Full Coverage Car Insurance in Utah
Numbers refreshed
Priced from the Utah averages, this package covers liability, collision and damage that isn't from a crash.
- $117.is the average monthly cost of full coverage.
- 30/65/25.the lowest liability limits you can carry.
- 25th of 51.the most expensive state (1st = highest).
Utah's full coverage price
Full coverage puts collision and damage from events other than a crash on top of liability. Those two parts add $590 a year in Utah, plus the $812 liability average.
| 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).
The point where full coverage stops paying off
If you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh its value against the $590 a year that extra cover costs. When one bad year of premiums would cover most of the car, liability only usually makes more sense.
Utah full coverage by car
These estimates come from IIHS-HLDI loss results and cover an adult with a clean record. Of the 40 models we price, here are the cheapest and the most expensive:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $877 | $73 |
| Honda CR-V | $912 | $76 |
| Subaru Outback | $961 | $80 |
| Chevrolet Corvette | $1,080 | $90 |
| Kia Forte | $1,866 | $155 |
| Chevrolet Camaro | $2,135 | $178 |
| Dodge Charger | $2,569 | $214 |
| Dodge Challenger | $2,578 | $215 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Additional reading on car insurance in Utah
First written