Best car insurance in Utah for 2025

To find the best car insurance companies in Utah, we developed a proprietary Bankrate Score system that takes several metrics into account. Our insurance editorial team analyzed average car insurance premiums from Quadrant Information Services and reviewed coverage options, discounts, policy features, customer satisfaction scores from J.D. Power and financial strength ratings from AM Best. We also looked at accessibility and ease of use for policy management through online and mobile resources.

Insurance companies are graded on a weighted scale of 5.0 points, with a score closer to 5.0 indicating strong performance across these categories. If you are shopping for the best auto insurance in Utah, our research might help you find a carrier that fits your needs.

Car insurance is highly personalized, with multiple factors unique to you and your vehicle all influencing your rate. You may be looking for the cheapest possible coverage, for example, or perhaps you'd rather have a company with top-notch customer service rankings. You might be looking for a company with good discounts for teen drivers, or perhaps you'd like one that offers benefits for senior drivers. 

If you have a car loan or lease your vehicle, your lender may also have a say in what types of insurance you will need. Many may require you to purchase full coverage, which includes collision and comprehensive insurance. Thoroughly consider your priorities and keep them in mind when comparing quotes and coverage options. 

It's easy to find online reviews of car insurance companies, although the quality of them may vary depending on the source. One respected source is J.D. Power, which has several annual surveys that monitor customer and claims satisfaction. Another organization, AM Best, keeps track of insurers' financial stability, with high ratings for companies that manage their finances well, meaning they are likely to pay out quickly on claims.

The National Association of Insurance Commissioners (NAIC) Complaint Index is another reliable source of information. This index marks the number of complaints lodged against any company in a given year compared to its size and the industry average. 

Major insurance companies — such as State Farm or Progressive — usually have a robust digital presence and 24/7 customer service. But it can be worth considering smaller or regional companies as well.

Smaller companies generally spend less on advertising, for one thing, and may be able to pass the savings on as lower rates for policyholders. Regional companies also tend to have a solid understanding of the needs of drivers in their area, and could offer customized policies designed for these risks. In addition, smaller companies may be more connected to the community, supporting businesses and charities locally and hiring agents who live in the area they cover. 

There are several strategies you can take to help lower your car insurance premiums. Shopping around for the lowest price is a good way to start your search. Although it's easy to obtain quotes from many insurers' websites, it can be a good idea to talk to a live agent, who can ensure that your quote includes all the discounts you are eligible for. If you are generally a safe and careful driver, see if your chosen carrier offers a telematics program. This usually involves downloading an app which records real-time data on your driving skills. If you follow speed limits and exhibit other safe driving practices, you can save up to 40 percent from some insurers.