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GEICO offers the cheapest car insurance rates in Utah for full coverage, at $687 annually, or $57 per month. Whereas Geico is rated as the best car insurance company in Utah, based on Insurance.com's analysis.

There are a lot of different car insurance companies in Utah, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • Geico offers the best car insurance rates in Utah among the companies analyzed by Insurance.com.
  • In Utah, GEICO provides the cheapest car insurance at $687 per year.
  • Car insurance rates differ with various driving profiles. Geico offers the cheapest car insurance prices for drivers with poor credit.
  • Progressive has the cheapest car insurance rates for any driver with a DUI in Utah. The insurance premium is $1,503 per year.

Best car insurance companies in Utah

Geico is the best car insurance company in Utah with a 5.0 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across Utah to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Utah.

CompanyAuto star ratings
Geico5.0
Nationwide4.7
Progressive4.4
Hartford3.7
American Family3.4
Farmers3.1

Cheapest car insurance companies in Utah

GEICO is the cheapest car insurance company in Utah that offers full coverage car insurance at an average rate of $687 annually or $57 a month.

CompanyAverage annual premiumAverage monthly premium
GEICO Casualty Co$687$57
USAA Casualty$796$66
Nationwide Agribusiness$949$79
Auto-Owners$1,136$95
Progressive Direct$1,186$99
American Family$1,283$107
State Farm Mutl Automobile Ins$1,472$123
Allstate F&C$1,658$138
Metropolitan Casualty$1,719$143
Mid-Century$2,024$169
Alpha P&C$3,909$326

Cheapest car insurance for teens in Utah

Geico offers the cheapest car insurance for teens in Utah at about $3,210 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in Utah for teens.

CompanyAverage annual premium
Geico Cas Co$3,210
State Farm Mut Auto$4,813
Nationwide Affinity Co of Amer$5,233
Allstate Fire & Cas$6,449
Progressive Classic$7,424
Mid Century$8,735

Cheapest car insurance for young drivers in Utah

Geico is the cheapest car insurance company for young drivers in Utah. Its average annual premium is $1,258 annually or $105 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Geico Cas Co$1,258
Progressive Classic$2,219
Allstate Fire & Cas$2,344
Nationwide Affinity Co of Amer$2,372
Mid Century$2,615
State Farm Mut Auto$2,728

Cheapest car insurance for adults in Utah

Geico offers the cheapest car insurance for adults in Utah for a full coverage policy with an average annual premium of $948 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Geico Cas Co$948
Nationwide Affinity Co of Amer$1,286
Progressive Classic$1,319
State Farm Mut Auto$1,651
Mid Century$1,784
Allstate Fire & Cas$1,846

Cheapest car insurance for seniors in Utah

Geico is the cheapest car insurance company for seniors in Utah. Its average annual premium is $961 a year or about $80 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Geico Cas Co$961
Nationwide Affinity Co of Amer$1,192
Progressive Classic$1,206
State Farm Mut Auto$1,560
Mid Century$1,662
Allstate Fire & Cas$1,865

Cheapest car insurance rates in Utah by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in Utah is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Utah.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Utah drivers at an average of $1,479 a year.

Compare average annual premium of cheapest car insurance companies in Utah for drivers with poor credit.

CompanyAverage annual premium
Geico$1,479
Nationwide$1,612
USAA$2,086
Progressive$2,171
American Family$2,894
Allstate$3,168
Mid-Century$3,313
Auto-Owners$3,421
Alpha P&C$3,630
Metropolitan$4,591
State Farm$5,362

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA offers the cheapest car insurance for drivers with a speeding ticket at about $1,250 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
USAA$1,250
Nationwide$1,369
Auto-Owners$1,462
Geico$1,491
Progressive$1,659
State Farm$1,820
Allstate$2,042
American Family$2,091
Mid-Century$2,659
Metropolitan$3,116
Alpha P&C$3,580

Cheapest auto insurance after an at-fault accident: USAA

USAA has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,424 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
USAA$1,424
Geico$1,532
American Family$1,630
Auto-Owners$1,949
Nationwide$1,965
State Farm$1,972
Progressive$2,540
Allstate$2,598
Mid-Century$2,896
Alpha P&C$4,366
Metropolitan$4,781

Cheapest auto insurance after a DUI: Progressive

The cheapest auto insurance company for drivers after a DUI is Progressive. It offers auto insurance at about $1,503 a year or $125 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
Progressive$1,503
Geico$1,693
State Farm$1,820
USAA$1,846
American Family$2,091
Allstate$2,481
Nationwide$2,490
Mid-Century$2,783
Alpha P&C$3,167
Auto-Owners$3,178
Metropolitan$5,389

Average cost of car insurance in Utah

The average annual cost of car insurance in Utah for a full coverage policy is $1,529. For full coverage, the recommended coverage limits for Utah drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in Utah is $552.

State minimum average annual rateFull coverage average annual rate
$552$1,529