Best car insurance in Utah for 2023

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all 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 2020 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 are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Your auto insurance premium is based on several rating factors, including the vehicle type and age, driver record and age, garaging location, annual miles driven, how the car is used and additional coverage options selected. Each company weighs these factors differently, which is why getting online car insurance quotes from several companies can be beneficial.

Because car insurance rates are based on individual rating factors and each company has their own method for calculating rates, it can be difficult to figure an estimate for the premium surcharge of an at-fault accident. On average, an at-fault accident in Utah will spike rates by 54%, according to Bankrate’s research. However, if this is a concern, especially if you are a new driver or have a teen driver in your household, some car insurance companies offer first-time accident forgiveness as a coverage option.

In Utah, drivers are required to carry at least a minimum amount of liability insurance and personal injury protection. Car insurance is a legal requirement in Utah, so driving without coverage is illegal. Driving without auto insurance is a misdemeanor in the state and could lead to fines as high as $1,000 and suspension of your driver’s license and registration. You could also incur additional fees to reinstate your license and registration. If you cause an accident without insurance, you are still responsible for paying for the damage you cause, which can lead to significant financial stress.

The cheapest car insurance company for you will depend highly on your individual characteristics, among other factors. When calculating your premium, one insurance company may place significant weight on your driving record, while another provider may place more weight on your claims history. Some companies offer lower rates than others for high-risk drivers and some companies offer better rates than others for teens. One of the best ways to find the lowest premium is to request quotes from multiple providers. Based on the average rate, however, USAA and Geico also wind up as some of the cheapest car insurance companies in Utah according to our research.