Compare Car Insurance Costs for Utah Cities
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities in Utah for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Average Cost of Car Insurance in UT by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.
Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:
- 4 Door Car: $1,084
- SUV: $986
- Truck: $1,128
- Hybrid Electric Vehicle: $989
- 2 Door Coupe: $898
Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:
| Used Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4 Door): | $1,084 | $2,651 |
| Hybrid Electric: | $989 | $2,792 |
| Luxury Coupe (2 Door): | $898 | $3,565 |
| SUV: | $986 | $2,362 |
| Truck: | $1,128 | $3,029 |
New Vehicle Car Insurance Costs in Utah
For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:
| New Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4Door): | $1,012 | $3,032 |
| Hybrid Electic: | $1,025 | $3,111 |
| Luxury Coupe | $917 | $4,064 |
| SUV: | $983 | $2,636 |
| Truck: | $1,139 | $3,522 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
Popular Cities in Utah
How Age Affects Auto Coverage Costs in Utah
Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.
Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.
Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.
Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:
| Age | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| 17 | $3,614 | $301 | $9,595 | $800 |
| 18 | $3,001 | $250 | $8,311 | $693 |
| 20 | $1,867 | $156 | $5,263 | $439 |
| 22 | $1,301 | $108 | $3,731 | $311 |
| 24 | $1,109 | $92 | $3,197 | $266 |
| 29 | $1,008 | $84 | $2,882 | $240 |
| 34 | $981 | $82 | $2,766 | $231 |
| 39 | $988 | $82 | $2,770 | $231 |
| 44 | $995 | $83 | $2,781 | $232 |
| 49 | $981 | $82 | $2,738 | $228 |
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $30,000 per person
- $65,000 per accident
- $25,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
Finding Auto Insurance Resources in Utah
There are plenty of websites and associations to help you with your insurance. The Motor Vehicle Division of the Utah State Commission is a good place to start. This is Utah’s official DMV website. You can get your vehicle registration and driver’s license from the website. You can also find a range of information including forms, prints, and publications on the site.
The Utah Insurance Department posts a great deal of valuable information on its site. Part of what it covers includes avoiding fake insurance companies. It also keeps a list of known unauthorized insurers. You can use the site to get information, file a complaint, or check on your insurance company.
Tips for Optional Insurance in Utah
Liability, Damage, and Personal Injury Protection insurance are required in Utah. You can also go with other types of coverage. Your insurer has to offer you uninsured motorist coverage when it sells you a policy. You can refuse this coverage; however, experts advise that you buy it for your own protection. Studies show that 6 percent or more of Utah drivers are uninsured. An uninsured motorist policy will cover an accident with one of these drivers, but your standard policy will not.
You can also choose other coverage options. Some options include collision insurance and comprehensive insurance. Collision covers you in the event of a crash while comprehensive coverage protects you in the event of fire, theft, or other non-driving related incidents. Both of these protect your vehicle in ways that other insurance does not. You can also consider increasing your insurance. Some people choose to go with a $50,000 per-person policy rather than the $25,000 rate set by the state.
Moving to Utah: Important Information
If you are moving to Utah, you need to consider the rules of the state. As a resident of Utah, you must register your vehicle in the state. You also have to have insurance. If your vehicle has been in Utah for more than 90 days within the past 365 days then you also need insurance. You have 60 days from the time of moving to Utah to get a registration.
You need your insurance before you register your vehicle. You also need a Form TC-661 Certificate of Inspection. A licensed Utah inspector or DMV employee must fill out this form in order to be valid. You can also have the inspection performed when you go to have your vehicle registered. Your vehicle may also need a safety and emissions test. You can check the Vehicle Inspections requirement list to see if your vehicle needs an inspection.
If you own or rent a home, register a vehicle, or go to work in Utah then you need a Utah driver’s license. If you are a resident, there is no grace period for getting your license. This is different from most other states.
Understanding Driving Laws in Utah
There are many driving laws in place in Utah and all of them protect you on the road. For a full update on new laws, consider reading the Utah Driver Handbook.
Utah forbids drivers of any age to text while driving. It is also illegal for drivers who are 18 and under to use a cell phone while driving. Utah’s maximum blood alcohol level for a DUI charge is .08 percent. Driving at this level of intoxication can result in a 120-day license suspension and potential jail time for subsequent offenses.
Utah also reserves the right to arrest anyone who is driving aggressively. A display of three or more aggressive driving behaviors may add a negative point to your license. Points are used by insurance companies for risk evaluation and may be used to charge you a higher premium.
Frequently Asked Questions About Utah Auto Insurance
Who is Insure-Rite?
Insure-Rite checks insurance for the Utah DMV. Its job is to collect insurance details to make sure that everyone is insured. If you are not insured or have falsified a claim, then you can have your registration revoked.
How much is auto insurance per month in Utah?
Your monthly rate for auto insurance in Utah will depend on your age, personal situation, and driving history. According to thezebra.com, the average cost for Utah rates come out to about $109 per month. This number also depends on what kind of coverage you choose to get.
How can you save money on Utah insurance?
The best way to save money on insurance is to shop around. Remember to ask your agent about the discounts the company offers, and then see if you qualify for any of them. Insuring multiple vehicles at once can often reduce your rates per vehicle.
What is PIP?
Personal injury protection or PIP is a type of insurance coverage required by Utah law. PIP covers your hospital bills in case you are injured. Your standard insurance only covers the other person.
How to Get Great Rates on Auto Insurance, Utah
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Utah Auto Insurance Resources
Need more than just Utah free car insurance quotes? In addition to your Utah auto insurance quotes, here are some resources that may help.
Utah Division of Motor Vehicles
Offering online registration renewal and general driver information
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.
Car insurance in Utah averages approximately $71 per month for minimum coverage and $190 per month for full coverage in 2026. Nationwide offers the cheapest full coverage at $129 per month and Auto-Owners offers the cheapest minimum coverage at $44 per month. USAA is the best option for military families at $42 per month for minimum coverage. Utah rates have been rising due to rapid population growth along the Wasatch Front and increasing traffic density between Salt Lake City, Provo, and Ogden.
Yes. Utah is a no-fault state requiring all drivers to carry Personal Injury Protection (PIP) of at least $3,000 per person. Your PIP pays for your own medical bills after an accident regardless of who caused it. However, Utah’s $3,000 PIP minimum is one of the lowest in any no-fault state — far below what a single ER visit typically costs in 2026. Most Utah insurance professionals recommend carrying at least $10,000 to $25,000 in PIP. Utah’s minimum liability requirements are 25/65/15: $25,000 per person and $65,000 per accident in bodily injury, plus $15,000 in property damage.
Bear River Mutual Insurance is a Utah-based mutual insurance company founded in 1909 that operates exclusively in Utah. It is consistently rated among the best and most affordable car insurance options for Utah residents, and WalletHub named it the top car insurance company in Utah. Unlike national carriers, Bear River Mutual only writes policies for Utah residents, giving it deep expertise in local risk factors. It is not available in any other state. While it does not always have the absolute lowest price (Auto-Owners and USAA can undercut it on raw price), Bear River Mutual often provides the best combination of price and local customer service in Utah.
Utah is experiencing above-average car insurance rate increases due to several converging factors: (1) Rapid population growth — Utah has been one of the fastest-growing states in the U.S. for over a decade, adding traffic density along the Wasatch Front faster than road infrastructure can absorb. (2) Higher repair costs — advanced safety technology in newer vehicles significantly raises repair costs even after minor collisions. (3) Increased accident frequency — more vehicles on I-15 and the Provo-Orem corridor mean more claims. (4) Vehicle theft increases — the Kia/Hyundai theft wave affected Utah as it did nationwide. Utah rates rose 25.5% in 2023, and while increases have moderated in 2026, premiums remain elevated compared to 2021.
Provo is the most affordable major city in Utah for car insurance, with full coverage averaging approximately $187 per month. Ogden is one of the more expensive cities in the state at around $253 per month for full coverage. Salt Lake City falls between them. Rural Utah — particularly southern and eastern counties away from the Wasatch Front — tends to be significantly cheaper than the metro corridor. The I-15 corridor from Provo through Salt Lake City to Ogden carries the highest rates in the state due to traffic density, higher accident frequency, and greater vehicle theft exposure.
A DUI conviction in Utah typically raises full-coverage premiums from about $127 per month to $201 per month, an increase of roughly 95% — the largest violation penalty of any driving record category in the state. Progressive tends to offer some of the more affordable post-DUI rates in Utah, at around $130 per month for full coverage.
Yes. Utah insurers can use credit-based insurance scores when setting premiums, and the gap is significant: drivers with good credit pay around $126 per month for full coverage, while drivers with poor credit pay about $281 per month — roughly 87% more. Kemper tends to be one of the more affordable options in Utah for drivers with bad credit.
Bear River Mutual: Utah’s Local Insurance Advantage
Bear River Mutual Insurance has served Utah drivers exclusively since 1909, making it one of the most deeply Utah-specific insurance options available anywhere. As a mutual company, it is owned by its policyholders rather than shareholders, which historically keeps rates more stable and claims handling more customer-focused. Bear River Mutual consistently earns top ratings for customer satisfaction in Utah and is named by WalletHub as the best overall car insurance company in the state. The trade-off: Bear River Mutual only writes policies for Utah residents and is not available if you move out of state. For long-term Utah residents, it is worth comparing Bear River Mutual against national carriers at every renewal since local pricing advantages frequently appear in companies with deep regional expertise.
Wasatch Front vs. Rural Utah: Why Your ZIP Code Matters
Utah’s population is heavily concentrated along the Wasatch Front — the urban corridor running from Ogden through Salt Lake City to Provo — and this geography creates a stark insurance rate divide. Wasatch Front drivers in Salt Lake, Utah, Davis, and Weber counties pay significantly more than drivers in rural Utah counties. Ogden, one of the more densely trafficked cities on I-15, averages $253 per month for full coverage. Provo, despite being a large city, averages a more moderate $187 per month. Rural Utah communities in Kane, San Juan, or Garfield counties can pay 30 to 40 percent less than SLC metro drivers for identical coverage. When comparing quotes in Utah, your specific ZIP code is one of the most powerful rate determinants — even moving a few miles from a high-density area can meaningfully reduce your premium.
Utah’s $3,000 PIP Minimum: Why Most Drivers Should Carry More
Utah requires a minimum of $3,000 in Personal Injury Protection (PIP) as part of its no-fault insurance system — but this amount is dangerously inadequate by 2026 standards. A single emergency room visit in Utah now averages over $2,500, and any hospitalization or surgical procedure will far exceed $3,000 in medical costs. Utah drivers who rely on the state minimum PIP may find themselves personally responsible for tens of thousands in medical bills after a serious accident. Most Utah insurance professionals recommend carrying at least $10,000 to $25,000 in PIP coverage. The additional monthly cost is typically modest — often $10 to $20 per month — and the financial protection is substantial. If you have comprehensive employer-provided health insurance with a low deductible, you may be able to justify lower PIP, but verify your health plan explicitly covers auto accident injuries before reducing PIP.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
