Best car insurance in Utah for 2023

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

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

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

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

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