Utah Car Insurance Quotes & Average Rates
Full coverage car insurance in Utah is estimated at $1,928 a year, or $161 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $658 a year. Utah is a no-fault state, and drivers must carry 30/65/25 liability limits. Below you will find estimated rates for 49 Utah cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Utah
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Utah
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,465 | $122 | -24% | Military members and families only |
| Geico | $1,581 | $132 | -18% | Usually cheapest for clean records |
| State Farm | $1,697 | $141 | -12% | Strong for young and student drivers |
| Progressive | $1,832 | $153 | -5% | Competitive after a ticket or accident |
| Travelers | $1,870 | $156 | -3% | Good multi-policy discounts |
| Nationwide | $1,928 | $161 | 0% | Mid-market, wide availability |
| Allstate | $2,198 | $183 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,333 | $194 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Utah. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Utah car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,209 | $1,779 | $434 |
| 18 years old | $4,394 | $1,500 | $366 |
| 20 years old | $3,638 | $1,242 | $303 |
| 22 years old | $3,022 | $1,032 | $252 |
| 25 years old | $2,306 | $787 | $192 |
| 30 years old | $1,988 | $679 | $166 |
| 40 years old | $1,869 | $638 | $156 |
| 50 years old | $1,789 | $611 | $149 |
| 60 years old | $1,769 | $604 | $147 |
| 65 years old | $1,849 | $631 | $154 |
| 70 years old | $2,028 | $692 | $169 |
| 75 years old | $2,366 | $808 | $197 |
Estimated premiums by age in Utah, clean record, sedan.
How violations change your Utah premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,928 | — |
| 1 speeding ticket | $2,372 | +23% |
| 1 at-fault accident | $2,835 | +47% |
| DUI / DWI | $3,645 | +89% |
What a violation costs a 35-year-old in Utah. Surcharges normally stay on the policy for three to five years.
A DUI in Utah usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Utah minimum insurance requirements
| Required coverage in Utah | Minimum limit |
|---|---|
| Bodily injury liability, per person | $30,000 |
| Bodily injury liability, per accident | $65,000 |
| Property damage liability | $25,000 |
| PIP $3,000 | Required |
| Insurance system | No-fault |
Limits are set by statute and change from time to time. Confirm the current figures with the Utah Department of Insurance before you buy.
Coverage levels in Utah
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $658 | $55 |
| Full coverage (100/300/100 + comp & collision) | $1,928 | $161 |
| Full coverage, high limits + low deductible | $2,295 | $191 |
Coverage level comparison for Utah.
Car insurance rates in Utah cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 49 Utah cities we price.