- 1. Average cost of car insurance in Utah
- 2. Best car insurance companies in Utah
- 3. Cheapest car insurance companies in Utah
- 4. Cheapest car insurance cost in Utah by age
- 5. Cheapest car insurance companies in Utah by driver profile
- 6. Compare auto insurance rates by city in Utah
- 7. Methodology
- 8. Compare auto insurance rates with other states
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.
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
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.
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.
Auto insurance calculator
Average auto insurance rates in UtahMost & least expensive ZIP codes for auto insurance in Utah
Most Expensive
Zip Code | City | Highest Rate |
---|---|---|
84104 | Salt Lake City | $151 |
84180 | Salt Lake City | $151 |
84133 | Salt Lake City | $151 |
84138 | Salt Lake City | $150 |
Least Expensive
Zip Code | City | Lowest Rate |
---|---|---|
84720 | Cedar City | $114 |
84737 | Hurricane | $115 |
84322 | Logan | $115 |
84721 | Cedar 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.
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.
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.