Understanding your state’s average car insurance costs helps you evaluate whether you’re getting a competitive rate. In Utah, the average full coverage car insurance cost is $1,154 yearly or $96 monthly. This guide will break down the specifics of car insurance rates in Utah, helping you plan your budget more effectively.
Other Insurance: Navigating the Complex World of Home Insurance
Detailed Insurance Rates in Utah
Coverage Options and Costs
When considering car insurance in Utah, you have several coverage options. The table below highlights the average annual and monthly premiums for different levels of coverage.
| Coverage | Average Annual Premium | Average Monthly Premium |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,154 | $96 |
| 100/300/100 Liability Only | $767 | $64 |
| State Minimum Liability Only | $626 | $52 |
Factors Influencing Car Insurance Rates in Utah
Why Are Car Insurance Rates Moderate in Utah?
Car insurance in Utah is relatively affordable compared to the national average. Utah’s average annual premium for full coverage with a $1,000 deductible is $1,154, below the national benchmark of $1,244. This affordability stems from several factors, such as fewer natural disasters, lower traffic congestion, and reduced crime rates, which lower the risk for insurers and, consequently, the insurance costs for residents.
Average Car Insurance Costs in Utah by Company
Car insurance premiums vary significantly among companies. Here’s a comparison of the annual and monthly premiums from different insurers in Utah.
| Company | Annual Premium | Monthly Premium |
| Nationwide | $725 | $60 |
| Auto-Owners Insurance Co | $787 | $66 |
| Farmers Union Insurance | $860 | $72 |
| American Family | $891 | $74 |
| GEICO | $929 | $77 |
| Progressive | $1,019 | $85 |
| Iowa Farm Bureau | $1,227 | $102 |
| Allstate | $1,230 | $102 |
Pro Tip: Comparing quotes can help you find the cheapest car insurance that fits your needs.
Coverage Level Costs
The cost of car insurance in Utah is also influenced by the selected level of coverage. Here’s a look at the average costs for different coverage levels:
| Coverage | Average Annual Premium | Average Monthly Premium |
| State Minimum Liability Only | $626 | $52 |
| 100/300/100 Liability Only | $767 | $64 |
| 300/500/300 Liability Only | $883 | $74 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $970 | $81 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,011 | $84 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,112 | $93 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,130 | $94 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,154 | $96 |
Minimum Car Insurance Requirements in Utah
In Utah, the minimum car insurance requirements include:
- $25,000 for bodily injury liability per person
- $65,000 for bodily injury liability per accident
- $15,000 for property damage liability
- $3,000 personal injury protection (PIP) per person
Car Insurance Costs by City
Car insurance premiums can vary greatly by location within Utah. Here’s a look at the average costs in different cities:
| City | Full Coverage Annual Premium | Minimum Coverage Annual Premium |
| Provo | $1,028 | $579 |
| Salt Lake City | $1,117 | $614 |
| West Jordan | $1,100 | $629 |
| West Valley City | $1,162 | $657 |
Average Car Insurance Costs by Age
Age impacts car insurance costs significantly. Younger drivers typically pay more, while older, more experienced drivers benefit from lower rates.
| Age Group | Average Annual Premium | Average Monthly Premium |
| 22-29 | $1,422 | $119 |
| 30-59 | $1,154 | $96 |
| 60+ | $1,151 | $96 |
Car Insurance Costs for Teens
Teen drivers face the highest premiums. Here’s a breakdown for 16-year-old male drivers:
| Age | Added to Family Policy Premium | Individual Premium |
| 16 | $3,771 | $7,870 |
| 17 | $3,546 | $6,149 |
| 18 | $2,900 | $4,914 |
| 19 | $2,725 | $3,296 |
| 20 | $2,738 | $2,805 |
| 21 | $2,141 | $2,160 |
| 22 | $2,262 | $1,955 |
| 23 | $2,342 | $1,734 |
Car Insurance Costs for New Cars
Newer car models generally have higher insurance costs due to their higher value and repair costs.
| Model Year | Annual Premium | Monthly Premium |
| 2012 Vehicle | $979 | $82 |
| 2022 Vehicle | $1,198 | $100 |
Factors Affecting Car Insurance Rates in Utah
Several factors influence car insurance rates in Utah:
- Age and Driving Experience: Younger, less experienced drivers typically face higher rates.
- Driving Record: Clean records lead to lower rates, while violations increase costs.
- Vehicle Type: High-end vehicles cost more to insure.
- Credit Score: Higher scores often lead to lower premiums.
- Location: Rates vary by city due to factors like traffic density and crime rates.
- Coverage Type: More coverage usually means higher premiums.
- Insurance History: Continuous coverage without lapses can lower rates.
- Gender: May slightly influence costs, especially for younger drivers.
- Annual Mileage: Higher mileage can increase premiums.
- Marital Status: Married individuals often receive lower rates.
How to Save Money on Car Insurance in Utah
To get affordable car insurance, follow these tips:
- Shop Around: Compare rates from multiple insurers.
- Increase Your Deductible: Opting for a higher deductible can lower your premiums.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations.
- Bundle Policies: Combine car insurance with other policies for discounts.
- Seek Out Discounts: Look for discounts for safe driving, good students, and more.
- Use Telematics Programs: Participate in programs that monitor and reward safe driving.
- Consider Vehicle Choice: Choose cars that are less expensive to insure.
As a result, understanding the average car insurance costs in Utah helps you make informed decisions and find the best rates. Comparing quotes, maintaining a clean driving record, and choosing the right coverage are essential steps. Consequently, you can enjoy affordable and comprehensive car insurance tailored to your needs in Utah.