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Auto insurance rates, minimum coverage requirements, and driver statistics for Utah (UT).
Avg Annual Premium
$1,610
$116 below national avg
Cost Rank
#33
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
8.2%
of drivers
Min Liability
$530/yr
Legal minimum
Average Premium
$1,610/yr
State average
Full Coverage
$1,610/yr
Comprehensive + Collision
Utah requires:
25/65 / 15 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,347 | $4,910 | $3,784 |
| 20-25 | $2,898 | $3,220 | $2,576 |
| 26-35 | $1,771 | $1,851 | $1,690 |
| 36-45 | $1,610 | $1,642 | $1,578 |
| 46-55 | $1,530 | $1,562 | $1,497 |
| 56-65 | $1,481 | $1,513 | $1,449 |
| 65+ | $1,690 | $1,739 | $1,642 |
Rates shown are annual averages for each age group in Utah. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Utah | National Avg |
|---|---|---|
| Average Annual Premium | $1,610 | $1,726 |
| Uninsured Rate | 8.2% | 11.1% |
| Registered Vehicles | 2,683,040 | 5,330,804 |
| Accidents per Year | 40,245 | 79,962 |
Population
3,272,000
Registered Vehicles
2,683,040
Accidents per Year
40,245
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.