What affects your rate in Utah
Utah limits how credit-based insurance scores may be applied to auto rates.
How Utah compares
| 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).
Frequently asked questions
How much does car insurance cost in Utah?
The average driver in Utah pays about $1,285 per year — roughly $107 a month — for full-coverage car insurance, according to the NAIC 2023 Auto Insurance Database Report. State-minimum coverage typically costs much less.
Is car insurance more expensive in Utah than the U.S. average?
No. At $1,285 per year, Utah is about 11% below the national average of $1,438. That ranks it 24th out of 51 states and D.C. by cost.
Why is car insurance cheaper in Utah?
Utah limits how credit-based insurance scores may be applied to auto rates.
Does Utah use your credit score to set car insurance rates?
Yes. Like most states, Utah lets insurers use credit-based insurance scores, so a stronger credit tier can lower your rate. Only four states (California, Hawaii, Massachusetts, Michigan) ban it.
How can I lower my car insurance in Utah?
Compare quotes from several insurers, raise your deductible, bundle auto with home or renters, and keep a clean driving record. For the same driver, premiums in Utah can differ by hundreds of dollars between companies, so shopping around is the biggest lever.
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). See our full methodology.