Find Cheaper Utah Car Insurance Rates in 2024
Enter your Utah zip code below to view companies that have cheap auto insurance rates.
Projected auto insurance rates in Utah for 2024 are $1,042 annually for full coverage. Comprehensive, collision insurance, and liability insurance cost around $232, $422, and $270, respectively. West Valley City, Kearns, and Taylorsville have more expensive auto insurance rates, and the two most popular companies in Utah are State Farm and Allstate.
Average rate for full coverage: $1,042
Price estimates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Cost of Car Insurance in Utah
For a 40-year-old driver, Utah insurance rates range from as cheap as $318 for your basic liability-only policy to the much higher price of $2,248 for high-risk insurance.
These price differences show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.
Use the form below to get accurate rates for your location.
Enter your Utah zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap Utah Insurance
Chart shows Utah auto insurance prices for various situations. The lowest price with discounts is $599. Utah drivers who use higher $1,000 deductibles will pay about $894. The average price for a driver age 40 with no violations using $500 deductibles is $1,042. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cause an increase to $1,330. Drivers with multiple violations and accidents could be charged around $2,248. The rate for full coverage insurance for a 16-year-old driver can get as high as $3,828.
Auto insurance rates in Utah also range considerably based on your choice of vehicle, your driver profile, and deductibles and policy limits.
The city you live in plays a big part in determining prices for auto insurance rates. Areas with less traffic congestion could see prices as low as $800 a year, while West Valley City and Kearns may see rates upwards of $1,300. Geographically different areas within a few miles of each other in the same city can have a wide range of rates.
These price discrepancies emphasize the importance of getting rates for your specific zip code.
Your choice of vehicle has a significant impact on the price you pay for auto insurance coverage in Utah. Driving a more affordable and lower-performance model will save money on insurance primarily due to lower repair costs and reduced frequency of accidents.
The next table shows insurance cost estimates for the best selling vehicles insured in Utah.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $1,098 | 5.1% |
| Dodge Ram | $1,128 | 7.6% |
| Ford Escape | $866 | -20.3% |
| Ford Focus | $1,008 | -3.4% |
| Ford Fusion | $1,104 | 5.6% |
| Ford F-150 | $980 | -6.3% |
| GMC Acadia | $960 | -8.5% |
| GMC Sierra | $1,082 | 3.7% |
| Honda Accord | $972 | -7.2% |
| Honda Civic | $1,138 | 8.4% |
| Honda CR-V | $844 | -23.5% |
| Honda Pilot | $990 | -5.3% |
| Hyundai Sonata | $1,056 | 1.3% |
| Kia Optima | $1,076 | 3.2% |
| Nissan Altima | $1,072 | 2.8% |
| Nissan Rogue | $1,046 | 0.4% |
| Toyota Camry | $1,062 | 1.9% |
| Toyota Corolla | $1,038 | -0.4% |
| Toyota Prius | $966 | -7.9% |
| Toyota RAV4 | $982 | -6.1% |
| Get Rates for Your Vehicle Quote Now | ||
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $3,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates
The company you buy your policy from definitely has an impact on price. Every insurance company has their own rate formula, and prices have large differences based on indivdual risk characteristics.
In Utah, auto insurance prices range from $578 with Bear River to as much as $1,955 with Encompass. Other companies like USAA, Auto-Owners, and American Family generally fall somewhere towards the middle. Those most likely are not the exact rates you would pay, as the vehicle you are insuring, your motor vehicle report, and your location in Utah have to be considered.
| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | State Farm | 17.52% | $1,417 |
| 2 | Allstate | 12.26% | $1,596 |
| 3 | Farmers Insurance | 11.20% | $1,379 |
| 4 | Geico | 7.77% | $1,044 |
| 5 | Progressive | 7.63% | $1,096 |
| 6 | Bear River | 5.35% | $578 |
| 7 | American Family | 4.70% | $974 |
| 8 | USAA | 4.37% | $775 |
| 9 | Liberty Mutual | 4.14% | $1,859 |
| 10 | Nationwide | 3.21% | $1,018 |
| Get Your Rates Quote Now | |||
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Using high physical damage deductibles can save as much as $440 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $243 extra every year. View Rates by Deductible or Liability Limit
Because prices have so much variability, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted rates will be varied between companies.
Utah Auto Insurance Articles
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,828 |
| 20 | $2,402 |
| 30 | $1,090 |
| 40 | $1,042 |
| 50 | $948 |
| 60 | $930 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,330 |
| $250 | $1,196 |
| $500 | $1,042 |
| $1,000 | $894 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,042 |
| 50/100 | $1,096 |
| 100/300 | $1,164 |
| 250/500 | $1,339 |
| 100 CSL | $1,123 |
| 300 CSL | $1,272 |
| 500 CSL | $1,380 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,466 |
| 20 | $3,816 |
| 30 | $2,300 |
| 40 | $2,248 |
| 50 | $2,142 |
| 60 | $2,122 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $55 |
| Multi-vehicle | $53 |
| Homeowner | $15 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $67 |
| Paid in Full/EFT | $49 |
| Advance Quote | $52 |
| Online Quote | $74 |
| Total Discounts | $443 |
Discounts are estimated and may not be available from every company or in every state.
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