Utah Auto Insurance Rates
Median premium: $799/6mo across 10 carriers and 347 ZIP codes.
Premiums range from $479 to $1,170 — a 2.4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$799
per 6 months
ZIP Codes
347
with rate data
Carriers
10
rated in UT
Price Spread
2.4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $540 | 347 ZIPs | 100% | |
| 2 | State Farm | $690 | 0 ZIPs | 0% | |
| 3 | American Family | $712 | 0 ZIPs | 0% | |
| 4 | GEICO | $750 | 0 ZIPs | 0% | |
| 5 | Progressive | $788 | 0 ZIPs | 0% | |
| 6 | Farmers | $810 | 0 ZIPs | 0% | |
| 7 | Nationwide | $825 | 0 ZIPs | 0% | |
| 8 | Travelers | $840 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $862 | 0 ZIPs | 0% | |
| 10 | Allstate | $975 | 0 ZIPs | 0% |
1
$540USAA#1 in 347 ZIPs (100%)
2
$690State Farm#1 in 0 ZIPs (0%)
3
$712American Family#1 in 0 ZIPs (0%)
4
$750GEICO#1 in 0 ZIPs (0%)
5
$788Progressive#1 in 0 ZIPs (0%)
6
$810Farmers#1 in 0 ZIPs (0%)
7
$825Nationwide#1 in 0 ZIPs (0%)
8
$840Travelers#1 in 0 ZIPs (0%)
9
$862Liberty Mutual#1 in 0 ZIPs (0%)
10
$975Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Utah
| City | Avg Median | ZIPs |
|---|---|---|
| Ogden | $479 | 13 |
| Price | $559 | 1 |
| Aneth | $559 | 1 |
| Blanding | $559 | 1 |
| Bluff | $559 | 1 |
Most Expensive Cities in Utah
| City | Avg Median | ZIPs |
|---|---|---|
| Herriman | $958 | 1 |
| Woods Cross | $958 | 1 |
| Woodruff | $958 | 1 |
| Whiterocks | $958 | 1 |
| Wendover | $958 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$958/6mo
84098 (Park City)
Cheapest ZIP
$479/6mo
84201 (Ogden)
2.4x
Price Spread
The most expensive ZIP in Utah costs 2.4x more than the cheapest. Your ZIP code matters more than you think.
Utah Auto Insurance FAQ
ZIP Code Lookup
Enter your ZIP code to compare rates across all 10 carriers.
All carriers in Utah
Want to see rates for your ZIP code?
Access ZIP-level rate data across all 10 carriers, 347 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
Other states
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasVermontVirginiaWashingtonWest VirginiaWisconsinWyoming