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Cheapest car insurance in Utah for 2023
Geico, USAA and Auto-Owners have cheap average car insurance rates in Utah.
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What To Know First
Utah drivers pay lower-than-average rates for car insurance, at an average of $1,510 per year for full coverage and $539 per year for minimum coverage. If you’re looking for cheap car insurance in Utah, you may have an easier search than you would in many other states. However, you may be able to find even lower premiums with a bit of research. Bankrate searched for affordable car insurance in Utah, and we know that rates vary based on several driving metrics. After examining average annual premiums pulled from Quadrant Information Services, we found that the cheapest car insurance in Utah comes from the following companies:
- Cheapest company for minimum coverage: Geico
- Cheapest company for full coverage: USAA
- Cheapest company for adding a teen driver: Geico
- Cheapest company for getting a speeding ticket: Geico
- Cheapest company for being in an at-fault accident: Geico
- Cheapest company after a high-risk incident: Progressive
On This Page
- The cheapest car insurance companies in Utah
- The cheapest car insurance companies in Utah by coverage level
- Cheapest cities in Utah for car insurance
- Factors that impact cheap rates in Utah
- Minimum coverage requirements for Utah drivers
- How to get the cheapest car insurance in Utah
- Car insurance discounts in Utah
- Frequently asked questions
- Methodology
Cheapest insurance providers in
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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The rates above are based on a single driver with a Toyota Camry, no accidents, and good credit. Answer a few questions about what you drive and how you drive it and get a personalized set of rate that are ready to buy if you are.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $26 | $308 |
Cheapest company for full coverage
Company | Average monthly full coverage premium | Average annual full coverage premium |
---|---|---|
USAA | $82 | $979 |
Cheapest company for adding a teen driver
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $63 | $751 |
Cheapest company for getting a speeding ticket
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $29 | $350 |
Cheapest company for being in an at-fault accident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $39 | $465 |
Cheapest company after a high-risk incident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Progressive | $49 | $588 |
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.
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$26
|
Average annual minimum coverage premium
$308
|
Annual savings vs. State average*
- $231 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$26
|
Average annual minimum coverage premium
$310
|
Annual savings vs. State average*
- $229 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$36
|
Average annual minimum coverage premium
$428
|
Annual savings vs. State average*
- $111 |
Sentry
|
Average monthly minimum coverage premium
$36
|
Average annual minimum coverage premium
$436
|
Annual savings vs. State average*
- $103 |
Nationwide
3.9
Bankrate Score
|
Average monthly minimum coverage premium
$42
|
Average annual minimum coverage premium
$500
|
Annual savings vs. State average*
- $39 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$82
|
Average annual full coverage premium
$979
|
Annual savings vs. State average*
- $531 |
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$84
|
Average annual full coverage premium
$1,010
|
Annual savings vs. State average*
- $500 |
Nationwide
3.9
Bankrate Score
|
Average monthly full coverage premium
$99
|
Average annual full coverage premium
$1,186
|
Annual savings vs. State average*
- $324 |
Auto-Owners
4.2
Bankrate Score
|
Average monthly full coverage premium
$101
|
Average annual full coverage premium
$1,206
|
Annual savings vs. State average*
- $304 |
Progressive
4.2
Bankrate Score
|
Average monthly full coverage premium
$106
|
Average annual full coverage premium
$1,274
|
Annual savings vs. State average*
- $236 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
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.
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Green River | $419 | USAA | $247 |
Thompson | $419 | USAA | $247 |
Moab | $420 | USAA | $247 |
Torrey | $420 | USAA | $239 |
Teasdale | $421 | USAA | $239 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
La Verkin | $1,373 | USAA | $948 |
Saint George | $1,373 | USAA | $948 |
Toquerville | $1,375 | USAA | $948 |
Rockville | $1,378 | USAA | $948 |
Holden | $1,379 | USAA | $889 |
Factors that impact cheap rates in Utah
Car insurance rates are affected by a number of different factors, including certain events — like getting into an accident or adding a new driver to your policy. Here are several scenarios that may cause your car insurance rate to increase, and the cheapest companies for those scenarios.
Insuring a teen driver
When you add a teen driver to your policy, your car insurance premium will very likely increase. This is because young drivers lack experience and are more likely to get into accidents than older drivers. However, your premium should start to drop as the driver gets older and gains experience on the road, assuming they keep a clean driving record. In the meantime, you may want to look for discounts aimed at young drivers, like savings for getting good grades in school, to save on car insurance in Utah. You can also shop around to find lower rates; the companies below are the cheapest in the state, on average, when you have a 16-year-old driver on your policy.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $751 | $2,399 |
USAA | $844 | $2,386 |
Nationwide | $852 | $1,910 |
Allstate | $1,091 | $4,179 |
Auto-Owners | $1,219 | $2,981 |
Getting a speeding ticket
A speeding ticket in Utah is a relatively minor offense compared to other traffic violations, but speeding is still an unsafe driving behavior that can lead to accidents. Consequently, having a speeding ticket conviction on your record will likely cause your car insurance rate to increase, usually for three to five years. Having a clean driving record will ensure you are paying the lowest rate, but below are the five cheapest car insurance companies in Utah with a speeding ticket factored in.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $350 | $1,156 |
USAA | $390 | $1,235 |
Nationwide | $554 | $1,298 |
Sentry | $555 | $1,619 |
Auto-Owners | $578 | $1,543 |
Getting into an at-fault accident
At-fault collisions can have a big impact on your car insurance premium. Generally, a collision you are responsible for will remain on your record for five years, but that can depend on the location and the severity of the crash. If you have accident forgiveness on your policy prior to the incident, however, you may avoid a rate hike for your first at-fault crash. You could consider switching to one of these companies once your claim is closed. These five carriers have the lowest rates for at-fault accidents in Utah, based on our research.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $465 | $1,533 |
USAA | $486 | $1,494 |
Nationwide | $591 | $1,422 |
Auto-Owners | $715 | $1,911 |
Farmers | $750 | $1,926 |
Being deemed a high-risk driver
High-risk drivers typically pay the highest car insurance rates due to the potential for a costly claim payout. You might be considered high risk if you have been convicted of a DUI, have a very low credit score or have been caught driving uninsured. Some high-risk drivers need to purchase coverage from a non-standard carrier that has more relaxed underwriting standards, or will be required to obtain an SR-22 from an insurer that will offer it. If you’re looking for cheap car insurance in Utah as a high-risk driver, remember that “cheap” is relative. You can maybe find Utah car insurance savings by shopping around, but your premiums will still likely be relatively high. If you have a DUI conviction on your record, you might want to check out the following five carriers:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Progressive | $588 | $1,451 |
USAA | $622 | $1,986 |
Geico | $706 | $2,284 |
Farmers | $715 | $1,852 |
Alpha Insurance Group | $778 | $2,918 |
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.