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Best car insurance in Utah for 2024

Updated Apr 11, 2024
Geico, USAA, State Farm, and Progressive Insurance offer the best policies in the state.
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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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Best car insurance companies in Utah

The average annual cost of auto insurance in Utah is $747 for state-mandated minimum coverage and $2,036 for full coverage, which includes optional collision and comprehensive coverage. Using data gathered by Quadrant Information Services, Bankrate determined average rates for the top companies writing policies in Utah.

In addition to average rates, we also looked at coverage options, discount availability, digital tools, financial strength ratings from AM Best and customer satisfaction scores from the 2023 J.D. Power Auto Insurance Study. We then assigned Bankrate Scores out of a possible five points to help you quickly compare carriers as you narrow down the best car insurance carriers in Utah for you. Based on our analysis, these include Geico, USAA, State Farm, Progressive and Auto-Owners.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,331
$529
4.4
Rating: 4.4 stars out of 5
$1,292
$440
4.2
Rating: 4.2 stars out of 5
$1,391
$404
4.3
Rating: 4.3 stars out of 5
$4,088
$1,493
4.3
Rating: 4.3 stars out of 5
$1,403
$483

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$111/mo

Avg. full coverage premium

$1,331/yr

Customer satisfaction

809/1,000

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$108/mo

Avg. full coverage premium

$1,292/yr

Customer satisfaction

804/1,000

USAA

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$116/mo

Avg. full coverage premium

$1,391/yr

Customer satisfaction

879/1,000

State Farm

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$341/mo

Avg. full coverage premium

$4,088/yr

Customer satisfaction

835/1,000

Auto-Owners

Auto-Owners

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$117/mo

Avg. full coverage premium

$1,403/yr

Customer satisfaction

808/1,000

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How Bankrate chose the best car insurance companies in Utah

To find the best car insurance in Utah, Bankrate’s insurance editorial team analyzed a host of metrics, including AM Best ratings, J.D. Power customer satisfaction scores, discount availability and online accessibility. Additionally, we studied premium data provided by Quadrant Information Services. Using this information, we calculated each company's Bankrate Score ranging from 0.0 to 5.0. Our goal is that our holistic scoring model aims to help drivers get a complete view of how well a company may perform while they shop for new car insurance.

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Why you can trust Bankrate

Read our full methodology

To help Utah drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

How to find the best car insurance in Utah

Finding the best car insurance in UT will depend on your unique needs and financial situation. Consider these strategies to help you narrow down the best carrier and coverage choices for your circumstances.

Related content:

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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

How much is car insurance in Utah?

The average car insurance cost in Utah is $747 annually for minimum coverage and $2,036 annually for a full coverage policy. This average rate is well below the national average for full coverage, which is $2,314 per year, while minimum coverage is $644 per year. Utah's average full coverage rates may be less expensive because it is not as heavily populated as other states, which may mean less crowded roadways and a lower risk of accidents.

Utah drivers also experience lower average annual rates than their neighbors. Arizona drivers pay an average of $792 for minimum and $2,536 for full coverage; while in Nevada, the average minimum coverage policy is $913, with full coverage coming in at $2,997.

The rates below represent up-to-date quoted annual premiums gathered through Quadrant Information Services. However, your rates may be more or less expensive based on personal factors.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Utah

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance