Car insurance is more than just a smart purchase for Utah drivers — it is a legal requirement. The average cost of car insurance in Utah is $1,306 per year for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. Understanding how to find the best car insurance in Utah for your needs and budget is important to your overall financial health.
Bankrate’s insurance editorial team has done the research to help you find the best auto insurance in Utah. Armed with this knowledge, you may feel more confident when choosing a company and coverages for your Utah car insurance policy.
Best car insurance companies in Utah
When shopping for car insurance, Utah drivers should review numerous facets of a company. To help make your research easier, Bankrate conducted an extensive review of the largest car insurance companies in Utah by market share. We started by obtaining current premium information from Quadrant Information Services. After analyzing average rates, we reviewed each company’s coverages, discounts, policy features and third-party rankings.
We combined this information and gave each company a Bankrate Score. These Scores are on a scale of 0.0 to 5.0. The closer a Score is to 5.0, the higher that company scored in the individual ranking categories.
If you are looking for the best car insurance in Utah, starting with these companies might help you shorten your search:
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score|
|USAA*||4.8||$839||890 / 1,000|
|Geico||4.6||$971||871 / 1,000|
|State Farm||4.4||$1,648||881 / 1,000|
|Progressive||4.1||$1,195||856 / 1,000|
|Allstate||3.6||$1,421||876 / 1,000|
*USAA does not qualify for official ranking with J.D. Power due to eligibility restrictions
For excellent customer service and lowest premium in Utah, look no further than USAA. However, not everyone qualifies for coverage: USAA only sells its products to current and retired military members and their immediate families. If you do qualify, you have access to optional coverages like accident forgiveness, rental car reimbursement and car replacement assistance. USAA also offers military-focused discounts, like savings for garaging your vehicle on a military base or storing your car while you are deployed.
Learn more: USAA Insurance review
Drivers searching for low-cost auto insurance Utah companies may want to get a quote from Geico. The low average premium is likely due in part to Geico’s generous discounts, which include customer loyalty, car safety equipment, driving history and more. And if you like to handle your car insurance digitally, Geico could be a great fit. The company was awarded the top spot in the 2021 J.D. Power U.S. Insurance Digital Experience Study in the service category.
Learn more: Geico Insurance review
State Farm is a well-known company and offers local agents throughout Utah, so it might be a good fit if you are looking for an in-person insurance experience. The company offers a host of optional coverages, including ridesharing coverage, emergency road service coverage and car rental and travel expenses coverage. There are also two safe driving programs — Drive Safe & Save for adults and Steer Clear for teens — which could help you learn safer driving habits and save you money at the same time.
Learn more: State Farm Insurance review
Progressive offers a below-state-average full coverage premium for Utah drivers, as well as several discounts to help you save more. You might save for getting a quote quote and buying your policy online, having continuous insurance and owning a home, even if you do not insure it with Progressive. And the company’s Snapshot program, which tracks your driving habits with a mobile app or plug-in device, might save you even more if you are a safe driver.
Learn more: Progressive Insurance review
Allstate’s average full coverage premium is a bit higher than Utah’s average, but the company could still be a good option if you are looking for a highly customizable policy. Allstate stands out for its list of add-ons that can be beneficial for Utah drivers. Featured add-ons include accident forgiveness, safe driving bonus, rideshare insurance, sound equipment coverage and the company’s signature Milewise program. There are also several discounts that could help you keep your premium at a more affordable level.
Learn more: Allstate Insurance review
Average cost of car insurance in Utah
The average cost of car insurance in Utah is $1,306 annually for full coverage. This is quite a bit lower than the national average cost of car insurance, which is $1,674 per year.
|Average annual minimum coverage premium in Utah||Average annual full coverage premium in Utah|
In comparison, Maine is the least expensive state, averaging $965 per year for a full coverage policy, while Louisiana is the most expensive at $2,724 per year.
This does not mean that Utah drivers cannot get a cheaper car insurance premium. Getting quotes from some of the cheapest car insurance companies in Utah might help you find the lowest car insurance rates for your policy.
State minimum insurance requirements in Utah
- Bodily injury liability: $25,000 per person and $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection (PIP): $3,000 per accident
While uninsured and underinsured motorist coverage must be offered by your insurance company, you are not required to carry it and can decline the coverage in writing.
And while minimum insurance requirements are all that is legally necessary to drive in the state of Utah, it is worth considering purchasing higher liability limits for more financial protection. If you cause an accident and the damages and injuries exceed your insurance amount, you are responsible for paying the excess out of pocket. For that reason, most insurance experts advise that you buy higher liability limits if you can afford to.
Minimum coverage also does not include any coverage for damage to your own car. That coverage is obtained by purchasing comprehensive and collision coverages. This is called “full coverage.” If you have a loan or lease, your lender will likely require you to have full coverage.
How to get the best car insurance in Utah
Finding the best car insurance in Utah is not just about finding a low price. There are other things you should consider to make sure you are tailoring your policy to your needs. When looking for car insurance, you might want to:
- Evaluate your needs: Everyone’s needs are different when it comes to car insurance. Are you on an exceptionally tight budget and need the cheapest coverage possible? Do you have a teen driver getting ready to start driving? Are you looking for specific optional coverages, like accident forgiveness? Understanding what you want from a company is often the first step to deciding what carriers to get quotes from.
- Consider state factors: Besides minimum coverage requirements, each state has specific considerations that might affect your car insurance decisions. For example, Utah is one of the most at-risk states in the country for wildfire damage. You might want to consider comprehensive coverage, which covers your vehicle for damage caused by weather events.
When it comes to understanding your area’s specific car insurance considerations, working with a local agent can be helpful.
Car insurance discounts in Utah
Most car insurance companies offer discounts to help you save on your premium. Some common savings opportunities in Utah are:
- Multi-policy discount: This is one of the biggest discounts, and most companies that sell both auto and property insurance offer this discount. If you buy your auto and home, condo or renters insurance from the same company, you might save on both policies.
- Student discounts: Full-time students under the age of 25 are often eligible for numerous discounts if they meet certain criteria. Good student discounts, distant student discounts and driver training discounts are all commonly available to young drivers.
- Vehicle safety discounts: If you have certain safety features on your vehicle, like side curtain air bags and antilock brakes, you could save money on your car insurance. These discounts are often applied automatically, but you may need to ask for them specifically to be sure.
- Telematics discounts: Many companies offer telematics programs, which track your driving habits using a mobile app or plug-in device. Safe drivers can earn a customized discount based on the data received.
Discount options and programs vary by company, so check which discounts you are eligible for to get the cheapest car insurance in Utah.
Frequently asked questions
What do I need to get car insurance in Utah?
To get car insurance, you will need your address, date of birth, driver’s license number, the vehicle identification number (VIN) of the vehicle you want to insure and an idea of the coverages you want to purchase, although an agent can help you decide that. You may also be asked for your Social Security number. Once you have a quote that you want to purchase, you will likely need to make at least one month’s payment and sign an application.
What is a car insurance premium based on?
Your auto insurance premium is based on several rating factors, including the vehicle type, age, garaging location, annual miles driven, driver’s record, driver’s age, gender, credit information, home ownership, marital status, how the car is used, longevity with the insurance company, time without incident and additional coverages selected. Each company weighs these factors differently, which is why getting quotes from several companies can be beneficial.
What are other optional coverages which may be added to a car insurance policy?
Every company offers different endorsements, but some common optional coverages are roadside assistance, rental reimbursement, accident forgiveness and ridesharing coverage.
What happens if I drive without insurance in Utah?
Car insurance is a legal requirement in Utah, so driving without coverage is illegal. If you are caught, you could face fines and have your license suspended. If you cause an accident without insurance, you are still responsible for paying for the damage that you cause, which can lead to significant financial stress.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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 primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.