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How Cities in Utah Ranked Based on Car Insurance Costs

Utah was named the "Best State to Live" in 2012 so it should not be a surprise that the Beehive State has relatively inexpensive auto insurance statewide compared to other states. Nonetheless, some areas are more inexpensive than others, and in this study we explored which cities and towns in Utah were the best and worse for purchasing auto insurance. We found a statewide average premium of $1,148 per year for our sample driver with the most expensive being Kearns at $1,244 per year and the least expensive being St. George at $1,029 per year. 

Table of Contents 

Least Expensive 

With the exception of one city, the least expensive locations come from the state's borders to the north, east and south -- away from Salt Lake City. They range from small towns of less than 10,000 to small cities of over 75,000. They were between 10% and 3% less expensive than the state average. 

Graph showing how the top five least expensive cities in Utah for auto insurance stack up

Saint George

Saint George, once the fastest growing city in the country, is the least expensive spot in our Utah data. The natural wonders of the town make it a popular place to vist. Our driver from Utah's largest populated area outside of Salt Lake City was quoted a yearly premium of $1,029. 

Logan

At nearly the opposite end of the state is Logan, the second least expensive place in our study. The population is a bit over 48,000, many forming part of the Utah State University community. Our sample driver was quoted $1,078 per year, about 6% less expensive than the state average. 

Kanab

The small town of Kanab takes the third spot in our Utah analysis. The town of about 4,000 rests on the Arizona border close to St. George. Our sample driver from ‘Little Hollywood’, nicknamed due its history as a favorite filming location for Old Western movies, was quoted $1,090 per year.

Moab

Moab comes from the state's eastern border and is the fourth cheapest spot in Utah. The small town of 5,000 is known widely for its outdoor recreation due to its extensive hiking trails and terrains. The driver we profiled was quoted $1,099 per year, about 4% less than the state average. 

Kaysville

Whereas the other inexpensive cities are far away from Salt Lake City, Kaysville is the exception, coming in as our fifth least expensive city. Only twenty miles from the center of Salt Lake City, the one-time farming community is now fueled by industries in management, business, and finance. Our sample driver from the city of 28,000 was quoted $1,109 per year. 

Most Expensive 

The most expensive cities on our list all come from Salt Lake City County, where 85% of the state's population resides. Starting from the center of Salt Lake City, you could drive to all of the towns in less than 90 minutes. They ranged from 5% to 8% more expensive than the state average. 

Graph showing how the top five most expensive cities in Utah for auto insurance stack up

Kearns

Kearns is the most expensive spot for auto insurance in Utah. About 30 miles outside Salt Lake City, the town used to be a training facility known as Kearns Army Air Base. Soon after WW2 ended, houses and businesses sprang up creating the city of 35,000 as it is known today. Our sample driver was quoted $1,244 per year. 

West Jordan

West Jordan, one of the fastest growing cities in Utah, is the second most expensive location in our Utah sample. One of the largest cities in Utah, West Jordan is home to over 108,000 people. Our sample driver was quoted $1,211.94 per year. 

Riverton

Riverton, another suburb of Salt Lake City, is the third most expensive city in our study.  In the last few years, the city of 40,000 has transformed from a rural farming town into a suburban city. Businesses, housing, and roads have replaced many of the area’s farms and cattle ranges. Our driver was quoted $1,211.74, making it a tad less expensive than West Jordan. 

Salt Lake City

The capital of Utah itself is the fourth most expensive spot for insurance. By far the most populous city in the state, over 190,000 people claim a home in Salt Lake. Our driver was quoted $1,206 per year for the policy in question. 

Sandy

Sandy is the sixth largest city in Utah, and fifth most expensive in our study. Once a rural mining town, Sandy dramatically changed course when pocket communities emerged to provide services traditionally offered by a city. Our driver was quoted $1,204 per year. 

How Cost Differs by Place In Utah

In this study we analyzed 32 cities and towns across Utah where we found a statewide average of $1,148 per year -- based on our sample driver. The least expensive cities generally came from the state's border areas while the most expensive were suburbs of Salt Lake City.

Rank Cities Average Yearly Premium Percent Difference From Average 
1 Saint George $1,029 -10%
2 Logan $1,078 -6%
3 Kanab $1,090 -5%
4 Moab $1,099 -4%
5 Kaysville $1,109 -3%
6 Richfield $1,109 -3%
7 Tooele $1,112 -3%
8 Brigham City $1,115 -3%
9 Syracuse $1,115 -3%
10 Clearfield $1,116 -3%
11 Midvale $1,119 -3%
12 Price $1,123 -2%
13 Layton $1,128 -2%
14 Bountiful $1,133 -1%
15 Roy $1,139 -1%
Average  $1,148 0%
16 Roosevelt $1,151 0%
17 Heber $1,154 0%
18 Nephi $1,155 1%
19 Ogden $1,158 1%
20 Provo $1,162 1%
21 Orem $1,169 2%
22 Lehi $1,172 2%
23 Park City $1,172 2%
24 Springville $1,178 3%
25 Spanish Fork $1,182 3%
26 Draper $1,185 3%
27 South Jordan $1,204 5%
28 Sandy $1,204 5%
29 Salt Lake City $1,205 5%
30 Riverton $1,210 5%
31 West Jordan $1,210 5%
32 Kearns $,1244 8%

How We Conducted This Study

We collected quotes from a variety of insurance companies across 32 towns and cities in Utah.  Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeUtah MinimumStudy Limits 
Bodily Liability  $25,000 per person / $65,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $15,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI None $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
None
$50,000 per accident 
Personal Injury Protection (PIP) $3,000 $3,000
Comprehensive & Collision None  $500 Deductible 

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