Auto Insurance in Utah — Average Cost 2026
Average auto insurance in Utah: $1,640/year ($137/month). Utah ranks #24 out of 51 states — below the national average.
Average annual
$1,640
Average monthly
$137
National rank
#24
of 51 states
vs national avg
-7.9%
Utah vs national average
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Auto insurance in Utah
Utah sits 8% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Utah tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Utah drivers hundreds of dollars annually.