The countrywide average auto premium is about $1,258/year (NAIC, 2022). Utah sits near the national average for auto insurance cost.
Est. State Avg (illustrative)
$1,350
Minimum Coverage
$25K/$65K/$15K + PIP
Uninsured Driver Rate
7.3%
Uninsured driver rate: Insurance Research Council (IRC) 2022 estimates (published 2023), via the Insurance Information Institute. National average: 14.0%.
No free public authority publishes a reliable city-by-city average premium, so we don’t invent one. What is verifiable: the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and by the NAIC’s 2021 average-expenditure data, utah sits near the national average for auto insurance cost. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — always compare quotes from several insurers.
Utah requires all drivers to carry minimum liability insurance of 25/65/15 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Utah is a no-fault state requiring drivers to carry Personal Injury Protection coverage, though the state's minimum PIP requirement of only $3,000 is the lowest mandatory PIP threshold in the country among no-fault states. This minimal PIP requirement means Utah drivers who rely on the minimum may face significant out-of-pocket medical expenses after an accident. Utah's rates are generally low, and the state's competitive market — with many carriers actively writing business — provides meaningful shopping opportunity.
The Wasatch Front — the urban corridor running from Provo through Salt Lake City to Ogden — carries significantly higher rates than rural Utah due to population concentration, growing congestion, and elevated accident frequency. Utah's dramatic growth in the Salt Lake metro has put increasing pressure on insurance rates as traffic volumes rise. The state's mountain terrain creates winter driving challenges, and wildlife collisions — particularly with deer on mountain highways — make comprehensive coverage valuable. Utah's overall litigation environment is moderate, helping to keep liability costs in check.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
No free authority publishes a precise Utah average, so treat any single number as a ballpark. For national context, the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and utah sits near the national average for auto insurance cost. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — compare quotes from several insurers.
Utah requires at least $25K/$65K/$15K + PIP in liability coverage to drive legally. These minimums are often not enough to cover a serious accident, so many drivers carry higher limits — a common recommendation is 100/300/100.
An estimated 7.3% of drivers in Utah are uninsured. Because of that, adding uninsured/underinsured motorist coverage is worth considering — it protects you if an at-fault driver has no insurance or too little.
Compare quotes from at least five insurers, bundle auto with home or renters, raise your deductible, and claim every discount you qualify for (safe driver, good student, low mileage). For the same coverage, premiums in Utah can differ by $500–$1,500 between carriers.
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.