Published car-insurance premium data for Utah
The lowest single filed rate anywhere in this survey is $332 and the highest is $4,672 — 14.1× apart, for defined hypothetical drivers.
Utah Insurance Department · rates-effective date not published by the source — the Utah Insurance Department dates these comparison tables only by edition year (2025) and states no rates-effective date anywhere on the page, in the Rate Selection Criteria or in the table markup. · six-month premiums · 432 filed rates · retrieved 9 August 2026 · source document
This source publishes no rates-effective date
not published by the source — the Utah Insurance Department dates these comparison tables only by edition year (2025) and states no rates-effective date anywhere on the page, in the Rate Selection Criteria or in the table markup. We record the date we retrieved it — 9 August 2026 — as a separate field, and no page on this site presents that retrieval date where a rates date belongs.
- Driver profiles published
- 6
- ZIP codes published
- 4
- Filed rates behind these pages
- 432
- Policy term
- six-month
What UID publishes, and why it looks like this
The Utah Insurance Department publishes comparison tables for 6 standardised consumer profiles across 4 ZIP codes, drawn from the largest writers in the state by written premium.
Premiums are for a six-month term, which the department states in its own rate-selection criteria. The page heading describes an annual comparison; that is the publication cycle, not the policy term, and reading it as the term would double every figure. No rates-effective date is published anywhere on the page, so these pages carry no year in their titles and show the edition year and our retrieval date instead. Cells where a company was not writing new business are excluded rather than counted as zero.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Utah Insurance Department for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
The average auto insurance rates featured in the comparison table below are based on a standardized consumer profile: Vehicle: 2025 Hyundai Kona Usage: Driven to and from work or school, 3 to 15 miles one way Driving record: Clean (no accidents or violations) Credit history: Mid-range Coverage limits: Bodily Injury (BI) 50/100, Property Damage (PD) $50,000, UMBI/UIMBI 50/100, and Personal Injury Protection (PIP) $3,000 Deductibles: $500 for Comprehensive and Collision (Note: one insurer's deductible is $1,000) Discounts: No special rates or promotional discounts applied Policy period: 6-month term Complaint ratio: The complaint ratio represents the number of valid consumer complaints received per $100,000 of an insurer's earned premium. Loss and expense ratio: The combined loss and expense ratio is, losses paid combined with administrative expenses compared to premiums. *NA in the table means that the policy type is not offered through this specific insurer. You should contact the company directly to verify if coverage can be obtained via an affiliate. The tables below can be sorted by clicking on the column name. Ogden — 84403 The 2025 edition is the current one, published under Utah Code §31A-2-208.5; the department publishes no rates-effective date for these tables, so none is carried here — only the date this data was retrieved. Premiums are for a six-month policy term; "annual" in the department's title describes the publication cycle, not the policy period. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile UID publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Single Male (Age 20) Single Male (Age 20). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $623 | $1,367–$1,616 | $4,672 |
| Single Female (Age 20) Single Female (Age 20). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $639 | $1,300–$1,535 | $3,856 |
| Divorced Male (Age 39) Divorced Male (Age 39). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $389 | $760–$871 | $2,037 |
| Divorced Female (Age 39) Divorced Female (Age 39). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $425 | $730–$870 | $2,042 |
| Married Couple (Age 39) Married Couple (Age 39). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $332 | $651–$762 | $1,997 |
| Married Couple (Age 70) Married Couple (Age 70). The average auto insurance rates featured in the comparison table below are based on a standardized… | 4 | $333 | $661–$800 | $2,006 |
The other dimension of this survey
UID rates 4 ZIP codes as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per ZIP code, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Ogden (ZIP 84403)
- Taylorsville (ZIP 84123)
- Fillmore (ZIP 84631)
- Hurricane (ZIP 84737)
What Utah requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Utah sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for Utah?
- No. They are rates insurers filed with Utah Insurance Department for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for Utah?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $332 and the highest is $4,672, both for defined hypothetical drivers.
- Are these six-month premiums?
- Utah Insurance Department publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Utah Insurance Department, no rates-effective date published. Retrieved 9 August 2026. 432 filed rates aggregated into 24 published distributions; no per-insurer figure is stored or shown.