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.

Best car insurance companies in Utah

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 came in second, with an overall rating of 3.5

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
CompanyAM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
Auto-OwnersA++$1,3938080.53.97
NationwideA+$1,1358080.643.5
GeicoA++$1,3258010.913.35
ProgressiveA+$1,8458280.653.09
State FarmA++$2,1757830.73.08
AllstateA+$2,2797950.652.85
FarmersA$2,6388350.82.43

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, Nationwide is the cheapest auto insurance company in Utah, with average rates of $1,135 annually or $95 a month for full coverage.

CompanyState minimum liability50/100/50 liability100/300/100 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.

Auto insurance calculator

Average auto insurance rates in Utah
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Male
Male Female
84104 - Salt Lake City
For a 30-year-old male
$56 State minimum
$151 Full coverage
$68 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Utah

Most Expensive

Zip CodeCityHighest Rate
84104Salt Lake City$151
84180Salt Lake City$151
84133Salt Lake City$151
84138Salt Lake City$150

Least Expensive

Zip CodeCityLowest Rate
84720Cedar City$114
84737Hurricane$115
84322Logan$115
84721Cedar City$115

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. 

Cheapest car insurance by age in Utah
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. 

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 record AccidentSpeeding 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.

CityAnnual insurance premium
Salt Lake City
$2,038

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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