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 |
| 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% |