The average driver in Utah pays about $1,285 a year for full coverage — about 11% less than the US average of $1,438. That ranks Utah #24 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $617, a high-loss one well over $9,463.
Utah insurance cost by coverage
Average Utah premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Utah
Utah legally requires at least 30/65/25 in liability coverage — $30,000 bodily injury per person, $65,000 per accident, and $25,000 property damage. PIP is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Utah
Estimated annual premium in Utah, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Utah
The priciest cars to insure in Utah — powerful, theft-prone and costly to repair.
Utah insurance cost by year
Utah premiums are up about +22% since 2019. Average Utah premium by year:
| Year | Utah avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Utah's largest cities
Rates vary within Utah by city and ZIP — dense metros like Salt Lake City run above the state average, while smaller towns run below. Estimated typical premium in Utah's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Salt Lake City | $1,414/yr | +10% urban |
| West Valley City | $1,375/yr | +7% urban |
| Provo | $1,349/yr | +5% urban |
| West Jordan | $1,336/yr | +4% urban |
| Orem | $1,311/yr | +2% urban |
| Sandy | $1,298/yr | ≈ state avg |
| Ogden | $1,285/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.