Cheapest car insurance in Utah for 2023

The cheapest car insurance companies in Utah

To find cheap car insurance, Utah drivers may first want to understand how rates vary by different types of coverage and drivers. After all, “cheap” is a relative term and will vary based on your unique situation.  In our quest to find cheap Utah car insurance, Bankrate referenced quoted annual premium data from Quadrant Information Services and third-party sources to evaluate financial strength, average premiums and customer satisfaction ratings for some of the top providers in the state.

Cheapest company for minimum coverage

Cheapest company for full coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company after a high-risk incident

The cheapest car insurance companies in Utah by coverage level 

When shopping for cheap insurance, Utah drivers may first want to consider how much coverage they need. Minimum coverage, which refers to the lowest limits you can buy and still drive legally, is often the cheapest option but provides much lower financial protection compared to higher limits. Minimum coverage in Utah costs an average of $539 per year. Full coverage refers to a policy that has both comprehensive coverage and collision coverage added, which pay for damage to your own vehicle. Full coverage costs an average of $1,510 per year in Utah. The table below shows the average annual and monthly premiums for both minimum and full coverage, as well as how much cheaper each company is compared to the state average.

Cheapest cities in Utah for car insurance

Car insurance rates vary by city across the nation, and Utah is no exception. In the quest for cheap auto insurance, Utah drivers probably won’t find it practical to move. But if you’re already considering a move, keep in mind that your location within the state plays a role in your rates. Below are the five cheapest cities for minimum and full coverage and the cheapest company in each city. USAA is the cheapest across the board but only offers coverage to military members and select family members. Geico also offers low average rates and could be a cheap option for low-cost car insurance in Utah if you don’t qualify for USAA.

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

Minimum coverage requirements for Utah drivers

Drivers in Utah must carry at least a minimum amount of car insurance to legally operate a vehicle. According to Utah’s auto insurance laws, drivers need to have the following coverage to register their vehicle and legally get behind the wheel:

• $25,000 bodily injury liability coverage per person
• $65,000 bodily injury liability coverage per accident
• $15,000 property damage liability coverage per accident
• $3,000 personal injury protection (PIP)

A minimum coverage policy is often the cheapest option for Utah drivers. However, insurance experts often recommend that drivers buy higher liability limits for more financial protection. If you have a loan or lease on your vehicle you’ll likely be required to carry full coverage. You may also want to consider full coverage if you don’t have the funds to repair or replace your vehicle out of pocket.

How to get the cheapest car insurance in Utah

If you’re wondering how to save on car insurance in Utah, know that there are plenty of ways. Utah drivers already pay rates that are below the national average, and you can employ a number of strategies to find even cheaper car insurance.

Evaluate your needs

The first step to finding cheap car insurance in Utah is to understand what kinds of coverage and how much coverage you need. If you skip this step, you might find a cheap policy, but you could also undercut your coverage and end up paying high out-of-pocket costs after an accident. Remember that insurance is financial protection. To adequately protect your finances, you may want to talk with a licensed agent about your coverage needs.

Shop around

Each car insurance company uses its own proprietary rating method to determine your premium. This means that prices vary between companies, even for the exact same coverage. Shopping around might help you find the cheapest company for the coverage you need. Getting quotes from other carriers has no downside; quotes should always be free and a quote doesn’t mean you have to buy coverage from a company.

Utilize discounts

Discounts are one of the best ways to find Utah car insurance savings. Most companies offer at least a few, and if you can find a company with low rates and several discounts that you qualify for, you could be well on your way to getting cheap Utah car insurance.

Car insurance discounts in Utah

If you want to save on your Utah car insurance, discounts can be a great way to do it. Some common car insurance discounts include:

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores 

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.