Utah Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Utah car insurance averages about $242 a month ($2,908 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% above the national average in our data. It’s higher than in Arizona, Idaho and Wyoming but lower than in Colorado and Nevada. GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the insurers we rank, at about $173 a month each.

Where you live matters. Salt Lake, Utah and Weber counties, along the Wasatch Front, cost the most in our data: Salt Lake County averages about $260 a month for full coverage, Utah County $249 and Weber County $243. Rural southern and eastern Utah costs the least: Grand County, home to Moab, averages $205, Kane County $207 and Iron County $212, the three least expensive of the 21 counties we price. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 106 Utah ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.

How Much Is Car Insurance in Utah? Average Cost per Month

The average cost of car insurance in Utah is about $242 a month ($2,908 a year) for full coverage and $113 a month ($1,350 a year) for liability-only coverage at 25/70/15 limits. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Utah averages $2,908 a year, or about $242 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,350 a year ($113 a month), and 50/100/50 liability with comprehensive and collision averages $2,737 ($228 a month).

• Full coverage (100/300/100, $500 deductibles): $2,908 a year ($242 a month)
• 50/100/50 with $500 deductibles: $2,737 a year ($228 a month)
• Liability only (25/70/15): $1,350 a year ($113 a month)
• Salt Lake City: $3,136 a year ($261 a month) for full coverage
• West Valley City: $3,365 a year ($280 a month) for full coverage
• Provo: $3,032 a year ($253 a month) for full coverage
• St. George: $2,618 a year ($218 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Utah Compares With Neighboring States

Utah’s average is about $36 a month above Arizona’s, $27 below Colorado’s, $89 above Idaho’s, $165 below Nevada’s and $81 above Wyoming’s. It’s the 13th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance Quotes in Utah: Companies Compared

• Lowest averages among insurers we rank, full coverage: GEICO and Auto-Owners, effectively tied at about $173 a month each.
• Next lowest: Progressive at $188.
• Lowest liability-only average among insurers open to all drivers (25/70/15): Auto-Owners, at about $68 a month, then GEICO at $85.
• Also on our list: USAA at about $122 a month, Nationwide at $135, American Family at $199 and Farm Bureau Financial Services at $281 (USAA sells only to military families).
• Most expensive in our data: State Farm, at about $381 a month for full coverage, $2,499 a year more than GEICO.

GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the six insurers in our Utah rate data. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA, which sells only to military families. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $68 a month, followed by GEICO at $85.

These are statewide averages for our benchmark driver. See how we calculated these rates.

See What You’d Pay in Utah

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Rates change by city and ZIP code across Utah. Enter yours to compare quotes.

How Utah’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in Utah?

Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Utah ZIP codes, their full-coverage average rose from $3,025 a year in rates as of Nov. 30, 2025, to $3,073 as of Aug. 31, 2026, a 1.6% increase. Farmers raised its average 5.4% and State Farm 1.8%, while Allstate’s, GEICO’s and Progressive’s averages were about unchanged. Auto-Owners is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Utah average above. Liability-only coverage at 25/70/15 limits rose 2.9%, led by Farmers, which raised its liability-only average 14.4%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Utah Car Insurance Costs

Utah’s full-coverage average is the 13th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Wasatch Front. Salt Lake County, Utah County and Weber County are the three most expensive counties in our data. West Valley City averages $280 a month, the highest of the 68 cities and towns we price, and Salt Lake City $261, while Ogden averages $244 and Provo $253.
• Rural Utah costs less. Moab averages about $205 a month and Kanab $207, the two lowest of the 68 cities and towns we price, while St. George averages $218 and Logan $216. Moab’s average is about $55 a month below Salt Lake County’s for the same driver and car.
• No-fault coverage on every policy. Besides liability coverage, every Utah policy must include personal injury protection, which pays at least $3,000 per person in medical bills. Uninsured and underinsured motorist coverage is also included unless you reject it in writing.

Utah Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, West Valley City is the most expensive, at $280 a month for full coverage, followed by Salt Lake City at $261 and West Jordan at $259. Ogden is the least expensive of them, at about $244. Across all 68 cities and towns we price, averages run from about $280 in West Valley City to $205 in Moab.

The table lists all 68 Utah cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Utah City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Utah Car Insurance Rates by County

Salt Lake County is the most expensive county in our data, at about $260 a month for full coverage, followed by Utah County ($249) and Weber County ($243). The least expensive are Grand County ($205), Kane County ($207) and Iron County ($212). We price 21 of Utah’s 29 counties.

How Much More Does Better Coverage Cost in Utah?

Raising liability limits from 50/100/50 to 100/300/100 adds about $171 a year on average statewide in our data, with the same $500 deductibles. Across the six insurers, the change runs from $43 less a year (Auto-Owners) to $387 more (State Farm). Statewide, that’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Utah Car Insurance Rules at a Glance

What Car Insurance Is Required in Utah?

Utah raised its minimum liability limits for policies issued or renewed on or after Jan. 1, 2025, under H.B. 113. Under Utah Code 31A-22-304, a policy must cover at least:

• $30,000 per person and $65,000 per crash in bodily injury liability.
• $25,000 in property damage liability.
• Or a $90,000 single limit for any one crash in place of those three.

Before 2025 the minimum was 25/65/15. Every Utah policy must also include personal injury protection (PIP) and uninsured and underinsured motorist coverage, unless you reject the uninsured and underinsured coverage in writing, under Utah Code 31A-22-302. Uninsured motorist coverage can’t be sold with limits below the bodily injury minimums.

• PIP medical expenses: at least $3,000 per person.
• Lost wages: the lesser of $250 a week or 85% of the loss, for up to 52 weeks.
• Household services: up to $20 a day, for up to 365 days.
• Funeral and death benefits: up to $1,500 for funeral costs and a $3,000 death benefit.

Utah is a no-fault state for injuries: your own PIP pays first, whoever caused the crash. Under Utah Code 31A-22-309, you can sue the other driver for pain and suffering only if the injury causes death, dismemberment, a bone fracture, permanent disability or impairment, permanent disfigurement or more than $3,000 in medical expenses. PIP doesn’t cover damage to cars; the at-fault driver’s liability coverage pays for that, and you can collect from the other driver only if you’re less than 50% at fault, according to the Utah Insurance Department.

Utah checks coverage through its Uninsured Motorist Identification Database, which compares vehicle registrations with insurers’ records. If a letter from the DMV or its partner, Insure-Rite, says your car looks uninsured, you have 15 days to send proof; a second notice gives you another 15 days, and after that your registration can be revoked, under Utah Code 41-12a-804. Reinstating a revoked registration costs $100, according to the Utah DMV. You can show proof of insurance on your phone.

Driving uninsured is a class C misdemeanor with a fine of at least $400, or at least $1,000 for a repeat within three years, and your license can be suspended, under Utah Code 41-12a-302. An SR-22 certificate is usually required for three years from the conviction date, according to the Driver License Division. Since May 6, 2026, Utah has required liability insurance on a vehicle that’s driven, not one that’s only registered, under H.B. 47.

How to Lower Your Car Insurance Rate in Utah

1. Quote several insurers. Among the insurers we rank in Utah, the lowest and highest averages are about $208 a month apart for the same driver and car.
2. Compare GEICO and Auto-Owners first. They have the two lowest full-coverage averages among the insurers we rank in Utah, about $173 a month each.
3. Know what your PIP pays. Every Utah policy includes personal injury protection, which pays at least $3,000 per person in medical bills, plus lost wages of up to $250 a week, whoever caused the crash, under Utah Code 31A-22-307. Medical payments coverage is optional, according to the Utah Insurance Department.
4. Think before you reject uninsured motorist coverage. Utah policies include uninsured and underinsured motorist coverage unless you reject it in writing, and it pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
5. Answer any insurance letter. Utah matches registrations with insurers’ records, and if a notice says your car looks uninsured, you have 15 days to send proof, under Utah Code 41-12a-804. A revoked registration costs $100 to reinstate, according to the Utah DMV.
6. Know how credit is used. Under Utah Code 31A-22-320, insurers can’t use your credit to raise your rate or drop you at renewal. They can use it when you first apply, along with other factors, or to give you a discount.
7. Compare at every renewal. Since November 2025, Farmers has raised its average 5.4% and State Farm 1.8%, so the order in our table can shift.
8. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Utah home insurance rates.

Compare Utah Car Insurance Quotes

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How We Calculated Utah Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 636 full-coverage premiums from six insurers across 106 Utah ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/70/15 limits, with 25/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Utah’s minimum has been 30/65/25 since Jan. 1, 2025, so our liability-only prices use lower per-person injury and property damage limits than the law requires and a per-person uninsured motorist limit below the law’s $30,000 floor. Every Utah policy must include personal injury protection; the rate data doesn’t list the amount priced, so we don’t state one for these prices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Utah rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.

More Utah Car Insurance Breakdowns

The tables in this section come from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to compare vehicle types and drivers with each other. Where its tables say “State Minimum,” they use that analysis’s own minimum-coverage package, which may not match Utah’s current 30/65/25 minimum.

Utah Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 29 counties in that analysis. A hybrid costs about 26% more than an SUV on average.

Utah Car Insurance Costs by Age

This table shows how that analysis prices drivers of different ages, starting at 17.

Utah Car Insurance Costs for Used Vehicles

This table compares used vehicle types in that analysis.

Utah Car Insurance Costs for New Vehicles

This table compares new vehicle types in that analysis.

Utah Car Insurance FAQ