How Much Does Car Insurance Cost in Utah?

The Zebra
Feb. 8, 2019

Car insurance is typically inexpensive in Utah. The average car insurance cost in Utah is $1,112 per year — less than the national average by 22.1%.

Your auto insurance premiums are affected by more than just your location. Car insurance premiums take into account a number of factors, including one's driving record, credit history, gender, age, and marital status.

We analyzed average Utah car insurance rates by each of the major rating factors. Continue reading to learn how much car insurance runs in your location — or submit your zip to receive unique rates from leading car insurance companies.


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Average Utah car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Costs in Utah by Age Bracket

It's a common phenomenon: as you age, your car insurance premiums shift. Generally speaking, car insurance is more costly for young drivers, as insurers consider inexperienced drivers as less responsible.

In Utah, car insurance costs $5,806 each year for a 16-year-old driver, compared to $992 per annum for a driver in their 50s.


UTAH CAR INSURANCE COSTS BY AGE
AgeAverage Annual 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

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Utah is the 18th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Costs in Utah by Gender

While gender doesn’t have as large an impact on auto insurance prices as location or age, it is incorporated as a rating factor by insurers.


UTAH AUTO INSURANCE RATES FOR MEN AND WOMEN
GenderAverage Yearly Cost
Male$1,091.62
Female$1,141.89

If you're worried you might not be getting the best value for your money with your present auto insurance company, the best option is to do some shopping.




Average Car Insurance Rates in Utah by Marital Status

A benefit of getting hitched — in addition to the wedding gifts — is the lower prices you often get on insurance. In Utah, married drivers save $55 each year on auto insurance. This is a smaller discount than the US post-wedding price break of $76.


UTAH AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,091.62
Married$1,037.06
Divorced$1,091.62
Widowed$1,086.31

Car insurance for divorced drivers in Utah is the 41st most expensive in the US. If you are paying too much for your car insurance policy, don't hesitate to shop around. You never know when you'll find a great deal!




Average Auto Insurance Rates in Utah by Credit History

Auto insurers rely on credit to get an idea of a potential customer's reliability. Historical trends demonstrate motorists with excellent credit are more insurable car insurance customers: they less commonly file claims insurance companies are compelled to cover.

In Utah, a driver who carries excellent credit saves $1,342.48 per year on auto insurance, versus a driver saddled with a bad credit history. Read more about how credit score impacts auto insurance prices:


UTAH AUTO INSURANCE COSTS BY CREDIT QUALITY
Credit LevelAverage Yearly Rate
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

Finding cheap auto insurance with poor credit can be difficult. But we're here to help out. Check out our tips on getting car insurance with bad credit and save!




Average Car Insurance Costs for High-Risk Motorists in Utah

If you've been discovered to be at fault after a car crash or found guilty of a driving infraction, your car insurance rates are going to rise. The more red flags you amass, the more expensive your car insurance policy gets.

In Utah, your first minor at-fault collision will lead to an extra $437.00 per year in car insurance payments. A DWI — one of the most grave driving offenses — could increase your annual insurance expenditure in Utah by as much as $410.72.


UTAH CAR INSURANCE RATES AFTER DRIVING OFFENSES
AgeAverage Yearly Premium
DUI or 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 you're in need of affordable auto insurance, it's worth shopping to get reasonably priced insurance coverage that covers your vehicle appropriately.




Average Auto Insurance Costs by Coverage Amount in Utah

The amount you pay per month for auto insurance is dependent on how much protection you purchase. A liability-only policy normally costs less, while lower-deductible comprehensive coverage usually costs more. In Utah, the price disparity between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $506.


UTAH CAR INSURANCE PRICES BY COVERAGE TIER
Coverage LevelAverage Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$649
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,050
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,155
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$562
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$964
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,069
State Minimum — Liability Only$502
State Minimum — $1,000 Comprehensive/Collision$902
State Minimum — $500 Comprehensive/Collision$1,008

If you're in need of affordable auto insurance, it's worth shopping policies to get reasonably priced insurance coverage that meets your requirements.