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Best car insurance in Utah for 2023

Updated Apr 11, 2023
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Best car insurance companies in Utah

The average annual cost of auto insurance in Utah is $539 for state-mandated minimum coverage and $1,510 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 J.D. Power's 2022 Auto Insurance Study to narrow down the best car insurance carriers in Utah. Based on our analysis, these include Geico, USAA, State Farm, Progressive and Auto-Owners.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly full coverage premium
$84
Average annual full coverage premium
$1,010
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southwest region)
856
/1,000
Average monthly full coverage premium
$82
Average annual full coverage premium
$979
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly full coverage premium
$148
Average annual full coverage premium
$1,772
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly full coverage premium
$106
Average annual full coverage premium
$1,274
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly full coverage premium
$101
Average annual full coverage premium
$1,206
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$308
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Southwest region)
856
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$310
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly minimum coverage premium
$55
Average annual minimum coverage premium
$659
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly minimum coverage premium
$44
Average annual minimum coverage premium
$526
Auto-Owners
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly minimum coverage premium
$36
Average annual minimum coverage premium
$428
Powered by Coverage.com (NPN: 19966249)
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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

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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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.

Best for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827 AM Best: A++

Average annual premium

$ 1,010 for full coverage
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Why Geico made our list: Drivers interested in finding low rates may be interested in Geico's long list of discounts. In addition to low average premiums, Geico extends potential savings for company, military and school affiliations, multi-vehicle, bundling and more. The carrier also has a full-service mobile app and an online portal where you can request a quote, update your policy, order roadside assistance or file a claim. However, Geico primarily does business over the phone and online, so it may not be the best option for those who prefer to do business in person.

Who Geico may be good for: Drivers looking for cheap car insurance in Utah could consider getting a quote from the company. It may also appeal to those who value robust digital tools for virtual policy management. 

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 856 AM Best: A++

Average annual premium

$ 979 for full coverage
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Why USAA made our list: Though not officially ranked due to its eligibility requirements, USAA is consistently one of the highest-scoring carriers among the J.D. Power customer satisfaction studies in all regions of the country. While customer service appears to be a priority for the carrier, not everyone qualifies for coverage. USAA is only available for active-duty and retired military personnel and their immediate family members. USAA offers a decent selection of coverage options and discounts but stands out for its military-focused options, like a potential discount for garaging your vehicle on base. 

Who USAA may be good for: If you or one of your immediate family members is an active-duty or retired military member, USAA may be one of the best carriers for you. The company may also be ideal for shoppers seeking top-notch customer service. 

Read full USAA Insurance review

Bes for local offices

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 848 AM Best: A++

Average annual premium

$ 1,772 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: Not only is State Farm the largest provider of auto insurance in the U.S. based on market share, but it has plenty of coverage options, discounts and driving programs available. The popular Drive Safe and Save usage-based program and Steer Clear for teens are two examples of programs designed to help drivers in Utah save even more. However, according to our rate analysis, State Farm may not be the cheapest insurance company in Utah, so this company might not be the best fit for those on a tight budget.

Who State Farm may be good for: If you want to be able to thoroughly review your policy with an in-person agent, State Farm could be worth considering. It may also appeal to drivers who want to participate in a telematics program, as it offers two to choose from based on your age. 

Read full State Farm Insurance review

Best for streamlined shopping experience

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 800 AM Best: A+

Average annual premium

$ 1,274 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Progressive made our list: Progressive could be an excellent choice for drivers looking for a personalized policy that fits their budget. Not only does Progressive offer plentiful discount opportunities, such as its Snapshot telematics program, but it also offers its Name Your Price tool, which could help shoppers find coverage within their budget. However, Progressive ranked towards the bottom of the 2022 J.D. Power U.S. Auto Insurance Study. Additionally, it scores just above baseline on the National Association of Insurance Commissioners (NAIC) customer complaint index for private passenger coverage. Drivers looking for top-notch service may want to read customer reviews to get a sense of what it’s like to be a Progressive policyholder.

Who Progressive may be good for: The Name Your Price tool walks you through choosing your coverage package, helping you find the right level of insurance for your budget. Because of this, Progressive may be an attractive carrier for those buying their first car insurance policy. 

Read full Progressive Insurance review

Best for customizable policies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: Not rated AM Best: A++

Average annual premium

$ 1,206 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Auto-Owners made our list: Auto-Owners offer car insurance in 26 states, Utah included. This regional carrier made our list of best car insurance companies in Utah in part due to its robust optional endorsements. Along with more common coverage add-ons such as gap insurance, Auto-Owners offers unique endorsements you may not find with other carriers. These include diminished value and additional expenses to pay for a rental and lodging if you’re stranded due to a covered claim. However, J.D. Power omitted Auto-Owners in the Southwest region of the 2022 Auto Insurance Study, so you may want to reach out to friends and family who insure with this company to ask about their experience.

Who Auto-Owners may be good for: Auto-Owners may be a good choice for drivers with unique coverage needs and those who do not plan to relocate outside of the carrier's 26-state service area. 

Read full Auto-Owners Insurance review

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.

How much is car insurance in Utah?

The average car insurance cost in Utah is $539 annually for minimum coverage and $1,510 annually for a full coverage policy. This average rate is well below the national average for full coverage, which is $2,014 per year, and also somewhat under the national average for minimum coverage, which is $622 per year. Utah's average 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 $587 for minimum and $1,810 for full coverage; while in Nevada, the average minimum coverage policy is $973, with full coverage coming in at $2,779. 

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.

Average annual premium for minimum coverage in Utah Average annual premium for full coverage in Utah
$539 $1,510

How to find the best car insurance in Utah

Finding the best car insurance in Utah 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. 

Consider minimum insurance requirements in Utah

When purchasing car insurance, Utah drivers must have at least the state’s minimum insurance requirements to legally drive. Utah is a no-fault state, so minimum requirements include personal injury protection (PIP) coverage, which pays for covered injuries you sustain in an accident, regardless of fault. 

Keep in mind that many insurance experts recommend that you purchase more than the minimum required coverage in order to give yourself increased financial protection in the event of an accident. 

Consider lender requirements

When you lease or finance a vehicle, most lenders require vehicle owners to carry full insurance coverage. This includes the minimum liability and PIP requirements, plus comprehensive and collision coverage. Lenders may also require gap insurance, which pays the difference when a vehicle owner owes more than the market cost to replace the vehicle if it’s totaled.

Consider your individual needs

Lastly, the best car insurance for you will likely vary based on your individual needs, including your personal rating factors. If you are a high-risk driver, your coverage needs will likely look different than those of a driver with a clean record. If you have a teen driver you need to add to your policy, you may want a carrier that offers a student discount. 

Frequently asked questions

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Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute