Average Car Insurance Cost in Utah
Numbers refreshed
For Utah, NAIC averages by coverage, along with the national rank.
- Full coverage averages $1,403 a year.
- Minimum liability limits: 30/65/25.
- Most expensive state, 25th of 51 (1st = highest).
Utah average cost by coverage
In Utah, the average price for full coverage is $1,403 a year. That figure is 13% lower than the US yearly average of $1,613.
Average spending for each insured car was $1,170 in 2023 and $1,281 in 2024, a 9.5% rise.
| Coverage in Utah | Per year | Per month |
|---|---|---|
| Liability | $812 | $68 |
| Collision | $414 | $35 |
| Comprehensive | $176 | $15 |
| Full coverage (all three) | $1,403 | $117 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Utah compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Missouri | 22nd | $1,462 | $122 |
| Oklahoma | 23rd | $1,454 | $121 |
| New Mexico | 24th | $1,422 | $118 |
| Utah | 25th | $1,403 | $117 |
| Alaska | 26th | $1,399 | $117 |
| Pennsylvania | 27th | $1,396 | $116 |
| Alabama | 28th | $1,388 | $116 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Averages blend every age and record together. The Utah calculator adjusts for your own details.
First written