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Best car insurance in Utah for 2022

Updated Nov 15, 2022
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Bankrate’s editorial team includes four licensed property and casualty agents with almost 50 years of combined industry experience. We know that finding the best coverage is more than finding the cheapest rates. Although we studied proprietary rate data, we also analyzed third-party scores, coverage options and more to paint a complete picture of Utah auto insurance. Based on our investigation, you could find the best car insurance in Utah with USAA, Geico and State Farm.

Auto Insurance
Key takeaways
  • Colorado’s statewide average for full coverage car insurance tends to fall below the national average.
  • Car insurance is mandatory in Utah, and failure to maintain continuous coverage could lead to a $1,000 fine and suspensions of your driver’s license and registration.
  • Based on our extensive study, USAA, Geico and State Farm offer some of the best car insurance in UT.

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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 a Bankrate Score ranging from 0.0 to 5.0 for each company. Our goal is that our holistic scoring model will help drivers get a complete and convenient view of how well a company performs while they shop for new car insurance.

Best car insurance companies in Utah

Bankrate analyzed major car insurance carriers using proprietary premium data provided by Quadrant Information Services and trusted third-party ratings such as from the 2022 J.D. Power U.S. Auto Insurance Study. Based on our findings, USAA, Geico and State Farm provide the best Utah car insurance.

USAA
Rating: 5 stars out of 5
5.0
Bankrate Score
Info Hover for more
Average annual premium
$876
J.D. Power customer satisfaction score (Southwest region)
856
/1,000
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
Average annual premium
$974
J.D. Power customer satisfaction score (Southwest region)
827
/1,000
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
Average annual premium
$1,670
J.D. Power customer satisfaction score (Southwest region)
848
/1,000
Progressive
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
Average annual premium
$1,253
J.D. Power customer satisfaction score (Southwest region)
800
/1,000
Auto-Owners
Rating: 4.5 stars out of 5
4.5
Bankrate Score
Info Hover for more
Average annual premium
$1,179
J.D. Power customer satisfaction score (Southwest region)
Not rated
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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.

*Not officially ranked with J.D. Power due to eligibility restrictions

Best car insurance company for military-focused coverage

J.D. Power:
856 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 299
Avg annual premium for full coverage:
$ 876
Get a personalized quote

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

Best car insurance company for discounts

J.D. Power:
827 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 308
Avg annual premium for full coverage:
$ 974
Get a personalized quote

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

Best car insurance company for local offices

J.D. Power:
848 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 659
Avg annual premium for full coverage:
$ 1,670
Get a personalized quote

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

Best car insurance company for streamlined shopping experience

J.D. Power:
800 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 527
Avg annual premium for full coverage:
$ 1,253
Get a personalized quote

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

Best car insurance company for customizable policies

J.D. Power:
Not rated
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 433
Avg annual premium for full coverage:
$ 1,179
Get a personalized quote

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

Average car insurance cost in Utah

The average car insurance cost in Utah is $544 annually for minimum coverage and $1,449 annually for a full coverage policy. This average rate is well below the national average for full coverage, which is $1,771 per year, and about on par with the national average for minimum coverage, which is $545 per year. Utah may be less expensive because it is not as heavily populated as other states, which can impact average state rates due to accidents from congested roads being less likely.

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
$544 $1,449

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. Once you factor in the minimum insurance requirements, both state-mandated and from your lender (if you have an auto loan), plus your own coverage needs, you can begin the process of selecting the best auto insurance in Utah.

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. This includes $25,000 bodily injury liability per person and $65,000 per accident, as well as $15,000 property damage liability. Because Utah is a no-fault state, drivers are required to purchase $3,000 of personal injury protection (PIP) in addition to the liability coverage.

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

The cost of car insurance in Utah is also influenced by individual needs. Your motor vehicle record (MVR) is one of the many factors influencing cost and coverage. If you are a high-risk driver, your coverage needs will likely look different versus a driver with a clean record. Other factors, such as adding a teen driver or getting a speeding violation, all influence the cost. You may need to choose a carrier with a broader range of discounts or coverage options to meet your financial needs.

Car insurance discounts in Utah

Taking advantage of discounts offered through some of the cheapest car insurance companies is another effective way to save on auto insurance premiums. While each carrier has its own unique offerings, most companies offer a mix of discounts, giving drivers in Utah more ways to save.

  • Young driver discounts: If you have a young driver in your household, then discounts such as teen driver, good student or a student away from home discount may help save.
  • Safe driver discounts: Being a safe driver often pays off with discounts such as claims-free or enrolling in a defensive driving program. Usage-based telematics programs, which involve a device or an app for the carrier to monitor your driving habits, could also provide greater savings.
  • Loyalty discounts: If you bundle multiple policies with one carrier, multiple vehicles or have been with a carrier for a number of years, then you could get rewarded with a loyalty discount.
  • Policy-based discounts: Choosing to pay a policy in full, renewing a policy before the term expires or going paperless are all ways to potentially reduce your premium for something you may choose to do on your own, anyway.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

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