The average cost of car insurance in Utah is $1,186 per year for full coverage, which is much lower than the U.S. national average of $1,674. The state-required minimum is $332 per year.
Many factors are used to determine the price of premiums paid, including your age, gender, driving history, make and model of the vehicle you drive, and discount eligibility.
Our best recommendation is to maintain a safe driving record with no claims. Even a single claim could cause your premiums to rise by as much as 100%.
What Is the Average Premium in Utah for Full Coverage Car Insurance?
Utah drivers pay an average monthly rate of $99 a month for full coverage car insurance. Age, gender, marital status, driving history, and more than 10 other qualifiers are used to determine the price of premiums paid.
Full coverage car insurance covers three areas and gives you the most protection. With full coverage auto insurance, you’ll be getting the bodily injury (personal injury protection) and property damage liability required, but also coverage for events outside of car crashes (comprehensive) and collision. Comprehensive liability covers losses due to natural disasters, theft, vandalism, and other acts outside of one’s control. Collision covers the cost of damages where there is a collision with another vehicle or object.
One way to save money on full car insurance coverage is to opt for higher deductibles and lower liability limits. It reduces the risk to the insurer, passing it on to the driver. Increasing a $500 to $1,000 can possibly shave off $30 or more from your monthly premium.
How Much Is It for Just the Minimum Required Car Insurance in Utah?
The state-required minimum insurance in Utah is $28 a month. State-required minimum liability is $25,000 bodily injury coverage per person, $65,000 bodily injury coverage per accident, $15,000 property damage per accident and $3,000 personal injury protection.
Avoid high out-of-pocket costs and countless headaches by opting for higher collision, comprehensive, and property damage limits. Even a single accident can exceed state minimum liability amounts, passing the rest of the expenses onto you.
How Do Rates Compare Across Major Cities in Utah?
Rates vary between different cities in Utah, large and small. For example, Salt Lake City sees an average monthly rate of $100 a month, 40% more than the smaller, less densely populated cities of Vernal ($60) and Tooele ($70).
Here are some of the zip codes in Utah with their average minimum rate per month.
Methodology: To figure out the average cost per insurance, we used the following demographic profile: male, age 30, lowest possible legal coverage allowed by state. The price of car insurance premiums vary based on age, gender, zip code, the type of vehicle driven, and driving history/claims record.