Best car insurance in Utah in 2022
Finding the best car insurance in Utah can seem daunting, but it doesn’t have to be. Compared to the rest of the nation, drivers in Utah pay significantly lower average car insurance rates, which may help to keep the costs of car insurance affordable for many drivers. According to Bankrate’s 2021 review of quoted annual premiums provided by Quadrant Information Services, the average cost of full coverage car insurance in Utah is $1,306 per year. That is 22% lower than the average cost of car insurance nationwide, which is $1,674 for full coverage car insurance.
To help you narrow down the options in Utah, Bankrate completed an objective analysis of third-party rankings and rate data from dozens of insurance companies. What we found was that some of the best car insurance companies in Utah include USAA, Geico, State Farm, Progressive and Allstate. All four of the providers on our list have average premiums that are below the state average, which may be helpful for budget-conscious shoppers.
Best car insurance companies in Utah
Of all the available car insurance companies in Utah, a few stand out as top contenders. USAA, Geico, State Farm, Progressive and Allstate, which are ranked among the top auto insurers in the U.S. based on market share, have all earned strong marks for various reasons. While USAA and State Farm scored the highest in J.D. Power customer satisfaction for the Southwest Region, Geico offers some of the least expensive rates. Allstate has a highly-rated mobile app, while Progressive offers the usage-based Snapshot telematics program for potential savings on premiums.
Each provider was reviewed based on third-party analysis, such as S&P and AM Best, available car insurance discounts, coverage options and digital assets available. Bankrate Scores include all of these factors and more, with the highest score possible being 5.0. The higher a company scored, the better it performed across these different key areas.
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score
*Not officially ranked with J.D. Power due to eligibility restrictions
Though not officially ranked due to their eligibility requirements, USAA is consistently one of the highest-scoring carriers among the J.D. Power customer satisfaction scores in all regions of the country. While customer service appears to be a top priority for the carrier, not everyone qualifies for coverage. USAA is only available for active-duty and retired military personnel and their immediate families. The qualification requirements may make many Utah drivers ineligible, but if you do meet USAA’s eligibility criteria, you will have full access to its coverage options, multiple discounts and highly-rated mobile app. This insurance company also offers a variety of other products including home and life insurance, online banking and retirement plans. The financially-strong company is rated A++ (Superior) by AM Best, the highest level available.
Learn more: USAA Insurance review
Drivers in Utah may consider getting a quote from Geico if they are looking for some of the least expensive premiums. Geico offers a multitude of discounts, which is one reason why rates tend to be lower. Discounts include affiliation savings, multi-vehicle and bundling, to name a few. Geico also has a highly-rated mobile app and was awarded the top spot with the 2021 J.D. Power U.S. Insurance Digital Experience Study in the service category. While Geico primarily interacts with consumers online and via telephone, it has several local agents across Utah for customers who like to handle their insurance needs in person. The carrier also has a highly-rated mobile app where you can request a quote, update your policy, order roadside assistance or file a claim. In addition to auto coverage, the full-lines insurer also offers homeowners, renters, flood, life, motorcycle and boat insurance. Geico is rated A++ (Superior) by AM Best for its financial strength.
Learn more: Geico Insurance review
Whether you’re looking for a local agent in Utah or prefer using an app or going online for policy management, State Farm likely has an option to match your preference. 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. The provider does have the highest premiums in Utah out of the five carriers on our list, according to the rate analysis, but earns excellent customer satisfaction ratings from J.D. Power. State Farm offers a wide variety of insurance products including home, life, health, boat and motorcycle insurance. The company carries an A++ (Superior) financial strength rating from AM Best.
Learn more: State Farm Insurance review
Progressive’s average rate of $1,195 per year not only comes in well below the state average, but the carrier offers a generous amount of discounts for further savings. Discounts range from multi-policy bundling to paying your premiums in full versus monthly installments. The company also offers the usage-based Snapshot program, which monitors your driving habits and rewards you with additional savings depending on the telematics program’s feedback. Although discounts are plentiful, there are not as many policy personalization options you might find with other carriers. Progressive also offers home, condo, renters, motorcycle, travel, health and dental insurance products. Progressive is rated A+ (Superior) by AM Best.
Learn more: Progressive Insurance review
Allstate’s average rates are higher than Utah’s state average. However, the carrier offers a wide variety of ways to customize your policy to fit your needs. Utah drivers may find Allstate’s options to be beneficial, especially ones that help them cut costs and stay within budget. Add-ons like the accident forgiveness program, rideshare insurance and custom equipment coverage are a few examples of options available, in addition to a variety of discounts. Allstate also offers home, renters, condo, motorcycle, off-road vehicle and term life insurance products. The company carries an A+ (Superior) financial strength rating from AM Best.
Learn more: Allstate Insurance review
Average car insurance cost in Utah
The average car insurance cost in Utah is $528 annually for minimum coverage and $1,306 annually for a full coverage policy. This average rate is well below the national average for full coverage, which is $1,674 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|
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 legal and from your lender (if you have an auto loan), plus your own coverage needs, then 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 insurance carriers 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.
- Automatic 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
What do I need to get car insurance in Utah?
To get a car insurance quote, 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 coverage 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 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 quotes from several companies can be beneficial.
How much will my car insurance go up if I’m involved in an at-fault accident?
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 accident forgiveness as a coverage option.
What happens if I drive without insurance in Utah?
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.
What is the cheapest car insurance company in Utah?
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, some of the cheapest car insurance companies in Utah are USAA, Geico, Nationwide, Farmers and Auto-Owners, according to our research.
Bankrate utilizes Quadrant Information Services to analyze 2022 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 coverage that meets 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 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 Moodys 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 more than 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.