Car insurance in Utah
Drivers in Utah paid $1,285 a year for full coverage in 2023, 11% below the national average. With prices up since, figure on about $1,520 today. In Utah, the law asks for at least 30/65/25 liability.
What people pay in Utah
A typical yearly price today
about $1,520 a year (about $125 a month)
Utah's average full-coverage cost in 2023 was $1,285, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,520.
That makes Utah the 24th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Utah next to its neighbors
A typical policy in Utah costs more than in Idaho and Wyoming and less than in Arizona, Colorado, and Nevada.
| State | Typical price, 2023 | Moving to Utah from there |
|---|---|---|
| Utah | $1,285 | Not a move |
| Arizona | $1,505 | About $300 less a year |
| Colorado | $1,655 | About $510 less a year |
| Idaho | $981 | About $420 more a year |
| Nevada | $1,600 | About $430 less a year |
| Wyoming | $1,180 | About $140 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Utah's law asks for
- Liability (per person / per crash / property)
- $30,000 / $65,000 / $25,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Utah is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $746 in Utah in 2023 (about $880 today, brought up the same rough way), the 18th highest of the 50 states and DC. That's about 58% of the full-coverage price; the rest pays to fix or replace your own car.
Utah requires at least $30,000 per person and $65,000 per crash for injuries, plus $25,000 for property damage, on policies issued or renewed since January 1, 2025. Your policy also must include $3,000 of personal injury protection. Uninsured and underinsured-motorist coverage are included unless you turn them down in writing.
What we couldn’t confirm: We didn't read the law that requires owners to carry insurance directly; that part rests on the insurance code's reference to it. We marked medical payments coverage not required because PIP already covers medical bills.
- Combined limit you can use instead
- $90,000
- Personal injury protection
- At least $3,000 per person for medical expenses, plus other listed benefits (e.g., $3,000 death benefit).
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage match your liability limits (or the insurer's maximum, if lower). You can turn them down or buy lower limits by signing a form, but uninsured motorist coverage can't go below the state's injury minimums.
- Checked
- September 22, 2026
A new teen driver in Utah
Adding a 16-year-old to a typical policy
about $1,010 more a year
About $85 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,900–$3,350 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,370 a year in Utah (roughly $3,350–$6,250).
What adding a teen costs comes from California's published prices, so the range is wide, and Utah may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Utah, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $900 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,510 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$900 a year | $3,900 a year |
| 2022 Subaru Outback | +$900 a year | $3,910 a year |
| 2022 Subaru Crosstrek | +$900 a year | $3,920 a year |
| 2022 Honda CR-V | +$960 a year | $4,190 a year |
| 2022 Toyota RAV4 | +$980 a year | $4,270 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Utah (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Utah's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.