Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Geico offers the cheapest auto insurance at $766 per year or $64 monthly, on average, which is below the average Utah car insurance rate of $1,414 a year.

However, cheap isn’t everything but, in this case, an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Utah as well as the cheapest.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine what you pay for car insurance. 

Read on to compare Utah insurance rates by company, age, and more.

Key takeaways

  • Geico is the best car insurance company in Utah overall, with below-average rates and a low complaint ratio.
  • Geico is also the cheapest car insurance company in Utah at $766 per year.
  • For teen, adult, and senior drivers in Utah, Geico has the cheapest rates across the board. 

Average cost of car insurance in Utah

The average car insurance rate in Utah is $1,414 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 $501.

Best car insurance companies in Utah

Geico is the best car insurance company in Utah, based on a 2023 analysis by Insurance.com, with an overall rating of 4.95. USAA came in second, but only offers coverage to military members, veterans and their families.

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.

Best car insurance companies in Utah
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 7660.774.95
USAA*A++$ 9010.994.78
Auto-OwnersA++$ 1,1940.644.58
NationwideA+$ 1,0730.664.39
ProgressiveA+$ 1,2050.734.25
State FarmA++$ 1,5660.523.97
American FamilyA$ 1,5620.573.66
AllstateA+$ 1,8220.953.64
FarmersA$ 1,7620.773.43

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Utah

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes 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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Utah, with average rates of $766 annually or $64 a month for full coverage.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 239$ 301$ 766
USAA$ 279$ 344$ 901
Nationwide$ 543$ 630$ 1,073
Auto-Owners$ 392$ 493$ 1,194
Progressive$ 512$ 613$ 1,205
American Family$ 744$ 873$ 1,562
State Farm$ 532$ 652$ 1,566
Farmers$ 638$ 857$ 1,762
Allstate$ 529$ 647$ 1,822
Kemper Insurance$ 603$ 778$ 2,291

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

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.

Geico offers the cheapest car insurance for teen drivers in Utah at $2,917 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, Geico offers the cheapest full-coverage car insurance for adult drivers and senior drivers at $782 per year and $833 per year. 

Cheapest car insurance by age in Utah
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Geico$ 2,917
Teens (16-19)Auto-Owners$ 3,928
Teens (16-19)Nationwide$ 3,939
Teens (16-19)USAA$ 4,126
Teens (16-19)State Farm$ 4,610
Teens (16-19)American Family$ 5,016
Teens (16-19)Allstate$ 5,812
Teens (16-19)Progressive$ 7,527
Teens (16-19)Farmers$ 8,123
Teens (16-19)Kemper Insurance$ 8,200
Young Adults (20-24)Geico$ 1,188
Young Adults (20-24)USAA$ 1,515
Young Adults (20-24)Nationwide$ 1,876
Young Adults (20-24)Progressive$ 2,138
Young Adults (20-24)American Family$ 2,348
Young Adults (20-24)Allstate$ 2,359
Young Adults (20-24)Auto-Owners$ 2,423
Young Adults (20-24)Farmers$ 2,429
Young Adults (20-24)State Farm$ 2,629
Young Adults (20-24)Kemper Insurance$ 3,722
Adults (25-55)Geico$ 782
Adults (25-55)USAA$ 916
Adults (25-55)Nationwide$ 1,081
Adults (25-55)Auto-Owners$ 1,223
Adults (25-55)Progressive$ 1,311
Adults (25-55)State Farm$ 1,597
Adults (25-55)American Family$ 1,597
Adults (25-55)Farmers$ 1,775
Adults (25-55)Allstate$ 1,888
Adults (25-55)Kemper Insurance$ 2,191
Seniors (60-75)Geico$ 833
Seniors (60-75)USAA$ 932
Seniors (60-75)Nationwide$ 1,033
Seniors (60-75)Auto-Owners$ 1,265
Seniors (60-75)Progressive$ 1,346
Seniors (60-75)State Farm$ 1,503
Seniors (60-75)American Family$ 1,671
Seniors (60-75)Farmers$ 1,774
Seniors (60-75)Allstate$ 1,916
Seniors (60-75)Kemper Insurance$ 1,957

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. 

However, the severity and frequency of the incidents will also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

Below are average Utah rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Utah 
CompanyClean recordAccidentTicket
Geico$ 776$ 1,497$ 1,097
USAA$ 963$ 1,469$ 1,251
Nationwide$ 1,167$ 2,026$ 1,405
Auto-Owners$ 1,319$ 2,100$ 1,394
Progressive$ 1,386$ 2,816$ 1,900
State Farm$ 1,704$ 2,024$ 1,864
American Family$ 1,715$ 1,715$ 2,210
Farmers$ 1,972$ 2,832$ 2,718
Allstate$ 1,997$ 2,849$ 2,226
Kemper$ 2,823$ 4,167$ 3,264

*USAA offers car insurance only to military veterans and their families.

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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 cellphone 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.  

Tip icon You might also be interested in