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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
Auto-OwnersA++8080.53.97$1,393
NationwideA+8080.643.5$1,135
GeicoA++8010.913.35$1,325
ProgressiveA+8280.653.09$1,845
State FarmA++7830.73.08$2,175
AllstateA+7950.652.85$2,279
FarmersA8350.82.43$2,638

Data updated in 2024
Read our full methodology

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.

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
Data updated in 2024
Read our full methodology

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

Data updated in 2024
Read our full methodology

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.

Auto insurance calculator

Average auto insurance rates in Utah
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
84104 - Salt Lake City
For a 30-year-old male
$64 State minimum
$187 Full coverage
$81 Liability only

Most & least expensive ZIP codes for auto insurance in Utah

Most Expensive

ZIP codeCityHighest rate
84104Salt Lake City$187
84120West Valley City$185
84118Kearns$184
84119West Valley City$184

Least Expensive

ZIP codeCityLowest rate
84341Logan$141
84721Cedar City$142
84720Cedar City$142
84742Kanarraville$142
Data updated in 2024
Read our full methodology

Utah 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.

Minimum liability insurance requirements for Utah:

  • Bodily injury liability (BI): $25,000 per person and $65,000 per accident
  • Property damage liability (PD): $15,000 per accident
  • Personal injury protection (PIP): $3,000 per person

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.

State minimum auto insurance coverage in Utah, UT
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Utah by age

company_name
Cheapest for teens
$4,058/yr
Learn more
company_name
Cheapest for adults
$1,117/yr
Learn more
company_name
Cheapest for seniors
$1,095/yr
Learn more

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. 

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 premium rates.

Age group
Teen
Age
16
Table
Graph
Nationwide$4,530$378
Auto-Owners$4,725$394
United Insurance Co$6,533$544
Geico$6,705$559
State Farm$7,795$650
USAA$9,149$762
Iowa Farm Bureau$9,698$808
Allstate$11,233$936
Progressive$12,425$1,035
Farmers$15,188$1,266
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Utah by driver profile

company_name
Cheapest for at-fault accident
$1,984/yr
Learn more
company_name
Cheapest for DUI
$2,098/yr
Learn more
company_name
Cheapest for speeding ticket
$1,370/yr
Learn more

Drivers who have accidents or tickets are considered a higher risk and will pay higher car insurance rates. The severity and frequency of the incidents will impact how much insurance rates increase. In Utah, Nationwide offers the cheapest car insurance rates for drivers with an accident, at $1,984 per year. USAA offers cheaper rates for drivers with an accident in Utah but has eligibility criteria.

USAA is the cheapest car insurance company in Utah for drivers with a speeding ticket at $1,592 per year. However, it covers specifically the military community. Nationwide is also the cheapest option for most drivers at $1,370 per year. 

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

CompanyClean recordAccidentSpeeding ticket
Nationwide$1,135$1,984$1,370
USAA$1,237$1,909$1,592
Auto-Owners$1,393$2,453$1,660
State Farm$2,175$2,523$2,320
Progressive$1,845$2,838$2,380
Allstate$2,279$3,225$2,526
Geico$1,325$2,604$2,588
Farmers$2,638$4,862$3,637

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

Data updated in 2024
Read our full methodology

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
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Utah have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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