparison engine gathers auto insurance rates based on your individual profile — enter your ZIP below to get started.
Car insurance rate trends in Utah
In Utah, the average annual auto insurance premium increased by $84 from 2017 to 2018. The typical driver in Utah now pays an average premium of $1,209 per year.
The year-over-year trend in Utah points to more expensive auto insurance rates. Between 2015 and 2018, rates increased by an average of $217 each year. At the same time, car insurance prices across the United States have increased in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.
YEARLY INSURANCE RATE TRENDS IN UTAH
|Year||Avg. Annual Premium — Utah||Yearly Change — Utah||Avg. Annual Premium — US||Yearly Change — US|
If your rate trends vary from those above, consider shopping around to find a better deal.
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How are car insurance rates trending in major Utah cities?
Auto insurance policies are priced at a granular geographic level with a number of location-specific variables impacting rates. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For example, Salt Lake City drivers experienced a larger premium increase (6.5%) than did drivers in Orem (6.2%) between 2018 and 2017.
See below annual rates of change in major Utah cities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.
|City||Avg. Rate Increase — 2018 vs. 2017|
|Salt Lake City||6.5%|