Who Has the Cheapest Car Insurance in Utah? (2024)
Auto-Owners has the best cheap car insurance in Utah, at $114 per month for full coverage and $51 per month for liability only.
Find Cheap Auto Insurance Quotes in Utah
Best cheap car insurance in Utah
How we chose the top companies
Best and cheapest car insurance in Utah
- Cheapest full coverage: Auto-Owners, $114/mo
- Cheapest minimum liability: Auto-Owners, $51/mo
- Cheapest for young drivers: Farm Bureau, $149/mo
- Cheapest after a ticket: Auto-Owners, $114/mo
- Cheapest after an accident: Auto-Owners, $188/mo
- Cheapest for teens after a ticket: Farm Bureau, $169/mo
- Cheapest after a DUI: Progressive, $154/mo
- Cheapest for poor credit: Progressive, $209/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Auto-Owners has the best mix of great customer service and cheap rates in Utah. However, it doesn't offer online quotes, so you'll have to contact a local agent to compare rates.
American Family is the best company in Utah for drivers looking to quickly compare quotes online. It has reliable customer service, although it's typically more expensive than Auto-Owners.
Although Progressive offers online quotes and has cheap quotes for some drivers, it's customer service reviews aren't very good. It may take Progressive longer to get you back on the road after a crash.
Cheapest car insurance in Utah for full coverage: Auto-Owners
Auto-Owners has the cheapest full coverage car insurance in Utah.
At $114 per month, full coverage from Auto-Owners is $74 less expensive than the Utah state average. The average cost of car insurance in Utah is $188 per month for full coverage.
Find Cheap Auto Insurance Quotes in Utah
Utah drivers with military connections can also find cheap quotes at USAA. Full coverage from USAA costs $104 per month, which is $10 per month less than Auto-Owners.
However, only military members, veterans and their families can buy insurance from USAA.
Cheapest auto insurance in Utah for full coverage
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $114 |
| Progressive | $129 |
| American Family | $147 |
| Geico | $196 |
| Allstate | $209 |
*USAA is available only to current and former military members and their families.
Cheapest car insurance in Utah for liability only: Auto-Owners
Auto-Owners has the cheapest minimum coverage car insurance in Utah, at $51 per month.
That's 38% cheaper than the statewide average, which is $82 per month.
Those who are eligible should also get car insurance quotes from USAA. It's the cheapest company in Utah, at $41 per month. But, it's available only to military members, veterans and their families.
Best cheap auto insurance in Utah
Company | Monthly rate |
|---|---|
| Auto-Owners | $51 |
| Farm Bureau | $52 |
| Progressive | $68 |
| American Family | $86 |
| Geico | $92 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Utah
Cheapest Utah car insurance for teens: Farm Bureau & Auto-Owners
Farm Bureau has the cheapest minimum coverage rates in Utah for young drivers.
Farm Bureau costs around $149 per month for minimum coverage for an 18-year-old in Utah. That's $127 per month cheaper than the Utah average, which is $276 per month. However, full coverage from Farm Bureau is very expensive for young drivers.
Auto-Owners has the cheapest full coverage rates for Utah teens. At $376 per month, full coverage from Auto-Owners is $240 less than the state average of $616 per month.
Best cheap Utah auto insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $149 | $795 |
| Auto-Owners | $194 | $376 |
| Progressive | $243 | $638 |
| American Family | $260 | $447 |
| Geico | $269 | $544 |
The average 18-year-old in Utah pays more than three times more for car insurance than a 30-year-old driver. That's because new drivers are more likely to be in a car accident.
After comparing rates from multiple companies, you might still find that your quotes aren't affordable. Young drivers in Utah can save money on car insurance by:
- Sharing a policy with their parents. Having a combined insurance policy with your parents is almost always less expensive than buying two separate policies.
- Asking about potential discounts. You could save with discounts for getting good grades, taking safe driving classes and having a safe car.
- Getting rid of unnecessary coverage. If you have an older car that's not worth much, you might not need collision and comprehensive coverage. And you may not need roadside assistance if you have a car warranty or another roadside package, like AAA.
Cheapest car insurance in Utah after a ticket: Auto-Owners
Auto-Owners has the cheapest car insurance in Utah after a speeding ticket. Full coverage from Auto-Owners costs $114 per month after one ticket. That's half as much as most Utah drivers pay after a single ticket. It's also $51 per month less expensive than the second-cheapest company, Progressive.
Best car insurance in Utah after you get a speeding ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $114 |
| Progressive | $165 |
| American Family | $188 |
| State Farm | $226 |
| Allstate | $232 |
Cheap car insurance in Utah after an accident: Auto-Owners
Auto-Owners is the cheapest insurance company in Utah after an at-fault accident. At $188 per month, full coverage from Auto-Owners is $99 per month cheaper than the state average.
Most affordable car insurance in Utah after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $188 |
| Progressive | $196 |
| American Family | $234 |
| State Farm | $246 |
| Allstate | $300 |
The average cost of car insurance in Utah goes up by 52% after an accident. That's an average increase of $98 per month for a full coverage policy.
Having an accident on your driving record shows insurance companies you might be a risky driver. But not all companies raise rates by the same amount. For example, State Farm raises rates by only 17% after a crash, on average, while Geico's rates go up by an average of 89%.
Best Utah car insurance for teens with a ticket or accident: Farm Bureau
Farm Bureau has the most affordable car insurance in Utah for young drivers who have a speeding ticket or accident.
Minimum coverage from Farm Bureau costs $169 per month after a ticket, and $232 per month after an accident. That's 47% and 39% cheaper than the state average for an 18-year-old, respectively.
Cheapest auto insurance in Utah for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $169 | $232 |
| Auto-Owners | $194 | $299 |
| Progressive | $256 | $277 |
| American Family | $313 | $429 |
| Geico | $318 | $436 |
Teen drivers in Utah see their rates go up by an average of 15% after a speeding ticket and 37% after an at-fault accident.
Cheapest Utah car insurance quotes after a DUI: Farm Bureau
Progressive has Utah's cheapest auto insurance rate after a DUI, at $154 per month for full coverage. That's less than half as much as the state average, which is $317 per month.
Cheapest Utah car insurance with a DUI
Company | Monthly rate |
|---|---|
| Progressive | $154 |
| American Family | $188 |
| Allstate | $283 |
| Auto-Owners | $299 |
| Farm Bureau | $327 |
A DUI in Utah can more than double your insurance rate, depending on the company. Progressive raises rates by an average of just 19%, while Auto-Owners and State Farm both double rates, on average.
It can be helpful to compare quotes from multiple companies after a change in your driving record to make sure you get the best rate.
But keep in mind that if you have accidents, tickets or a DUI on your driving record, you'll be viewed as a riskier driver. That might make it more likely you'll be dropped by a new company if you get another ticket or cause another accident. Sometimes it's best to stay with a company if you have a history with them. If you're not sure of the best thing to do, talk with a licensed agent.
Cheapest car insurance in Utah for drivers with poor credit: Progressive
Progressive has the best quotes for Utah drivers with poor credit, averaging $209 per month for full coverage. That's 43% cheaper than the Utah average, and $54 per month cheaper than the second-best option, American Family.
Best Utah car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $209 |
| American Family | $263 |
| Auto-Owners | $307 |
| Geico | $361 |
| Allstate | $369 |
Drivers with poor credit pay nearly twice as much for auto insurance in Utah as drivers with good credit.
That's because insurance companies have found that drivers with lower credit scores tend to file more insurance claims. So even though credit ratings don't affect your ability to drive safely, you'll usually pay more for coverage.
Best car insurance in Utah
USAA is the best company for Utah drivers, based on its excellent customer service and cheap quotes.
However, USAA is available only to military members, veterans and some of their family members.
State Farm, Farm Bureau and Auto-Owners are some of the best Utah car insurance companies if you don't qualify for USAA. All three companies have reliable customer service, along with affordable car insurance, in Utah.
Best Utah car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
Utah drivers looking for cheap car insurance shouldn't focus on cost alone.
You should choose a company with a mix of affordable rates and dependable customer service. After a car accident, you don't want a long or frustrating claims process that could delay getting your car fixed.
Average car insurance cost in Utah by city
Moab, a rural town near Arches National Park, has the cheapest car insurance quotes in Utah, averaging $165 per month for full coverage.
The most expensive city in the state for insurance is West Valley City, a suburb of Salt Lake City, at $218 per month.
Utah car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Alpine | $195 | 3% |
| Altamont | $183 | -3% |
| Alton | $174 | -8% |
| Altonah | $185 | -2% |
| American Fork | $193 | 2% |
Average insurance prices in Utah may range by $53 per month for full coverage. Factors including road quality, car theft rates and traffic congestion can change your insurance rates, depending on where you live.
Minimum car insurance requirements in Utah
Drivers in Utah must have a minimum amount of bodily injury and property damage liability insurance. This requirement is often written as 25/65/15.
You must also have a small amount of personal injury protection (PIP) insurance, sometimes called "no-fault insurance," which helps pay for your own injuries after an accident, even if you weren't at fault.
- Bodily injury liability: $25,000 per person and $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection: $3,000 per accident
In Utah, PIP coverage contains two parts:
- A $3,000 limit covering necessary medical expenses and rehab after an accident. If someone covered under the policy dies in an accident, the $3,000 of coverage will be given to their heirs.
- A $1,500 funeral allowance if your passenger dies as a result of the accident.
What's the best car insurance to get in Utah?
Full coverage car insurance in Utah costs an average of $106 per month more than minimum liability coverage. That's because liability insurance only covers injuries to others and damage to their property if you cause an accident.
Full coverage insurance includes comprehensive and collision insurance, which pays for damage to your own car. Utah's weather can be harsh and unpredictable all year round, so comprehensive coverage is especially important because it covers damage caused by weather.
Full coverage also typically has higher liability limits than the state requirements. That's important in Utah, where the state requirements may not be high enough to cover the cost of a major accident.
For example, Utah requires only $15,000 of property damage liability. But if you crash into a brand new or expensive car, that probably won't be enough to replace it.
Most lenders require you to have full coverage insurance if you have a car loan or lease. You should also consider a full coverage policy if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
What is the cheapest auto insurance in Utah?
Auto-Owners has the cheapest full coverage quotes in Utah, averaging $114 per month. It also has the most affordable minimum coverage rates, with an average of $51 per month.
How much is car insurance per month in Utah?
The average price for a full coverage policy in Utah is $188 per month. Minimum coverage car insurance costs an average of $82 per month.
What insurance is required in Utah?
You're required to have $25,000/$65,000 of bodily injury liability and $15,000 in property damage coverage in Utah. You also need at least $3,000 of personal injury protection, as Utah is a no-fault state.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Utah for the state's largest auto insurance companies. Rates are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Full coverage quotes include more liability and PIP than the minimum requirements, as well as comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.