Cheapest car insurance in Utah for 2025

The cheapest car insurance companies in Utah

Utah drivers pay lower-than-average rates for car insurance, at an average of $2,144  per year for full coverage and $778 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 as its average rates are lower than the national average of $2,670 for full coverage and $773 for minimum coverage.

Key takeaways

• Cheapest company for minimum coverage: USAA
• Cheapest company for full coverage: Nationwide
• Cheapest company for drivers with prior incidents: USAA
• Cheapest company for young drivers: Nationwide

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 less financial protection compared to higher limits. Below you can see the cheapest car insurance companies in Utah for minimum coverage and how their average rates compare to the state average cost of $778 per year.

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
• $25,000 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.

In 2023, the Utah State Legislature voted to raise liability coverage amounts for policies issued or renewed after January 1, 2025. Be aware that starting in 2025, drivers must have the following coverage to meet state insurance requirements:

• $30,000 bodily injury liability coverage per person
• $65,000 bodily injury liability coverage per accident
• $35,000 property damage liability coverage per accident
• $3,000 personal injury protection (PIP)

Full coverage generally refers to a policy that has both comprehensive and collision coverage added, which helps pay for damage to your own vehicle after an accident or another covered incident. Full coverage costs an average of $2,144 per year in Utah. Although it is more expensive than minimum coverage, full coverage provides more robust coverage that might save you a significant amount of money in the event of a serious accident or other covered incident that damages your vehicle.

One of the factors that insurers look at seriously when determining your rate is your driving history. Drivers with accidents and tickets on their record are seen as more likely to get into another accident and file claims, so they typically pay higher car insurance rates. Fortunately, some carriers offer lower rates than others to drivers with incidents on their driving records.

• Cheapest car insurance for drivers with a ticket: USAA
• Cheapest car insurance for drivers with an at-fault accident: USAA
• Cheapest car insurance for high-risk drivers: Progressive

Cheapest insurance company for drivers in Utah with a speeding ticket: USAA

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.

Cheapest insurance company for drivers in Utah with an at-fault accident: USAA

At-fault collisions can have a big impact on your car insurance premium. Generally, a collision you are responsible for will impact your car insurance premium for five years, but that can vary depending 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 drivers with at-fault accidents in Utah, based on our research.

Cheapest rates in Utah for high-risk drivers: Progressive

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. Drivers who are considered high risk may also need to obtain an SR-22 certificate, which is not available from all insurers.

If you’re looking for cheap car insurance in Utah as a high-risk driver, remember that “cheap” is relative. You may be able to 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:

Your age is a primary factor in most states, including Utah, and young drivers will generally pay higher rates than older drivers. However, shopping around and comparing young driver discounts may help you find cheap auto coverage for young drivers in Utah.

• Cheapest Utah car insurance for insuring a teen driver: Nationwide
• Cheapest car insurance for teens with a ticket: USAA
• Cheapest car insurance for teens with an at-fault accident: Nationwide
• Cheapest car insurance young drivers with a DUI: Progressive

Cheapest Utah car insurance for insuring a teen driver: Nationwide

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, the 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, for married couples adding a 16-year-old to their car insurance policy.

Cheapest car insurance for young drivers with a ticket: USAA

Teens already see high average rates, and a speeding ticket can exacerbate these pricey premiums. Fortunately, the following carriers offer the lowest average rates for teens with speeding tickets. The rates below are for an 18-year-old driver with a single speeding ticket conviction.

Cheapest car insurance for young drivers with an at-fault accident: Nationwide

Teens are more likely than any other age group to get into accidents. Because of this, teens with accidents typically see very high car insurance rates. They may even be categorized as high-risk by some carriers. The following companies offer the lowest average rates for an 18-year-old driver with a single at-fault accident on their record.

Cheapest car insurance for young drivers with a DUI: Progressive

Young drivers with DUIs will almost certainly need to seek out high-risk auto coverage. You will likely need to shop around a lot to find a carrier that will offer you coverage at a reasonable price. The following carriers offer the lowest average rates for a 21-year-old driver with a single DUI conviction, but you'll need to request a personalized quote to see if you are eligible for coverage.

If you want to save on your Utah car insurance, seeking out discounts for which you may be eligible can be extremely helpful. Speaking with an agent is one of the best ways to find out what’s on offer that you qualify for. Some common car insurance discounts include:

• Young driver discounts: Insurers know that car insurance can be expensive for young drivers, and most carriers offer at least one discount to help offset the cost. Common savings for teens and young drivers include good student discounts, student-at-school discounts and driver training discounts.
• Safe driver discounts: If you haven’t had an accident or ticket in three to five years (although this varies by insurer), you may qualify for a safe driver or good driver discount. Some companies also offer claims-free discounts, which apply when you haven’t filed an insurance claim in a specified time frame.
• Other discounts: Bundling your auto and home insurance (or renters or condo insurance, if you aren’t a homeowner) is usually one of the most substantial discounts available. You might also save if you sign up for a telematics program, elect to get paperless bills and statements, or pay in full for your entire policy term.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.