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.

Year Avg. Annual Premium — Utah Yearly Change — Utah Avg. Annual Premium — US Yearly 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.

City Avg. Rate Increase — 2018 vs. 2017
Salt Lake City 6.5%
Orem 6.2%
Millcreek 6.0%
Provo 5.8%
Ogden 5.4%

Compare policies today!

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Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver