Car Insurance in St. George, Utah
Estimated full coverage in St. George runs about $1,370 a year ($114/month) — ▼ −5% versus the Utah average, ranking 9th most expensive of the 9 Utah cities we cover.
Why car insurance in St. George costs less than the Utah average
Insurers price by territory, and St. George's numbers explain most of the gap. With 106,288 residents on 77.4 square miles, the city's density (1,373 people per square mile) is 6% higher than the density where the typical Utah resident lives (1,292). The average commute is 17.2 minutes (Utah: 22.1), and 71% of workers drive alone. Together these put our location factor at 0.96× the state baseline for liability and collision, and 0.89× for comprehensive once FEMA weather risk for Washington County is included.
| Factor | St. George | Utah ref. | Why it matters |
|---|---|---|---|
| Population density | 1,373 / sq mi | 1,292 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 17.2 min | 22.1 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 70.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.7% | — | Transit use lowers how much residents drive. |
| Work from home | 14.2% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.2% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 29.6 | 57.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in St. George
Rates can change from one ZIP code to the next. Across 2 St. George ZIP codes, our full-coverage estimate ranges from $1,320 in 84770 to $1,365 in 84790. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 84790 | 55,892 | 1,156 | 17.7 min | 3.9% | $1,365 | 0% |
| 84770 | 48,397 | 672 | 17.1 min | 4.3% | $1,320 | −4% |
Minimum car insurance in St. George
St. George drivers follow Utah's rules: at least 30/65/25 liability coverage, personal injury protection. Utah is no-fault. We estimate state-minimum coverage in St. George at $625 a year, and $865 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $65,000 per accident or $90,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $3,000 Personal injury protection of at least $3,000 per person is required and pays medical costs and other benefits regardless of fault. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is included unless the named insured affirmatively waives it in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is included unless waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Minimums were raised recently from 25/65/15.
Risk factors that shape St. George premiums
Accidents
Utah recorded 277 traffic deaths, or 0.77 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Utah's vehicle theft rate is 111 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Washington County as very low for hail, relatively high for inland flooding and very low for strong wind.
Traffic & commuting
2.9% of St. George commuters spend an hour or more getting to work, and there are 2.02 vehicles per household. 14.2% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 5.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 6.0 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 93.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 13.4 | Comprehensive; dwelling | |
| Winter weather | 47.3 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in St. George by driver profile
A clean-record driver in their 50s pays the least in our St. George model (about $1,260 for full coverage); an 18-year-old on their own policy pays about $3,770, and a DUI pushes a 30-something to $2,535.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,725 | $2,380 | $3,770 | $314 |
| Young adult (22) | $1,000 | $1,385 | $2,195 | $183 |
| Adult in their 30s | $625 | $865 | $1,370 | $114 |
| Adult in their 50s | $575 | $795 | $1,260 | $105 |
| Senior (72) | $700 | $970 | $1,535 | $128 |
| 30s, one at-fault accident | $910 | $1,255 | $1,985 | $165 |
| 30s, DUI on record | $1,160 | $1,600 | $2,535 | $211 |
Minimum vs. standard vs. full coverage in St. George
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $625 | $52 | $515–$740 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $865 | $72 | $710–$1,020 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,370 | $114 | $1,125–$1,615 |
Estimate your premium in St. George
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Cheap car insurance in St. George: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with St. George's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $70 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $95 | You're among the 14.2% of St. George workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $280 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $505 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $300 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in St. George
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 29 offices listed below.
- Check complaint records with the Utah Insurance Department (complaint information) before you buy.
- Mention your ZIP code accurately — within St. George, our estimates differ by up to $45 a year between neighborhoods.
Car insurance agents near St. George, UT
We found 29 insurance offices within about 7 miles of central St. George, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Seth Porter - State Farm
393 E Riverside Drive, Ste 101, St George, UT 84790 -
Robert Rogers - Farmers Insurance
376 Sunland Dr, Saint George, UT 84790 -
Curtis Mical Terry - Farmers Insurance
283 W Auto Mall Dr, St. George, UT 84770 -
Michael B Ford - State Farm
175 W 900 S, Suite 7, St George, UT 84770 -
Farmers Insurance - Kress Staheli
1224 S River Rd, #B104, St. George, UT 84790 -
Universal Business Insurance
UT -
Workers Compensation Fund
UT -
Udy & Associates, Inc
1240 E 100 S, Ste 103, St George, UT 84790 -
Sherry McGhee - State Farm
67 North 300 East, St George, UT 84770 -
The Shonie Insurance Group, LLC
1240 E 100 S, Ste 8a, Saint George, UT 84790 -
Allstate
UT -
Juli Ann Abernathy - Farmers Insurance
334 W Tabernacle St, Saint George, UT 84770 -
American Family Insurance
UT -
Sally M White Agency Inc
1067 E Tabernacle St, Ste 3, Saint George, UT 84770 -
Alan Gerardo Diaz-Sandoval - Farmers Insurance
165 N 100 E, Saint George, UT 84770 -
Robert's Insurance
UT -
Hafen Insurance
UT -
Todd Christensen - Allstate
280 N Bluff St, Ste A, Saint George, UT 84770 -
The Extra Mile Insurance Agency
230 N 1680 E, Ste G2, Saint George, UT 84790 -
Brian Moore - Farmers Insurance
321 N Mall Dr, St George, UT 84790 -
Tyler Turley - Allstate
929 W Sunset Blvd, Ste 17, Saint George, UT 84770 -
Tre Behunin - Farmers Insurance
1805 W Sunset Blvd, St. George, UT 84770 -
Farmers Insurance
UT -
AAA Insurance & Travel
UT -
Joe Andrus - State Farm
UT -
Jesse G Robinson - Farmers Insurance
41 N 300 W, Washington, UT 84780 -
Ryan Bishop - Allstate
195 W Telegraph St, Ste 4, Washington, UT 84780 -
Laine Matthews & Associates, LLC
195 W Telegraph St, Ste 3, Washington, UT 84780 -
Ryan Bishop Extra Mile Insurance Agency
127 Telegraph Street, Washington, UT
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in St. George
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,045 | −24% |
| Subaru Outback | Wagon | $1,020 | −26% |
| Tesla Model 3 | Midsize car | $1,430 | +4% |
| Subaru Forester | Small SUV | $995 | −27% |
| Honda Civic | Compact car | $1,585 | +16% |
| Toyota Corolla | Compact car | $1,490 | +9% |
| Jeep Wrangler | Midsize SUV | $1,220 | −11% |
| Mazda CX-5 | Small SUV | $1,175 | −14% |
| MINI Cooper | Subcompact car | $1,050 | −23% |
| Tesla Model Y | Midsize SUV | $1,285 | −6% |
Car insurance in nearby Utah cities
- Provo $1,455/yr · 242 mi
- Orem $1,530/yr · 244 mi
- Lehi $1,535/yr · 248 mi
- West Jordan $1,550/yr · 258 mi
- Sandy $1,540/yr · 259 mi
- West Valley City $1,535/yr · 263 mi
- Salt Lake City $1,440/yr · 270 mi
- Ogden $1,515/yr · 299 mi
All Utah cities and state rules · Homeowners insurance in St. George
Frequently asked questions
How much is car insurance in St. George, UT?
We estimate full coverage in St. George at about $1,370 a year ($114 a month) for a driver in their 30s with a clean record, and about $625 for Utah's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in St. George cheaper than the Utah average?
Our St. George estimate is 5% lower than the statewide figure. The model reflects a population density of 1,373 people per square mile (the typical Utah resident lives at about 1,292) and an average commute of 17.2 minutes versus 22.1 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in St. George?
Drivers in St. George follow Utah law: at least 30/65/25 liability coverage plus PIP.
Which ZIP code in St. George has the cheapest car insurance?
Among St. George's 2 ZIP codes, 84770 has the lowest estimate (about $1,320 a year for full coverage) and 84790 the highest (about $1,365), mainly because of differences in density and commute times.
How much is car insurance for a teenager in St. George?
An 18-year-old with their own full-coverage policy would pay around $3,770 a year in St. George by our estimate ($1,725 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in St. George?
Yes. FEMA's National Risk Index rates Washington County for inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in St. George?
We list 29 insurance offices in and around St. George, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Utah Code 31A-22-304 (motor vehicle liability policy minimum limits)
- Utah Code 31A-22-305 (uninsured motorist coverage)
- Utah Code 31A-22-309 (PIP limitations and tort threshold)
- Utah Insurance Department: Auto Insurance
- Utah Driver License Division: SR22 Insurance
- Utah Insurance Department: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (St. George and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places