Cheapest Car Insurance in Utah

Car insurance rates are slightly cheaper in Utah than the national average. This means that you stand a good chance of finding great car insurance in Utah at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers.

Cheapest Car Insurance Companies in Utah

The cheapest car insurance companies in Utah are Geico, USAA, Auto-Owners, State Farm and Progressive. Below are the overall and coverage ratings for these providers.

Cheapest Car Insurance Companies in Utah	Overall Rating	Coverage Rating	Number of Discounts Available	Learn More
Geico Learn More	9.1	8.4	16	Learn More
USAA Learn More	9.2	9.5	10	Learn More
Auto-Owners Learn More	8.9	9.4	13	Learn More
State Farm Learn More	9.4	9.2	12	Learn More
Progressive Learn More	9.0	9.5	13	Learn More

Cheapest Car Insurance Companies in Utah	Overall Rating	Coverage Rating	Number of Discounts Available	Learn More
Geico Learn More	9.1	8.4	16	Learn More
USAA Learn More	9.2	9.5	10	Learn More
Auto-Owners Learn More	8.9	9.4	13	Learn More
State Farm Learn More	9.4	9.2	12	Learn More
Progressive Learn More	9.0	9.5	13	Learn More

*Our research team considers nationwide factors when scoring providers. However, the order of providers in this table is specific to car insurance in Utah.

Car insurance companies have difficult methods for calculating insurance premiums. This means that no two quotes you receive will be the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Utah.

Cheapest Car Insurance Coverage in Utah

The coverage level you choose has a major impact on the price you pay for car insurance coverage. Many quotes from providers include estimates for minimum-liability and full-coverage car insurance.

Below are the cheapest auto insurance options in Utah for both coverage types.

Cheapest Liability Car Insurance in Utah

At $38 per month or $451 per year, USAA provides the cheapest car insurance in Utah on average. Geico and Auto-Owners Insurance also offer some of the cheapest policies in the state. Below is the complete list of the cheapest liability insurance companies in Utah.

Cheapest Full-Coverage Car Insurance in Utah

Geico tends to have the cheapest full-coverage car insurance policies in Utah, costing $94 per month or $1,129 per year. USAA and Auto-Owners Insurance are also strong options for Utah motorists.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Utah. Below we compare cheap car insurance estimates for Utah drivers in these categories.

Cheap Car Insurance for Young Drivers in Utah

Young drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Utah, along with estimated monthly and annual costs.

Cheapest Utah Car Insurance for 16-Year-Olds

In the Beehive State, teen drivers pay a steep price for full car insurance coverage. We found that Auto-Owners Insurance tends to offer cheap auto insurance for 16-year-old drivers, costing around $4,336 per year or $361 per month for full-coverage insurance. The average rate estimate for a 16-year-old driver in Utah is $6,625 per year or $552 per month.

Cheapest Utah Car Insurance for 17-Year-Olds

Our team found that Geico offers cheap car insurance estimates for 17-year-old drivers in Utah at $3,356 per year or $280 per month. The average rate estimate for 17-year-old Utah drivers is $5,296 per year or $441 per month.

Cheapest Utah Car Insurance for 18-Year-Olds

Based on our research, 18-year-old drivers can find affordable car insurance through Geico for $2,663 per year or $222 per month. The average rate estimate for an 18-year-old Utah driver is $4,637 per year or $386 per month.

Cheapest Utah Car Insurance for 21-Year-Olds

Utah drivers in their early 20s pay substantially less for car insurance than teen drivers. For 21-year-old drivers, Geico offers the cheapest auto insurance prices on average at $1,251 per year or $104 per month. The average rate estimate for 21-year-old drivers is $2,368 per year or $197 per month.

Cheapest Utah Car Insurance for 25-Year-Olds

On average, Geico provides the cheapest car insurance rates for an annual premium for 25-year-old drivers at $948 per year or $79 per month. The average rate estimate for a 25-year-old Utah motorist is $1,712 per year or $143 per month.

Cheap Car Insurance in Utah for Adult Drivers

Car insurance rates decline as drivers age. With more practice behind the wheel and general life experience typically comes safer driving habits. That said, as drivers age into their 70s, they may see rates increase again to account for an uptick in auto accidents for seniors.

Cheap Utah Car Insurance for 30-Year-Old Drivers

Thirty-year-old drivers in Utah can find cheaper rates than the state average from providers like Geico and USAA. Our data shows that good drivers pay an average of $80 per month or $954 per year with Geico.

Cheap Utah Car Insurance for 35-Year-Old Drivers

Rates decline slightly for drivers who are 35 years old. This age group can find the cheapest rates from USAA, Geico and Auto-Owners according to our data. Good drivers at the age of 35 pay about $78 per month or $940 per year with USAA.

Cheap Utah Car Insurance for 40-Year-Olds

While turning 40 is a personal milestone, you might only pay a few dollars less per month for insurance than you did in your 30’s. Our data shows the same companies are cheapest for both age groups — USAA, Geico and Auto-Owners. Forty-year-old drivers with USAA pay about $76 per month or $913 per year.

Cheap Utah Car Insurance for 50-Year-Olds

Insurance companies know 50-year-olds aren’t speeding around town or driving late at night anymore for the most part. That’s why this age group enjoys some of the lowest car insurance rates on average. Drivers in their 50s can get cheap rates from USAA, Geico and Auto-Owners (as you might have guessed). Full-coverage rates with USAA are about $71 per month or $852 per year on average.

Cheap Utah Car Insurance for 65-Year-Olds

Our data shows 65-year-olds pay slightly higher rates than 50-year-olds. Drivers in the former group can find cheap rates from our top three picks once again: USAA, Geico and Auto-Owners. The cheapest coverage comes from USAA at $75 per month or $896 per year on average.

Cheap Utah Car Insurance for 75-Year-Olds

Age can bring wisdom but also higher car insurance rates. Some drivers in their 70s may be losing a bit of their coordination or reaction speed, which can increase risk on the road. Seventy-five-year-olds can still find affordable rates from Geico, USAA and Auto-Owners according to our data. This time, Geico is the cheapest option with average rates of $91 per month or $1,095 per year.

Cheapest Utah Car Insurance for High-Risk Drivers

In addition to age, your driving history and credit score will also influence your rates. The sections below provide the average cost of car insurance for different driving situations, such as car insurance rates if you got a speeding ticket or DUI.

Cheapest Utah Car Insurance for Drivers With a Speeding Ticket

A speeding ticket makes you more of a liability to insure in the eyes of insurance companies, so you can expect your rates to go up if you get one. On average, Utah drivers with a speeding ticket pay $1,839 per year.

Cheapest Utah Car Insurance for Drivers With a Recent Accident

If you are deemed at-fault for an accident, you’re likely to see your rates go up. On average, Utah drivers with a recent at-fault accident pay $2,353 per year for car insurance.

Cheapest Utah Car Insurance for Drivers With a DUI

A DUI will cause your rates to rise more than a speeding ticket or an accident. On average, Utah drivers with a DUI on their driving record pay $2,330 per year for car insurance.

Cheapest Utah Car Insurance for Drivers With Poor Credit

Utah is one of many states in which your credit score impacts your premiums. Drivers with good credit get the best rates, while drivers with fair or poor credit scores pay more. On average, Utah drivers with poor credit pay $2,883 per year for car insurance.

Utah Driving Statistics

Some of the reasons Utah drivers generally pay less than the national average for car insurance may include the state’s low number of auto fatalities and Utah drivers’ low average annual mileages. Here are a few statistics about Utah drivers versus the national average, according to the U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS):

Car Insurance Deals in Utah

Based on our research, Utah drivers pay about 13% less for car insurance than the national average. But that doesn’t mean motorists shouldn’t take advantage of the car insurance deals and discounts available. The table below compares car insurance deals and discounts by the top providers in Utah, which we’ll discuss in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Utah

The best way to find out which car insurance deals you may qualify for in Utah is by shopping around for car insurance. As you look for a new provider, you’ll want to pay special attention to the types of coverage offered and the auto insurance discounts available for your situation. Be sure to speak with your insurance agent to see if there are any discounts you qualify for with your current policy.

Here are further details about the standard car insurance discounts offered by providers:

• Multi-policy: Bundle two or more insurance policies with the same company, such as renters insurance and auto insurance
• Multi-vehicle: Insure multiple cars under the same policy or combine auto insurance policies with family or friends
• Military: Applies whether you’re an active military member or veteran

• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: If you own a home, you may qualify for this discount
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Given to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Beehive State, the sections below contain more detailed information.

The average cost of full coverage car insurance in Utah is $1,507 per year or about $126 per month. Utah drivers pay less than the national average rate of $1,730 per year. According to the National Association of Insurance Commissioners (NAIC), Utah is the 24th-most expensive state to purchase an auto insurance policy.

Minimum coverage car insurance in Utah averages $681 per year or about $57 per month, making it 7% more expensive than the national average of $635 per year. These estimates for full coverage and minimum coverage are based on the profile of a 35-year-old driver with a good credit history and clean driving record.

Utah Car Insurance Cost by Age

Like in most states, young drivers under the age of 25 pay more for car insurance premiums than middle-aged drivers. We found that 16-year-old drivers pay an average of $6,625 per year or $552 per month for full coverage car insurance, while car insurance for 30-year-old drivers averages $1,572 per year or $131 per month.

Utah Car Insurance Cost by City

Rates vary within the state based on where you live. This table shows the average rates for full coverage insurance in different Utah cities.

*Average rates above apply to the top three companies in each city.

Factors That Affect Utah Auto Insurance Rates

To get a sense for what you may pay for Utah auto insurance, we recommend comparing quotes from multiple providers since rates vary from driver to driver. 

Most insurers consider the following when calculating your premium:

• Age
• Gender
• Marital status
• Vehicle
• Driving record
• City
• Credit score
• Deductible

All drivers must carry car insurance in Utah. According to state law, drivers must maintain the following minimum coverage limits:

• Bodily injury liability: $25,000 per person and $65,000 per accident
• Property damage liability: $15,000 per accident
• Personal injury protection (PIP): $3,000 per person
• Uninsured/underinsured motorist coverage (UM/UIM): $25,000 per person and $65,000 per accident

Is It Illegal To Not Have Car Insurance in Utah?

Uninsured/underinsured motorist coverage can be waived, but you must indicate that you decline this coverage via a written statement to your insurer.

If you are found driving without the state minimum required car insurance in Utah, you may be subject to the following penalties:

• Suspension of vehicle registration ($100 reinstatement fee)
• $400 fine for first offense
• $1,000 fine for second and subsequent offenses within three years
• Suspension of driver’s license until proof of insurance and fee is paid

What Is a No-fault State?

Utah is a no-fault state. This means that your insurer pays for damages to your vehicle, regardless of fault. This is why personal injury protection is mandatory.

How To Get Car Insurance in Utah

USAA, Geico and Progressive generally offer the cheapest car insurance in Utah. While you’ll likely receive affordable rates from these providers, we recommend comparing car insurance quotes from multiple insurers to find the best coverage for your needs.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Utah. We also looked at the average cost of car insurance and coverage requirements in the Beehive State. 

Below are frequently asked questions about the cheapest car insurance in Utah:

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.