Skip to main content
TrueDriveCost

Average car insurance cost in Utah

Drivers in Utah pay about $2,688 a year for full-coverage car insurance on average. Your own rate depends on your car, driving record, coverage limits and ZIP code — but the state average sets the baseline, and it feeds directly into the real cost of owning a car here.

Fold it into your total cost to own

The calculator below starts with Utah’s average insurance and taxes. Adjust the car and your mileage to see your five-year cost.

The car & the loan
$
$
$
%
%
months
yrs
Running costs
MPG
$/gal
$
$
$

5-year true cost to own

$64,941

$12,988 per year · $0.96 per mile

Per month

$1,082

Loan payment

$962

Resale value

$26,950

Depreciation

$22,050

Amount financed

$47,989

Total miles

67,500

Where your money goes over the years

  • Depreciation$22,050 · 34%
  • Fuel / energy$10,004 · 15%
  • Insurance$13,440 · 21%
  • Maintenance & repairs$6,000 · 9%
  • Loan interest$9,707 · 15%
  • Taxes & fees$3,739 · 6%

Defaults use national averages (AAA, EIA, FHWA); change any field to match your situation. Depreciation is an estimate — a specific model can hold value better or worse.

The numbers behind this estimate

Sourced figures last verified 2026-11-07
FigureValueSource · verified
Sales tax on vehiclesIncludes 1.25% mandatory local; combined ~7.42%.6.1%Tax Foundation — State & Local Sales Tax Rates, Midyear 2026 · 2026-07-06
Avg. full-coverage insurance$2,688/yrValuePenguin — Car Insurance Rates by State 2026 · 2026-07-08
Registration feeAge-based uniform fee (in lieu of property tax), under-3-yr tier (down to $10 for older vehicles); plus base registration; title $6.$150Utah DMV — Uniform Fees · 2026-11-07

Car insurance cost by state