Car insurance in Utah is cheaper than most states.

The average driver here pays $1,285/year — 11% below the national average, and higher than 27 of 50 other states.

$1,285

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Utah is in the 53rd percentile nationally

See your own number

Start with your ZIP — takes 10 seconds, no signup.

ZIP code

Driver age

Driving record

Credit tier

Coverage

Your estimate

$1,285 /yr

Utah average · full coverage · clean record

Compare real quotes →

What affects your rate in Utah

Utah limits how credit-based insurance scores may be applied to auto rates.

How Utah compares

Average full-coverage premium per year
Benchmark	Per year
Utah	$1,285
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Utah (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).