For a 40-year-old driver with a clean record, Vernal car insurance averages about $223 a month ($2,677 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% below the Utah average of $242 a month. GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the six major insurers we compared (Allstate, Auto-Owners, Farmers, GEICO, Progressive and State Farm), at about $159 and $160 a month.
Vernal, the Uintah County seat in northeastern Utah’s Uinta Basin, costs less than the big Wasatch Front cities for our benchmark driver: about $19 a month less than the Utah average and about $38 a month less than Salt Lake City.
Our data covers one ZIP code with a Vernal mailing address, 84078, so every price on this page is for that ZIP code.
Cost data comes from the auto rates insurers file with state regulators, priced in Vernal’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Vernal, UT?
Full coverage in Vernal averages $2,677 a year, or about $223 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,062 a year ($89 a month), and 50/100/50 liability with comprehensive and collision averages $2,557 ($213 a month).
- Full coverage (100/300/100, $500 deductibles): $2,677 a year ($223 a month)
- 50/100/50 with $500 deductibles: $2,557 a year ($213 a month)
- Liability only (25/70/15): $1,062 a year ($89 a month)
- Uintah County: $2,677 a year ($223 a month) for full coverage
- Utah average: $2,908 a year ($242 a month) for full coverage
Cheap Car Insurance in Vernal: Companies Compared
- Lowest averages among the six major insurers we compared, full coverage: GEICO and Auto-Owners, effectively tied at about $159 and $160 a month.
- Next lowest: Progressive at $183, then Allstate at $261.
- Liability only (25/70/15): about $50 to $129 a month across these six insurers.
- Also on our list: USAA at about $115 a month, Nationwide at $127, American Family at $187 and Farm Bureau Financial Services at $264 (USAA sells only to military families).
- Most expensive in our data: State Farm, at about $308 a month, $1,790 a year more than GEICO for the same driver and car.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the six insurers in our Vernal 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, averages run from about $50 to $129 a month across these six insurers; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Vernal
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): |
|---|---|---|---|---|
| GEICO | $875 | $73 | $1,909 | $159 |
| Auto-Owners | $594 | $50 | $1,915 | $160 |
| Progressive | $989 | $82 | $2,198 | $183 |
| Allstate | $914 | $76 | $3,137 | $261 |
| Farmers | $1,547 | $129 | $3,202 | $267 |
| State Farm | $1,452 | $121 | $3,699 | $308 |
| USAA (military families)* | $544 | $45 | $1,377 | $115 |
| Nationwide* | $755 | $63 | $1,522 | $127 |
| American Family* | $1,225 | $102 | $2,245 | $187 |
| Farm Bureau Financial Services* | $901 | $75 | $3,164 | $264 |
| Vernal average | $1,062 | $89 | $2,677 | $223 |
This table uses Vernal’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Vernal?
Raising liability limits from 50/100/50 to 100/300/100 adds about $120 a year on average in our Vernal data, with the same $500 deductibles. That’s about $10 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 and Farmers charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Vernal?
Slightly, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Vernal ZIP code, their full-coverage average rose from $2,816 a year nine months earlier to $2,829 in rates as of Aug. 31, 2026, a 0.5% increase. State Farm cut its Vernal average 1.5%, while Farmers raised its average 4.1%; Allstate’s, GEICO’s and Progressive’s averages were about unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Vernal average above. Liability-only coverage at 25/70/15 limits rose 2.0%, led by Farmers, which raised its liability-only average 14.6%.
What Keeps Car Insurance Costs Down in Vernal
Uintah County averages about $223 a month for full coverage, near the middle of the 21 Utah counties we price and about $37 a month less than Salt Lake County.
Roosevelt, about 27 miles west in Duchesne County, averages about $223 a month, the same as Vernal. Liability-only coverage is where Vernal stands out: about $89 a month at 25/70/15 limits, compared with $113 statewide. Prices depend on where in Utah you live, not just on your car and driving record.
How Vernal 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.
Provo, about 115 miles west, averages $253 a month, and Salt Lake City, about 125 miles west, $261. The city of Price, about 90 miles southwest in Carbon County, averages $213.
What Car Insurance Is Required in Vernal?
Drivers in Vernal 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 Vernal
- Compare GEICO and Auto-Owners first. They have the two lowest full-coverage averages among the six major insurers we compared in Vernal, about $159 and $160 a month.
- Quote several insurers. Among the six major insurers we compared in Vernal, the lowest and highest averages are about $149 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Over the past nine months, State Farm has cut its Vernal average 1.5%, while Farmers has raised its average 4.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Utah home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Vernal 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: six full-coverage premiums from six insurers in Vernal’s ZIP code, 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 Vernal’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code 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 code, 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.
Vernal Car Insurance FAQ
For our benchmark driver, full coverage in Vernal averages about $223 a month ($2,677 a year) and liability-only coverage at 25/70/15 limits about $89 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% below the Utah average of $242 a month.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average in our Vernal rate data, at about $159 and $160 a month. Progressive’s average is next, at $183. For liability-only coverage at 25/70/15 limits, averages run from about $50 to $129 a month across the six major insurers we compared. 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.
Vernal, for our benchmark driver. Vernal full coverage averages about $223 a month and Salt Lake City about $261, a difference of about $38 a month for the same driver and car.
For our benchmark driver, liability-only coverage at 25/70/15 limits averages about $89 a month ($1,062 a year) in Vernal, compared with $113 a month statewide. Utah’s minimum for policies issued or renewed since Jan. 1, 2025, is 30/65/25, so those prices use lower per-person injury and property damage limits than the law requires.
In our Vernal data, full coverage (100/300/100 with $500 deductibles) averages about $223 a month and liability-only coverage at 25/70/15 limits about $89, a difference of about $134 a month ($1,615 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Utah law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new over the past nine months), their Vernal full-coverage average rose 0.5%, from about $2,816 to $2,829 a year. That’s higher than the Vernal average of $2,677 because it leaves out Auto-Owners. State Farm cut its Vernal average 1.5%, while Farmers raised its average 4.1%. Liability-only coverage at 25/70/15 limits rose 2.0%.
For our benchmark driver, full coverage in Vernal averages about $223 a month. Nearby, Provo averages about $253, Orem about $258 and Sandy about $249. Vernal is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- 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.
