Taking into account the average cost of car insurance in all 50 states, Utah drivers. On average, most pay about $354 for minimum coverage and $1,281 for full coverage. Still, that’s not a small amount of money, so finding cheap car insurance is often a priority.
The Utah Department of Health reports that a crash occurs at least every 10 minutes, and that someone is injured from a crash every 23 minutes. Fortunately, all of the providers discussed below are known for both customer service and lower premiums than average.
The cheapest car insurance in Utah
Even though Utah is not the most expensive state for car insurance, you should still shop around to get the best rate. In our research, we found that the most affordable providers in Utah often offer numerous discounts to pair up with their already low premiums.
Based off of our research, here are the top 5 insurance providers offering the cheapest car insurance in Utah.
|Car Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|Iowa Farm Bureau||$446||$1,052|
USAA services both active and retired military members as well as their immediate family. Though it’s an exclusive company, it’s a well received one. Year after year, it receives top marks from companies like J.D. Power for its customer satisfaction.
The only drawback to USAA is that it doesn’t offer that many discounts compared to other companies on this list, but the ones it does are obviously geared towards their target audience. For example, you can save up 15% on your policy whenever your car is garaged while you’re on active duty. Regardless, don’t take USAA’s lack of discounts against it as it currently offers the cheapest auto insurance in Utah.
Geico offers cheap rates naturally without any discounts, but it also offers a wide range of discounts, and easily offers much more than the average provider. Plus, the amount you can save with each discount is often significant. If you’re a military member, for example, you can save 25% for emergency deployment, and if you insure multiple vehicles with Geico you can save an additional 25%.
Farmers Insurance is middle of the road on our list when it comes to minimum coverage, and is the most expensive when it comes to full coverage (though still very cheap when compared to other companies). What Farmers excels at, however, is discounts. Most drivers should be able to easily take advantage of numerous discounts. A favorite is its multi car discount, where you can save 20% for insuring multiple vehicles with Farmers.
Iowa Farm Bureau
Iowa Farm Bureau offers both cheap minimum coverage as well as cheap full coverage. It’s unique when it comes to discounts, as members get discounts for things other than car insurance. For example, members can take advantage of discounts when purchasing far equipment, prescriptions, hotel rooms and even rental cars. Potential members will need to weigh the cost savings they’ll receive in other areas of their life before deciding whether Iowa Farm Bureau is the right company for them.
Nationwide isn’t the cheapest provider on our list, but it offers discounts that can save you big money on your premium, including the SmartRide discount, which is a usage based discount. The less you drive, the more you save. Also, if you’re a homeowner, you should take a look at the multi-policy discount, too. Members who bundle home and car insurance with Nationwide are reported to save an average of $646 a year.
Affordable coverage for Utah drivers
Utah requires all drivers to have 25/65/15 in liability protection. In English, this means:
- $25,000 per person for bodily injury/ death
- $65,000 per accident for bodily injury/ death
- $15,000 for property damage
Additionally, Utah drivers are required to have at least $3,000 in personal injury protection (or PIP).
Compared to other states, Utah’s minimum liability requirements are good when it comes to bodily injury. It’s not so great when it comes to property damage. If you’re driving a new car, for example, it’s easy to imagine the damages exceeding $15,000. For this reason alone, many drivers should consider purchasing more protection.
How to get cheap car insurance in Utah
Finding cheap car insurance in Utah largely depends on your willingness to shop around. Shopping around is important because there are many variables that an insurance provider uses to determine what you pay. For example, one company may weigh your credit score more so than another company. Meanwhile, another may consider your marital status to be important. The point is, companies don’t advertise their pricing algorithms, so you never know exactly what premium you’ll be offered until you apply for a quote.
Once you’ve received a fair amount of quotes, you’ll then need to compare discounts. Though the amount of discounts a company offers is important, what’s more important are the discounts that you could use. Determine how much you’d save with each discount to further narrow down companies. Some companies don’t readily advertise how much you’ll save with each discount, so you may need to call and speak with a representative.
Improving your credit score is another option to lower your premium, as is opting for a higher deductible. If you choose a higher deductible, just be prepared to receive less cash should you get into an accident.
Frequently asked questions
What is the best car insurance in Utah?
Determining the best car insurance in Utah is actually a complicated process because there are many factors you could consider. For an in-depth dive, read our Best Car Insurance in Utah article.
Is Utah a no-fault state?
Yes, Utah is a no-fault state. In addition to have basic coverage, Utah drivers also need to purchase PIP coverage, too.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.