- Best car insurance company in Utah: Auto-Owners
- Cheapest car insurance company in Utah: Nationwide
- What is the average cost of car insurance in Utah?
- What are the state minimum coverage requirements in Utah?
- Cheapest car insurance companies for minimum liability coverage in Utah
- Cheapest car insurance cost in Utah for teens, adults and seniors
- Cheapest car insurance companies in Utah for tickets and accidents
- Compare auto insurance rates by city in Utah
- Car insurance premium trends in Utah
- Methodology
- Compare Utah car insurance rates with other states
Best car insurance company in Utah: Auto-Owners
Auto-Owners is the best car insurance company in Utah with an overall rating of 4.74. Nationwide, GEICO, State Farm and Progressive also ranked well in our study.
Below is a full list of the top Utah insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 659 | 0.54 | $1,393 | 4.74 |
| Nationwide | A | 618 | 0.63 | $1,135 | 4.24 |
| GEICO | A++ | 618 | 0.69 | $1,325 | 4.23 |
| State Farm | A++ | 646 | 0.79 | $2,175 | 3.92 |
| Progressive | A+ | 614 | 0.71 | $1,845 | 3.73 |
| Allstate | A+ | 633 | 1.1 | $2,279 | 3.33 |
| Farmers | A | 599 | 0.86 | $2,638 | 2.8 |
| USAA | A++ | 733 | 1.18 | $1,237 | 4.43 |
Cheapest car insurance company in Utah: Nationwide
Nationwide offers the cheapest full coverage car insurance in Utah, with average rates of $1,188 annually or $99 a month.
- GEICO has the lowest state minimum car insurance rates at an average of $400 per year
- Nationwide offers the cheapest liability car insurance in Utah at $533 per year
- USAA is cheaper, but is only available to military families
Comparison shopping is the key to finding the best auto insurance for your needs. Get quotes from several different insurers and compare their rates based on the specifics of your vehicle and driving reocrd.
We have gathered price quotes from all the major insurance providers in Utah and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Nationwide | $448 | $533 | $1,188 |
| GEICO | $400 | $547 | $1,397 |
| Auto-Owners | $591 | $700 | $1,953 |
| United Insurance Co | $1,006 | $1,168 | $2,531 |
| Progressive | $843 | $1,038 | $2,622 |
| Farmers | $1,010 | $1,298 | $2,752 |
| Allstate | $868 | $1,059 | $2,879 |
| Iowa Farm Bureau | $794 | $965 | $3,138 |
| State Farm | $1,486 | $1,743 | $4,444 |
| USAA | $381 | $470 | $1,354 |
USAA offers car insurance only to military members, veterans and their families.
What is the average cost of car insurance in Utah?
The average car insurance rate in Utah is $2,250 a year for a full coverage policy with a coverage level of 100/300/100 with $500 deductibles.
For state minimum coverage, the average annual cost in Utah is $708.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Utah
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Corinne | $999 | $83 |
| Hatch | $999 | $83 |
| Mayfield | $999 | $83 |
| Circleville | $996 | $83 |
| Kingston | $996 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Greenwich | $1,000 | $83 |
| Hinckley | $1,001 | $83 |
| Oak City | $1,002 | $83 |
| Salina | $1,003 | $84 |
| East Carbon | $1,003 | $84 |
The Utah Insurance Department says...
You may not want to purchase a car specifically for your teenager, but adding another driver to your policy can be costly. For example, if you drive a newer, expensive sports car, adding a teen driver may considerably raise your premiums. However, a modestly priced economy car with liability coverage may be more appropriate for your teen. Make sure you discuss options with your insurance agent.
- The Utah Insurance DepartmentWhat are the state minimum coverage requirements in Utah?
The minimum car insurance required in Utah is liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. with limits of 30/65/25. Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. is also required by law. Utah's state minimum car insurance costs an average of $708 annually or $59 monthly.
The state minimum auto insurance requirements for Utah are:
- Bodily injury liability (BI): $30,000 per person and $65,000 per accident
- Property damage liability (PD): $25,000 per accident
- Personal injury protection (PIP): $3,000 per person
Cheapest car insurance companies for minimum liability coverage in Utah
Nationwide provides the cheapest state minimum liability insurance, averaging $533 annually or $44 monthly. USAA offers cheaper rates but has eligibility criteria.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Utah.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Nationwide | $533 | $44 |
| GEICO | $547 | $46 |
| Auto-Owners | $700 | $58 |
| Iowa Farm Bureau | $965 | $80 |
| Progressive | $1,038 | $86 |
| Allstate | $1,059 | $88 |
| United Insurance Co | $1,168 | $97 |
| Farmers | $1,298 | $108 |
| State Farm | $1,743 | $145 |
| USAA | $470 | $39 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Utah for teens, adults and seniors
Nationwide offers the cheapest car insurance for a 16-year-old driver in Utah at $4,960 per year.
In Utah, Nationwide offers the cheapest car insurance for a 25-year-old driver at $1,371 per year. Nationwide offers the cheapest car insurance for a 65-year-old driver at $1,056 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| Nationwide | $4,960 | $413 |
| GEICO | $6,956 | $580 |
| Auto-Owners | $7,626 | $635 |
| United Insurance Co | $7,952 | $663 |
| USAA | $10,042 | $837 |
| Allstate | $14,487 | $1,207 |
| Progressive | $15,741 | $1,312 |
| Iowa Farm Bureau | $16,560 | $1,380 |
| Farmers | $16,705 | $1,392 |
| State Farm | $18,278 | $1,523 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Utah for tickets and accidents
In Utah, Nationwide offers the cheapest car insurance rates for drivers with an accident, at $2,076 per year.
- USAA offers cheaper rates for drivers with an accident in Utah if you're eligible
- Nationwide is the most affordable option for most drivers, costing $2,250 per year, although again, USAA is cheaper if you qualify
Below are average Utah car insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Nationwide | $1,188 | $2,076 | $1,434 |
| Auto-Owners | $1,953 | $3,438 | $2,514 |
| GEICO | $1,397 | $2,748 | $2,730 |
| Allstate | $2,879 | $4,074 | $3,191 |
| Progressive | $2,622 | $4,032 | $3,381 |
| Farmers | $2,752 | $5,072 | $3,794 |
| State Farm | $4,444 | $5,154 | $4,739 |
| USAA | $1,354 | $2,089 | $1,742 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Utah
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Utah will impact what you pay. Below, we've gathered Utah car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Salt Lake City | $2,038 |
Car insurance premium trends in Utah
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Utah to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Utah car insurance rates with other states
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