- Best car insurance companies in Utah: Auto-Owners
- Cheapest car insurance companies in Utah: Nationwide
- Average cost of car insurance in Utah
- Minimum car insurance requirements in Utah
- Cheapest car insurance companies for minimum liability coverage in Utah
- Cheapest car insurance cost in Utah by age
- Cheapest car insurance companies in Utah by driver profile
- Compare auto insurance rates by city in Utah
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Utah: Auto-Owners
Auto-Owners is the best car insurance company in Utah, based on a 2024 analysis by Insurance.com, with an overall rating of 3.97. Nationwide, Geico, Progressive, and State Farm are also the top insurance companies in Utah.
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 | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A++ | $1,393 | 808 | 0.5 | 3.97 |
| Nationwide | A+ | $1,135 | 808 | 0.64 | 3.5 |
| Geico | A++ | $1,325 | 801 | 0.91 | 3.35 |
| Progressive | A+ | $1,845 | 828 | 0.65 | 3.09 |
| State Farm | A++ | $2,175 | 783 | 0.7 | 3.08 |
| Allstate | A+ | $2,279 | 795 | 0.65 | 2.85 |
| Farmers | A | $2,638 | 835 | 0.8 | 2.43 |
Cheapest car insurance companies in Utah: Nationwide
Based on a rate analysis by Insurance.com, Nationwide offers the cheapest full coverage car insurance in Utah, with average rates of $1,135 annually or $95 a month. Geico has the lowest state minimum car insurance rates at an average of $395 per year. Nationwide offers the cheapest liability car insurance in Utah at $507 per year. USAA has the cheapest rates, however, it covers specifically the military community.
Don't just go with the first insurer you come across. Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
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 | $429 | $507 | $1,135 |
| USAA* | $360 | $450 | $1,237 |
| Geico | $395 | $552 | $1,325 |
| Auto-Owners | $432 | $554 | $1,393 |
| Progressive | $575 | $745 | $1,845 |
| United Insurance Co | $801 | $1,036 | $2,071 |
| Iowa Farm Bureau | $597 | $729 | $2,154 |
| State Farm | $641 | $781 | $2,175 |
| Allstate | $726 | $914 | $2,279 |
| Farmers | $867 | $1,288 | $2,638 |
USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Utah
The average car insurance rate in Utah is $1,825 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For state minimum coverage, the average annual cost in Utah is $582.
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Most & least expensive ZIP codes for auto insurance in Utah
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 84104 | Salt Lake City | $187 |
| 84120 | West Valley City | $185 |
| 84118 | Kearns | $184 |
| 84119 | West Valley City | $184 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 84341 | Logan | $141 |
| 84721 | Cedar City | $142 |
| 84720 | Cedar City | $142 |
| 84742 | Kanarraville | $142 |
Minimum car insurance requirements in Utah
Utah's minimum car insurance coverage limits are 25/65/15. Utah's state minimum liability insurance costs an average of $561 annually or $47 monthly.
Cheapest car insurance companies for minimum liability coverage in Utah
According to Insurance.com, Geico provides the cheapest state minimum liability insurance, averaging $384 annually or $32 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 |
|---|---|---|
| USAA* | $358 | $30 |
| Geico | $384 | $32 |
| Nationwide | $418 | $35 |
| Auto-Owners | $432 | $36 |
| Progressive | $556 | $46 |
| Iowa Farm Bureau | $562 | $47 |
| State Farm | $641 | $53 |
| Allstate | $696 | $58 |
| United Insurance Co | $763 | $64 |
| Farmers | $804 | $67 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Utah by age
In Utah, car insurance rates are higher for teenagers; they’re more likely to have an accident than older drivers.
Nationwide offers the cheapest car insurance for teen drivers in Utah at $4,058 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Utah, Nationwide offers the cheapest full coverage car insurance for adult drivers and senior drivers at $1,117 per year and $1,095 per year.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Nationwide | $4,058 |
| Teens (16-19) | Auto-Owners | $4,132 |
| Teens (16-19) | Geico | $4,837 |
| Teens (16-19) | USAA* | $5,203 |
| Teens (16-19) | United Insurance Co | $5,495 |
| Teens (16-19) | Iowa Farm Bureau | $6,335 |
| Teens (16-19) | State Farm | $6,492 |
| Teens (16-19) | Allstate | $8,071 |
| Teens (16-19) | Progressive | $8,723 |
| Teens (16-19) | Farmers | $11,332 |
| Young Adults (20-24) | Nationwide | $1,952 |
| Young Adults (20-24) | USAA* | $1,971 |
| Young Adults (20-24) | Geico | $2,029 |
| Young Adults (20-24) | Auto-Owners | $2,577 |
| Young Adults (20-24) | Progressive | $3,061 |
| Young Adults (20-24) | Allstate | $3,098 |
| Young Adults (20-24) | United Insurance Co | $3,261 |
| Young Adults (20-24) | Iowa Farm Bureau | $3,430 |
| Young Adults (20-24) | Farmers | $3,454 |
| Young Adults (20-24) | State Farm | $3,692 |
| Adults (25-60) | Nationwide | $1,117 |
| Adults (25-60) | USAA* | $1,252 |
| Adults (25-60) | Geico | $1,325 |
| Adults (25-60) | Auto-Owners | $1,392 |
| Adults (25-60) | Progressive | $1,827 |
| Adults (25-60) | United Insurance Co | $2,079 |
| Adults (25-60) | Iowa Farm Bureau | $2,135 |
| Adults (25-60) | State Farm | $2,192 |
| Adults (25-60) | Allstate | $2,261 |
| Adults (25-60) | Farmers | $2,494 |
| Seniors (65-75) | Nationwide | $1,095 |
| Seniors (65-75) | USAA* | $1,327 |
| Seniors (65-75) | Geico | $1,420 |
| Seniors (65-75) | Auto-Owners | $1,525 |
| Seniors (65-75) | Progressive | $1,859 |
| Seniors (65-75) | State Farm | $2,115 |
| Seniors (65-75) | United Insurance Co | $2,296 |
| Seniors (65-75) | Iowa Farm Bureau | $2,308 |
| Seniors (65-75) | Allstate | $2,371 |
| Seniors (65-75) | Farmers | $2,705 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Utah by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher car insurance rates. In Utah, Geico offers the cheapest car insurance rates for drivers with an accident, at $1,770 per year. However, the severity and frequency of the incidents will impact how much insurance rates increase.
USAA is the cheapest car insurance company in Utah for drivers with speeding tickets at $1,273 per year. However, it covers specifically the military community. Geico is the cheapest option for most drivers at $1,476 per year.
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 |
|---|---|---|---|
| Geico | $793 | $1,770 | $1,476 |
| USAA* | $959 | $1,771 | $1,273 |
| Nationwide | $1,173 | $2,214 | $1,526 |
| Auto-Owners | $1,319 | $2,349 | $1,894 |
| Progressive | $1,528 | $3,600 | $2,064 |
| State Farm | $1,704 | $2,024 | $1,864 |
| American Family | $1,715 | $2,042 | $2,259 |
| Farmers | $2,066 | $3,292 | $2,810 |
| Allstate | $2,075 | $3,171 | $2,349 |
| Kemper Insurance | $2,673 | $4,253 | $3,367 |
*USAA offers car insurance only to military veterans and their families.
Compare auto insurance rates by city in Utah
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Utah.
| City | Annual insurance premium |
|---|---|
Salt Lake City | $2,038 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cell phone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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