Utah drivers pay, on average, $1,306 annually for full coverage car insurance and $528 annually for minimum coverage. To find the cheapest car insurance, Utah drivers may want to consider not only a company’s average rates, but also its coverage and discount options, financial strength scores and customer service reviews. Bankrate has analyzed the largest auto insurance companies by market share in Utah to help you in your search for affordable car insurance.
Auto insurance is more than just a legal requirement in Utah — it could be one of the most important financial protections you can have. The Utah Department of Health reports that a car crash occurs at least every eight minutes, someone is injured from a crash every 20 minutes and someone dies every 33 hours. Accidents can be costly, especially if injuries are involved. Auto insurance can help protect you from the financial devastation of causing an accident.
The cheapest car insurance in Utah
Because car insurance is a required expense, many drivers want to find the cheapest company possible. While there are other factors to consider when shopping for auto insurance, such as customer service ratings and the availability of digital tools, finding a low premium is often a priority when considering which insurance company to choose.
Bankrate obtained average annual premiums from the top carriers in Utah, based on market share. Based on our research, these providers consistently offer some of the cheapest average rates in Utah:
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
USAA services both active and retired military members as well as their immediate family members. If you are eligible for coverage with USAA, it may be a good choice. Year after year, USAA receives top J.D. Power marks for its customer satisfaction, although it is not eligible to receive an official ranking due to its eligibility restrictions. The company also offers numerous discounts to its members, including a military installation discount, a good student discount and a length-of-membership discount.
Learn more: USAA Insurance review
Geico offers low rates prior to adding any savings opportunities, but it also offers a wide range of discounts to help you save even more money. You may qualify for a discount if you are a military member or a federal employee, a good student, a safe driver or if you have taken a driver training course. Geico may also be a good choice if you like to handle your policy digitally. The company’s website and mobile app allow policyholders to manage many aspects of their policy themselves.
Learn more: Geico Insurance review
Farmers’ average premiums are in the middle of our list, but both minimum coverage and full coverage are still below Utah’s average. The company does not advertise many discounts online, but you might save by maintaining a clean driving record, bundling your policies or signing up for the company’s telematics discount, Signal. Farmers offers several optional coverages, including ridesharing coverage, customized equipment coverage and spare parts coverage. The company even has insurance options for collectible cars.
Learn more: Farmers Insurance review
Auto-Owners’ average premiums may be slightly higher than the state’s average, but that could be due to the company’s extensive optional coverages. You may be able to customize your policy by adding options like loan/lease gap coverage, diminished value coverage, rental car reimbursement and roadside assistance. Auto-Owners also offers numerous discounts to help you lower your premium, including a hefty paid-in-full discount, a paperless discount and a multi-policy discount if you bundle your auto policy with a home or life insurance policy.
Learn more: Auto-Owners Insurance review
Progressive offers an impressive list of optional coverages and discounts, allowing you to tailor your policy to your needs. You could consider options like custom parts and equipment coverage, ridesharing coverage and a deductible savings bank. And you might be able to lower your premium by getting a quote online, buying your policy online or having continuous insurance. One of Progressive’s most unique features is the Name Your Price tool, which allows you to enter your car insurance budget and then shows you different coverage options within your price range.
Learn more: Progressive Insurance review
Minimum coverage for Utah drivers
Like most states, Utah does have minimum car insurance coverage requirements. Utah requires all drivers to have 25/65/15 in liability protection. This means that you must have at least the following limits to legally drive in Utah:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 for property damage
Additionally, Utah drivers are required to have at least $3,000 in personal injury protection (or PIP).
Utah’s minimum limits are not as low as some states, but could still leave you with out-of-pocket expenses if you cause an accident. Most insurance professionals advise that you purchase higher liability limits if you can afford to.
Additionally, state minimum limits do not include any coverage for damage to your own vehicle. For that, you will need full coverage. If you have a loan or lease on your car, your lender will likely require you to carry full coverage insurance.
How to get cheap car insurance in Utah
Although Utah’s average full coverage premium is quite a bit lower than the national average cost of car insurance, it may be possible to find cheaper coverage. There are several steps you can take that could help you find coverage to fit your budget.
- Shop around Obtain quotes from several insurance companies. This allows you to compare coverages, discounts and premiums. Every company has its own rating algorithm, so the best car insurance company may be different for everyone. For example, someone with a clean driving record will receive different quotes than someone who has had multiple accidents.
- Take advantage of discounts: Insurers typically offer multiple discounts that may be applied to your policy. Consider asking an agent which ones you qualify for before settling on a company.
- Work on your driving record: Maintaining a clean driving record could help you keep your insurance costs low by reducing your insured risk.
Frequently asked questions
What is the best car insurance company in Utah?
Because everyone’s insurance needs are different, the best auto insurance company in Utah will vary. Some companies may be better suited to insuring teen drivers, others might specialize in classic or antique cars and still, others may be better options for those who have multiple policies. Getting quotes from a range of companies can be a good strategy to narrow down your options.
Is Utah a no-fault state?
Yes, Utah is a no-fault state. No-fault insurance refers to your personal injury protection coverage, which pays your medical bills and the bills of your passengers, up to your coverage amount, regardless of who is at fault for an accident.
What happens if I drive without insurance in Utah?
Car insurance is a legal requirement in Utah. If you are caught driving without insurance, you could be fined or have your license suspended. And if you cause an accident, you are still responsible for paying for the damages and injuries. Without car insurance, you will have to pay out of pocket. If you are unable to, it could lead to a lawsuit. Although a car insurance policy can feel like an extra expense, it could save you from a lot of financial struggle.
How do I get a car insurance quote in Utah?
Many companies offer quotes online, but you could also call a company or visit a local agency. You will need the name, date of birth and drivers license number for each licensed driver in your household and any driver who regularly uses your vehicle. You will also need the vehicle identification number (VIN) of each car you want to insure. Having an idea of the coverages you want to purchase can be helpful, but an agent should be able to help you decide what levels are appropriate for your situation.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.