For a 40-year-old driver with a clean record, St. George car insurance averages about $218 a month ($2,618 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 10% below the Utah average of $242 a month. Auto-Owners has the lowest full-coverage average among the insurers we rank, at about $148 a month.
St. George, the Washington County seat in Utah’s southwest corner, is one of the less expensive Utah cities in our data: about $24 a month less than the Utah average and about $43 a month less than Salt Lake City.
Both St. George ZIP codes we price are close: 84790 averages about $217 a month and 84770 about $219.
Cost data comes from the auto rates insurers file with state regulators, priced across both St. George ZIP codes in our data, 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 St. George, UT?
Full coverage in St. George averages $2,618 a year, or about $218 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,251 a year ($104 a month), and 50/100/50 liability with comprehensive and collision averages $2,456 ($205 a month).
- Full coverage (100/300/100, $500 deductibles): $2,618 a year ($218 a month)
- 50/100/50 with $500 deductibles: $2,456 a year ($205 a month)
- Liability only (25/70/15): $1,251 a year ($104 a month)
- Washington County: $2,610 a year ($218 a month) for full coverage
- Utah average: $2,908 a year ($242 a month) for full coverage
- ZIP code range: $217 (84790) to $219 (84770) a month for full coverage
Cheap Car Insurance in St. George: Companies Compared
- Lowest average among insurers we rank, full coverage: Auto-Owners, at about $148 a month ($1,770 a year).
- Next lowest: GEICO, at about $153 a month, then Progressive at $179.
- Lowest liability-only average among insurers open to all drivers (25/70/15): Auto-Owners, at about $61 a month, then GEICO at $78.
- Also on our list: USAA at about $110 a month, Nationwide at $121, American Family at $179 and Farm Bureau Financial Services at $252 (USAA sells only to military families).
- Most expensive in our data: State Farm, at about $351 a month, $2,442 a year more than Auto-Owners for the same driver and car.
Auto-Owners has the lowest full-coverage average among the six insurers in our St. George 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 $61 a month, followed by GEICO at $78.
Full-coverage averages by insurer in St. George
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto-Owners | $726 | $61 | $1,770 | $148 |
| GEICO | $938 | $78 | $1,839 | $153 |
| Progressive | $1,089 | $91 | $2,147 | $179 |
| Allstate | $1,018 | $85 | $2,734 | $228 |
| Farmers | $1,666 | $139 | $3,003 | $250 |
| State Farm | $2,068 | $172 | $4,212 | $351 |
| USAA (military families)* | $610 | $51 | $1,316 | $110 |
| Nationwide* | $846 | $71 | $1,455 | $121 |
| American Family* | $1,372 | $114 | $2,146 | $179 |
| Farm Bureau Financial Services* | $1,009 | $84 | $3,025 | $252 |
| St. George average | $1,251 | $104 | $2,618 | $218 |
This table uses St. George ZIP codes only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in St. George?
Raising liability limits from 50/100/50 to 100/300/100 adds about $162 a year on average in our St. George data, with the same $500 deductibles. 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.
Is Car Insurance Going Up in St. George?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same St. George ZIP codes, their full-coverage average rose from $2,726 a year in rates as of Nov. 30, 2025, to $2,787 as of Aug. 31, 2026, a 2.2% increase. Farmers raised its average 5.8% and State Farm 3.6%, 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 St. George average above. Liability-only coverage at 25/70/15 limits rose 3.0%, led by Farmers, which raised its liability-only average 15.0%.
What Keeps Car Insurance Costs Down in St. George
Washington County averages about $218 a month for full coverage, less than Salt Lake, Utah, Davis and Weber counties along the Wasatch Front. Salt Lake County, the most expensive of the 21 Utah counties we price, averages $260.
Nearby towns are priced about the same: Washington averages about $219 a month, Santa Clara $218 and Ivins $220, while Hurricane, to the east, averages $213. Where you live is one of the factors Utah insurers use, so neighboring cities can be priced differently.
How St. George Car Insurance Compares With Other Utah Cities
More Utah cities and towns are in the Utah rates by city table, and you can compare states on our car insurance rates by state page.
The closest city guides are a long drive north: Provo, about 240 miles northeast, averages $253 a month, and Salt Lake City, about 270 miles north, $261. Closer to home, Cedar City, about 50 miles northeast in Iron County, averages $212.
What Car Insurance Is Required in St. George?
Drivers in St. George follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
- Liability coverage of $30,000 per person and $65,000 per crash for injuries and $25,000 for property damage, or a $90,000 single limit
- Personal injury protection that pays at least $3,000 per person in medical bills, plus lost wages and other benefits
- Uninsured and underinsured motorist coverage, unless you reject it in writing
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in St. George
- Compare Auto-Owners and GEICO first. They have the two lowest full-coverage averages among the insurers we rank in St. George, about $148 and $153 a month.
- Quote several insurers. Among the insurers we rank in St. George, the lowest and highest averages are about $203 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Since November 2025, Farmers has raised its average 5.8% and State Farm 3.6%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Utah home insurance rates before you shop.
Ready to compare
How We Calculated St. George 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: 12 full-coverage premiums from six insurers across two St. George 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.
St. George Car Insurance FAQ
For our benchmark driver, full coverage in St. George averages about $218 a month ($2,618 a year) and liability-only coverage at 25/70/15 limits about $104 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 10% below the Utah average of $242 a month.
Auto-Owners has the lowest full-coverage average in our St. George rate data, at about $148 a month, with GEICO close behind at $153. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $61 a month. 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. Rates vary by driver, so compare quotes for your own car and ZIP code.
Compared with northern Utah’s big cities, yes. For our benchmark driver, St. George full coverage averages about $218 a month, 10% below the Utah average and about $43 a month less than Salt Lake City.
Cedar City, for our benchmark driver. St. George full coverage averages about $218 a month and Cedar City about $212, a difference of about $6 a month for the same driver and car.
In our St. George data, full coverage (100/300/100 with $500 deductibles) averages about $218 a month and liability-only coverage at 25/70/15 limits about $104, a difference of about $114 a month ($1,367 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new since November 2025), their St. George full-coverage average rose 2.2%, from about $2,726 to $2,787 a year. That’s higher than the St. George average of $2,618 because it leaves out Auto-Owners. Farmers raised its average 5.8% and State Farm 3.6%. Liability-only coverage at 25/70/15 limits rose 3.0%.
- 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.
