When you buy a car, there are a bunch of other expenses besides the car itself. And one of the most expensive of these costs is what you have to pay for car insurance each month.  

If you live in Utah, you may be wondering if car insurance is expensive there. The short answer is it depends. Some insurance policies are, and some are not. 

Really, there are a lot of factors that you first have to consider to be able to know whether car insurance is really expensive or not (we’ll cover the big ones below). However, the good news is car insurance in the state of Utah is not that expensive compared to the national average. 

But how much is car insurance in Utah exactly? Read on to find out the average cost of premiums in Utah and the factors that affect the cost.

How Much Is Car Insurance In Utah?

As we just mentioned, the answer to that depends. That is because certain factors will affect how much car insurance premiums get in Utah. 

But to give you an idea, the average cost of car insurance premiums in the state of Utah in 2022 is $1,112 per year. Utah’s car insurance coverage is lower than the national average, which is $1,483 per year.  

If you are only planning to have minimum coverage, Utah’s average car insurance rate in 2022 ranges between $332 to $793 per year.

On the other hand, the average cost of car insurance premiums in Utah in 2022 ranges from $1,186 to $1,492 for full coverage. 

So, as you can see, the amount of car insurance coverage you get (minimum coverage vs a more comprehensive policy) is a big factor that affects the rates of your car insurance. 

The car insurance provider is another factor that affects how much car insurance premiums you will pay in Utah. 

Car Insurance Companies In Utah 

The car insurance company that offers the cheapest rates for the minimum coverage is USAA; their premiums per year are only $278 for minimum coverage. 

Conversely, the most expensive car insurance minimum coverage comes from Farmers. Their car insurance premiums cost $1,272 per year for minimum coverage. 

As for the cheapest car insurance, the total coverage also comes from USAA, only $839 per year. Meanwhile, the most expensive full coverage for car insurance also comes from Farmers, $2,738. 

Age

Another thing that will affect the car insurance rates in Utah is your age. Utah’s cheapest car insurance rates are premiums for drivers in their 50s.

Their yearly premiums are only $991.52 on average. Much like most states, in Utah the younger the driver, the more expensive the premiums. For example, the car insurance premiums for 17 years old are $5,009.45 per year, while for 30 years old, they are only $1,076.56. 

Driving History 

Another factor influencing auto insurance premiums in Utah is a driver’s driving history. The average annual premium for drivers who have been involved in an accident at their fault ranges from $1,500 to $1,600. Meanwhile, if the driver is arrested and charged with a DUI, their vehicle insurance costs will climb to $1,522.40 per year.

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