Are Car Insurance Rates Rising in Utah?

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
YearAvg. Annual Premium — UtahYearly Change — UtahAvg. Annual Premium — USYearly Change — US
2018$1,209$84$1,470$32
2017$1,125$140$1,437$69
2016$985-$7$1,368$88
2015$992$91$1,280$51
2014$901$105$1,229$34
2013$796-$19$1,195-$80
2012$815-$49$1,276$82

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.


CityAvg. Rate Increase — 2018 vs. 2017
Salt Lake City6.5%
Orem6.2%
Millcreek6.0%
Provo5.8%
Ogden5.4%

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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.