What's the Average Cost of Car Insurance in Utah?

The Zebra
Oct. 11, 2018

Car insurance policies are affordable in Utah. The average auto insurance cost in Utah is $1,112 per year — 22.1% less than the national average.

But car insurance rates are affected by factors other than location. Auto insurance premiums price based on an array of details, including your age, gender, marital status, credit, and driving history.

We analyzed average Utah auto insurance rates by each of the major pricing qualifications. Read on to see how much car insurance costs in your state — or enter your zip code to view tailored quotes from popular car insurers.


Average Car Insurance Expenditure in Utah by Age Bracket

It's impossible to avoid: as you get older, your auto insurance expenditures change. Generally speaking, auto insurance is pricier for young drivers, as car insurers see inexperienced motorists as less responsible.

In Utah, auto insurance runs $5,806 each year for a 16-year-old motorist, and only $992 yearly for a client aged from 50 to 60.


UTAH CAR INSURANCE PRICES BY AGE
Age Average Yearly Rate
16 $5,806.10
17 $5,009.45
18 $4,378.51
19 $2,672.22
20s $1,524.26
30s $1,076.56
40s $1,058.46
50s $991.52
60s $1,019.67
70s $1,238.02



Average Car Insurance Costs in Utah by Gender

While gender doesn’t make as significant an impact on car insurance premiums as a driver's location or age, it is used as a rating factor. Men pay less than do women for auto insurance in Utah, but the disparity is only $50.27 annually.

UTAH CAR INSURANCE RATES FOR MEN AND WOMEN
Gender Average Annual Premium
Male $1,091.62
Female $1,141.89



Average Auto Insurance Rates in Utah by Marital Status

A benefit of wedlock — in addition to the wedding gifts — is the better deal you typically receive on auto insurance. In Utah, married drivers save $55 annually on car insurance policies. This is less than the national post-wedding price break of $76.


UTAH CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,091.62
Married $1,037.06
Divorced $1,091.62
Widowed $1,086.31



Average Auto Insurance Costs in Utah by Credit Score

Auto insurance companies use credit history to get an idea of how responsible a customer will be. Historical data demonstrate motorists who hold good credit are usually more dependable auto insurance customers: they're less likely to file claims for which insurance companies end up on the hook.

In Utah, a car insurance client who maintains excellent credit can save $1,342.48 per year on auto insurance, compared to a driver who has a poor credit rating. Read more about how credit history can impact auto insurance rates:


UTAH AUTO INSURANCE COSTS BY CREDIT
Credit Quality Average Yearly Premium
Very Poor (300-579) $2,260.47
Fair (580-669) $1,801.62
Good (670-739) $1,423.92
Very Good (740-799) $1,155.19
Exceptional (800-850) $917.99



Median Auto Insurance Costs for Bad Drivers in Utah

If you’re found at fault in a crash or found guilty of a vehicular violation, your car insurance rates are bound to rise. The more offenses you accumulate, the more costly your car insurance gets.

In Utah, your first minor at-fault incident costs $437.00 per year in auto insurance premiums. A DUI — considered among the most serious driving infractions — can grow your yearly insurance rates in Utah by as much as $410.72.


UTAH CAR INSURANCE RATES WITH VIOLATIONS
Age Average Annual Rate
DUI/DWI $1,522.40
Reckless Driving $1,456.80
At-Fault Accident (<$1,000) $1,548.68
At-Fault Accident ($1,000-$2,000) $1,580.74
At-Fault Accident (>$2,000) $1,548.68
Open Container $1,457.30
Speeding (21-25 MPH > limit) $1,353.10
Speeding (16-20 MPH > limit) $1,293.92

If your policy is more costly than the state average, it's worth weighing rates to find inexpensive coverage that meets your requirements.


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