Vernal car insurance averages approximately $130 per month for full coverage in 2026, below the Utah state average thanks to its small population and low traffic density. Comparing quotes from multiple carriers using your exact ZIP code and driver profile is the most reliable way to find your lowest rate.
Car Insurance in Vernal, Utah
Vernal, Utah, situated in the northeastern part of the state, is a captivating city that immerses residents in the beauty of the surrounding natural landscapes. Known as the “Gateway to Dinosaur Country,” Vernal offers a unique blend of prehistoric wonders, outdoor adventures, and a strong sense of community. Before hitting the road for an adventure, Vernal drivers will want to compare cheap car insurance policies to make sure they are covered when on the road. We can help you find the best car insurance rates in Vernal.
Average Car Insurance Costs for Vernal, Utah
According to our recent Insurance Quotes cost database for Vernal, Utah – the average car insurance rates for state minimum coverage is $72 a month or $861 yearly. A full coverage policy would cost around $231 a month or $2,770 a year.
Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on other driver demographics.
Which Provider Has the Cheapest Car Insurance Rates?
In Vernal, Utah the cheapest providers are Progressive, GEICO and All State. Here is a cost breakdown of each insurance company for state minimum liability and full coverage costs on average based on auto insurance provider rates:
| Group | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Progressive | $606 | $50 | $2,100 | $175 |
| GEICO | $720 | $60 | $2,427 | $202 |
| Allstate | $810 | $67 | $2,846 | $237 |
| State Farm | $990 | $83 | $3,074 | $256 |
| Mid-Century | $1,179 | $98 | $3,405 | $284 |
Average Cost of Car Insurance in UT by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.
Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:
- 4 Door Car: $1,084
- SUV: $986
- Truck: $1,128
- Hybrid Electric Vehicle: $989
- 2 Door Coupe: $898
Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:
| Used Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4 Door): | $1,084 | $2,651 |
| Hybrid Electric: | $989 | $2,792 |
| Luxury Coupe (2 Door): | $898 | $3,565 |
| SUV: | $986 | $2,362 |
| Truck: | $1,128 | $3,029 |
New Vehicle Car Insurance Costs in Utah
For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:
| New Car Type: | State Minimum: | Full Coverage: |
|---|---|---|
| Car (4Door): | $1,012 | $3,032 |
| Hybrid Electic: | $1,025 | $3,111 |
| Luxury Coupe | $917 | $4,064 |
| SUV: | $983 | $2,636 |
| Truck: | $1,139 | $3,522 |
Compare Car Insurance Costs for Utah Cities
Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities in Utah for monthly and annual rates:
| State | State Minimum Monthly Cost: | State Minimum Annual Cost: | Full Coverage Monthly Cost: | Full Coverage Annual Cost: |
|---|---|---|---|---|
| American Fork | $102 | $1,218 | $236 | $2,830 |
| Cedar City | $80 | $966 | $204 | $2,448 |
| Clearfield | $97 | $1,167 | $228 | $2,738 |
| Cottonwood Heights | $102 | $1,229 | $242 | $2,903 |
| Draper | $101 | $1,208 | $239 | $2,871 |
| Enterprise | $84 | $1,007 | $221 | $2,647 |
| Harrisville | $95 | $1,145 | $228 | $2,741 |
| Heber | $86 | $1,029 | $228 | $2,741 |
| Holladay | $105 | $1,258 | $247 | $2,963 |
| Kamas | $83 | $992 | $226 | $2,711 |
Auto Insurance Rates for Utah by County
Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.
Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Beaver | $1,219 | $1,009 | $1,187 | $1,166 | $1,256 |
| Box Elder | $1,208 | $988 | $1,165 | $1,111 | $1,238 |
| Cache | $1,133 | $956 | $1,114 | $1,073 | $1,158 |
| Carbon | $1,214 | $963 | $1,182 | $1,072 | $1,251 |
| Daggett | $1,214 | $1,004 | $1,182 | $1,196 | $1,251 |
| Davis | $1,113 | $956 | $1,084 | $1,100 | $1,124 |
| Duchesne | $1,214 | $1,004 | $1,182 | $1,143 | $1,251 |
| Emery | $1,214 | $973 | $1,159 | $1,091 | $1,251 |
| Garfield | $1,214 | $1,004 | $1,182 | $1,133 | $1,251 |
| Grand | $1,078 | $897 | $1,014 | $1,079 | $1,148 |
How Age Affects Auto Coverage Costs in Utah
Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.
Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.
Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.
Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:
| Age | State Minimum: | Monthly Costs: | Full Coverage: | Monthly Costs: |
|---|---|---|---|---|
| 17 | $3,614 | $301 | $9,595 | $800 |
| 18 | $3,001 | $250 | $8,311 | $693 |
| 20 | $1,867 | $156 | $5,263 | $439 |
| 22 | $1,301 | $108 | $3,731 | $311 |
| 24 | $1,109 | $92 | $3,197 | $266 |
| 29 | $1,008 | $84 | $2,882 | $240 |
| 34 | $981 | $82 | $2,766 | $231 |
| 39 | $988 | $82 | $2,770 | $231 |
| 44 | $995 | $83 | $2,781 | $232 |
| 49 | $981 | $82 | $2,738 | $228 |
How Much Car Insurance is Required in Utah?
Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:
- $30,000 per person
- $65,000 per accident
- $25,000 in property damage liability
- $3,000 in personal injury projection
While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.
Vernal car insurance averages approximately $130 per month for full coverage in 2026, below the Utah statewide average. As a small, rural city in the Uinta Basin, Vernal sees far less traffic congestion than Utah’s Wasatch Front cities.
Utah requires liability coverage of at least 30/65/25 — $30,000 per person and $65,000 per accident for bodily injury, plus $25,000 for property damage — along with $3,000 in Personal Injury Protection (PIP). Utah is a no-fault state, and insurers cannot apply a deductible to PIP benefits.
Vernal sits in eastern Utah’s Uinta Basin, a region driven by oil and gas industry employment. Many local drivers commute on rural highways and unpaved roads to job sites, and wildlife collisions (particularly deer and elk) are more common here than in urban Utah.
State Farm and GEICO are typically competitive in rural eastern Utah. Because Vernal has lower traffic density, many drivers qualify for low-mileage discounts if they don’t commute long distances daily.
Yes. The Uinta Basin’s rural highways see frequent deer and elk crossings, and comprehensive coverage is the only part of an auto policy that pays for animal-collision damage. Given Vernal’s rural setting, this coverage is worth the modest added cost.
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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.
