How much is car insurance in Utah?
Car insurance in Utah cost an average of $1,285 a year for full coverage in 2023 (NAIC), sitting 11% below the $1,439 national average and coming to about $1,520 a year in Utah today (about $125 a month in August 2026 dollars). In Utah, the law asks for at least 30/65/25 liability, while Utah liability-only policies—the closest NAIC figure to minimum coverage—averaged $746 in 2023 (about $880 today).
Average car insurance cost in Utah: 11% below the US average
Typical Utah full-coverage price today
about $1,520 a year in Utah (about $125 a month)
Utah's 2023 NAIC full-coverage average ($1,285) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Utah rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Utah was the 24th most expensive of the 50 states and DC for full coverage ($1,285 vs $1,439 nationally), but ranked higher on liability alone (18th highest in the US at $746) because liability makes up 58% of a full-coverage Utah bill. Counting every insured car in Utah—both full-coverage and liability-only policies—Utah drivers spent $1,169 per vehicle on average in 2023 (21st highest in the US, about $1,390 today), or 9% ($116) less than Utah's full-coverage combined average.
How Utah compares with Arizona, Colorado, Idaho, and 2 more bordering states
A typical policy in Utah ($1,285 in 2023) costs more than in Idaho and Wyoming and less than in Arizona, Colorado, and Nevada. Among Utah's neighbors, Idaho had the lowest 2023 average ($981, moving to Utah is about $410 more a year) and Colorado had the highest ($1,655, moving to Utah is about $490 less a year).
| State | 2023 average | Moving to Utah from there |
|---|---|---|
| Utah | $1,285 | Current state (Utah) |
| Arizona | $1,505 | About $290 less a year |
| Colorado | $1,655 | About $490 less a year |
| Idaho | $981 | About $410 more a year |
| Nevada | $1,600 | About $420 less a year |
| Wyoming | $1,180 | About $140 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Pennsylvania ($1,273 in 2023, about $1,510 today), Arkansas ($1,296 in 2023, about $1,540 today), Alabama ($1,269 in 2023, about $1,500 today), and Oregon ($1,268 in 2023, about $1,500 today).
Utah: 30/65/25 minimums since 2025 and no-fault PIP rules
- Utah liability (per person / per crash / property)
- $30,000 / $65,000 / $25,000
- Personal injury protection (PIP) in Utah
- Required
- Medical payments in Utah
- Not required
- No-fault system in Utah
- Yes
- Uninsured motorist in Utah
- Included unless you decline in writing
- Underinsured motorist in Utah
- Included unless you decline in writing
Set by Utah Code 31A-22-304, Utah's 30/65/25 minimum pays up to $30,000 per person and $65,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Utah, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Utah is a no-fault state: after a crash, your own Utah policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Utah—the closest NAIC figure to what a Utah minimum policy costs—averaged $746 in 2023 (about $880 in Utah today), the 18th highest of the 50 states and DC. That makes liability 58% of Utah's full-coverage average ($1,285), while the remaining 42% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- Policies issued or renewed on or after Jan 1, 2025: 30/65/25 or a $90,000 combined single limit. Through Dec 31, 2024 it was 25/65/15 or $80,000. 31A-22-302, -305, -305.3 and -309 were amended in the 2026 General Session (effective 5/6/2026); the 304 limits were not changed.
- Checked
- September 22, 2026
- Sources
- Utah Code 31A-22-304
a policy issued or renewed on or after January 1, 2025 ... $30,000 ... $65,000 ... $25,000 ... or (b) $90,000 in any one accident
- Utah Code 31A-22-302
uninsured motorist coverage ... unless affirmatively waived ... underinsured motorist coverage ... unless affirmatively waived ... personal injury protection under Sections 31A-22-306 through 31A-22-309
- Utah Code 31A-22-307
up to the minimum amount required coverage of not less than $3,000 per person
- Utah Code 31A-22-309
may not maintain a cause of action for general damages ... except where the person sustains ... (vi) medical expenses to a person in excess of $3,000.
- Utah Code 31A-22-305 and 31A-22-305.3
the named insured may reject uninsured motorist coverage by an express writing to the insurer
- Utah Code 31A-22-304
Adding a 16-year-old driver in Utah: about $1,010 more a year
Adding a 16-year-old to a Utah policy
about $1,010 more a year
About $85 a month (+66% over a typical Utah adult policy of $1,520), bringing the combined Utah family policy to roughly $1,900–$3,350 a year.
On a separate Utah policy of their own with the same car, a 16-year-old in Utah would pay about $4,370 a year (roughly $3,350–$6,250), so sharing a parent's Utah policy saves about $3,360 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Utah's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Utah
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 on a Utah policy, versus about $1,510 more a year for the 2022 Tesla Model 3 at the top of Utah's list.
| 2022 model | Added to a Utah policy | Own Utah policy |
|---|---|---|
| 2022 Subaru Forester | +$900 in Utah | $3,900 in Utah |
| 2022 Subaru Outback | +$900 in Utah | $3,910 in Utah |
| 2022 Subaru Crosstrek | +$900 in Utah | $3,920 in Utah |
| 2022 Honda CR-V | +$960 in Utah | $4,190 in Utah |
| 2022 Toyota RAV4 | +$980 in Utah | $4,270 in Utah |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Utah
In Utah, a 45-year-old with full coverage pays from about $1,810 a year for a 2024 Acura MDX to about $2,690 for a 2024 Mercedes-Benz C-Class on these Utah sample models.
| Car | 45-year-old in Utah | Adding a teen in Utah |
|---|---|---|
| 2024 Lexus ES | about $2,010 a year | +$1,330 a year |
| 2024 BMW 330i | about $2,550 a year | +$1,680 a year |
| 2024 BMW X3 | about $2,290 a year | +$1,510 a year |
| 2024 BMW X5 | about $2,410 a year | +$1,590 a year |
| 2024 Mercedes-Benz C-Class | about $2,690 a year | +$1,780 a year |
| 2024 Mercedes-Benz GLC-Class | about $2,220 a year | +$1,460 a year |
| 2024 Audi Q5 | about $2,310 a year | +$1,530 a year |
| 2024 Acura MDX | about $1,810 a year | +$1,200 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Utah
- How much is car insurance in Utah?
- In Utah, full-coverage car insurance averaged $1,285 a year in 2023 (the 24th most expensive of the 50 states and DC per NAIC), or about $1,520 a year ($125 a month) in Utah as of August 2026. Utah liability-only coverage averaged $746 in 2023 (58% of Utah's full-coverage figure, or about $880 today), and Utah drivers spent $1,169 per insured car across all policies.
- What are the minimum car insurance limits in Utah?
- Under Utah Code 31A-22-304, Utah requires 30/65/25 liability: $30,000 per person and $65,000 per crash for bodily injury, plus $25,000 for property damage (or a $90,000 single limit). Policies issued or renewed on or after Jan 1, 2025: 30/65/25 or a $90,000 combined single limit. Through Dec 31, 2024 it was 25/65/15 or $80,000. 31A-22-302, -305, -305.3 and -309 were amended in the 2026 General Session (effective 5/6/2026); the 304 limits were not changed.
- How much does adding a 16-year-old teen driver cost in Utah?
- Adding a 16-year-old to a parent's full-coverage policy in Utah adds about $1,010 more a year ($85 a month), bringing the Utah household policy to roughly $1,900–$3,350 a year versus about $4,370 a year (roughly $3,350–$6,250) on a standalone Utah teen policy.
- Is Utah a no-fault car insurance state?
- Yes—Utah uses no-fault auto insurance rules, so your own Utah personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. At least $3,000 per person for medical expenses, plus other listed benefits (e.g., $3,000 death benefit).
- How does Utah's car insurance cost compare with Arizona?
- Utah averaged $1,285 for full coverage in 2023 (NAIC) against $1,505 in Arizona (15% less than Arizona), and moving a sample policy from Arizona to Utah today is about $290 less a year. Other bordering states averaged $1,655 in Colorado, $981 in Idaho, $1,600 in Nevada, and $1,180 in Wyoming in 2023.
Sources for Utah
- Utah average premiums ($1,285 full coverage, $746 liability-only, $1,169 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Utah minimum coverage statutes (Utah Code 31A-22-304; Utah Code 31A-22-302; Utah Code 31A-22-307; Utah Code 31A-22-309; Utah Code 31A-22-305 and 31A-22-305.3), checked September 22, 2026. Page updated for Utah. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.