Published averages can show how age often shows up in a quoted rate. They cannot tell you what you will pay. The figures below are from dated, first-party sources, and they measure different sample drivers.
What a Utah average can and cannot say
There is no official Utah table that lists the average premium actually paid by every age group in the state. The National Association of Insurance Commissioners publishes statewide written-premium averages, but not averages by age. The figures people share online are usually quoted rates for a made-up sample driver, then averaged. The age, car, limits, and date all change the result.
That is why two reputable sources can disagree and both be accurately reported. Read the source, the date, and the sample next to any dollar amount on this page. None of these numbers is a quote, a prediction, or a promise that shopping will lower your rate.
If you want to compare what you currently pay with a published Utah average, you can check if you're overpaying for car insurance with the free checkup. It uses one statewide average, not a different average for every age.
Utah figures for a sample 35-year-old
NerdWallet’s November 2026 Utah analysis, updated November 2, 2026, reported average quoted rates of $2,435 a year for full coverage and $906 a year for minimum coverage. Those quotes were for a sample 35-year-old driver and one 2023 Toyota Camry LE, with a full-coverage package that included 100/300/50 liability, uninsured motorist 100/300, and collision and comprehensive with $1,000 deductibles. The page states that the figures come from Quadrant Information Services.
Those are the same figures used as the comparison benchmark on the free checkup. They describe a sample 35-year-old, not a 16-year-old, not a 70-year-old, and not the average of every policy written in Utah.
Utah sample quotes for 18- and 30-year-old drivers
A separate 2026 study, ValuePenguin’s “Car Insurance Rates by State: 2026 Comparison,” updated July 8, 2026, published Utah monthly quoted rates for 18-year-old and 30-year-old drivers:
- Full coverage: $778 a month for the 18-year-old sample and $224 a month for the 30-year-old sample. Multiplied by 12, that is $9,336 and $2,688 a year.
- Minimum liability: $366 a month for the 18-year-old sample and $102 a month for the 30-year-old sample. Multiplied by 12, that is $4,392 and $1,224 a year.
ValuePenguin describes those quotes as coming from Quadrant Information Services, across ZIP codes, for a sample 30-year-old man with good credit who drives a 2018 Honda Civic EX. Full coverage in that study used 50/100/50 liability, uninsured or underinsured motorist 50/100, and $500 comprehensive and collision deductibles, plus required PIP. The 18-year-old column uses the same study’s teen sample, not the 30-year-old profile with the age field simply changed in this article.
Because the car, limits, deductibles, and sample age differ from NerdWallet’s 35-year-old Camry example, do not treat $2,688 and $2,435 as two measurements of the same “Utah average.” They are two dated quote studies. Both can be cited; they are not interchangeable.
National rates by age, for context only
NerdWallet also publishes national average quoted rates by age and gender, with the page updated July 1, 2026, and the rates table refreshed in November 2026. Those figures are nationwide, not Utah-specific. They are included here only to show the usual shape of the curve: quoted full-coverage rates are much higher at age 20 than in midlife, tend to be lower through the 50s and 60s, and rise somewhat again at age 70 in that national table.
In that November 2026 national refresh, sample full-coverage annual quoted rates included $4,420 for a 20-year-old woman and $4,995 for a 20-year-old man; $2,414 and $2,448 at age 30; $2,345 and $2,366 at age 35; $2,275 and $2,294 at age 40; $2,105 and $2,122 at age 50; $2,008 and $2,039 at age 60; and $2,133 and $2,186 at age 70. Minimum-coverage national figures in the same table were much lower at every age and followed a similar pattern.
Do not read those national dollars as Utah prices. A statewide market, a local ZIP code, and a specific household will not match a national sample.
Why age often changes a quoted rate
Age is commonly used as a rating factor because it often stands in for driving experience and, in crash data, for risk. Newly licensed drivers have less time behind the wheel. A 16- or 18-year-old added to a family policy can change the premium even when the parents’ record has not changed. As drivers move through their 20s and 30s, many quoted rates in the studies above come down, then level off in midlife.
Later in life, the picture is less of a straight line. National quoted rates in NerdWallet’s November 2026 table are lower at 60 than at 40, then higher at 70 than at 60. That is a national sample, not a rule for every Utah household. Mileage, health-related driving changes, and the vehicle can matter as much as a birthday.
Age is only one factor. Driving record, the vehicle, the garaging ZIP code, coverage limits, deductibles, mileage, household drivers, and, where Utah law allows it, a credit-based insurance score can all move a quote. Utah Code §31A-22-320 limits how credit information may be used on motor-vehicle policies, including restrictions at renewal. Whether credit applied to a policy is a question for the insurer.
What to do with these numbers
Use them as context, not as a target price. If you are 18, a 35-year-old statewide average will usually look low next to a teen quote, and that gap does not by itself mean you are being treated unfairly. If you are 50, a teen figure will usually look high. Compare what you pay with a study that is close to your coverage type, and still treat the result as a sample, not a personal rate.
Renewal is a good time to confirm that the listed drivers, ages, and vehicles are still right, and that the limits still fit. If you want a simple comparison with the published 35-year-old Utah average used on this site, run the free checkup. For legal minimums, read Utah’s 30/65/25 auto minimums. For a broader “how much coverage” discussion, see how much car insurance you may need in Utah.
A licensed review with Trenton Lewis at Advance Insurance in Orem can look at the actual declarations page. It still cannot promise a lower rate.
Check if you're overpaying for car insurance
Is there an official Utah average premium for each age group?
No. The NAIC publishes statewide written-premium averages, not averages by age. Age figures cited here come from dated quote studies for sample drivers and are not the average of every policy written in Utah.
Why do NerdWallet and ValuePenguin list different Utah amounts?
They measured different sample drivers, cars, limits, deductibles, and dates. NerdWallet’s November 2026 Utah figures are for a sample 35-year-old and a 2023 Camry. ValuePenguin’s July 8, 2026 state study lists 18- and 30-year-old monthly quotes for a different sample. Both can be cited; they are not interchangeable, and neither is a personal quote.
Are the national age tables the same as Utah prices?
No. NerdWallet’s age-and-gender table, refreshed November 2026, is nationwide. It is shown only as context for how quoted rates often change with age. It is not a Utah average.
Can this article tell me what I should pay at my age?
No. Age is only one rating factor. Record, vehicle, ZIP code, coverage, and, where allowed, credit can all change a quote. A free checkup compares what you pay with one published Utah average; it is not a quote or a promise of a lower rate.
A quote request does not bind insurance. General education only; applicable law, eligibility, underwriting, and policy terms control.
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