INSURANCE - CAR INSURANCE

Best Car Insurance in Utah for 2024

Updated Oct. 27, 2023
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USAA is generally the cheapest car insurance in Utah for those who qualify.

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From Moab to the Great Salt Lake, Utah has multiple options for outdoor adventures easily reached by car. Thankfully, car insurance in Utah is relatively affordable, so enjoying all the Beehive State has to offer by road is a no-brainer.

The average insurance cost in Utah is $1,361 for full coverage and $674 for minimum coverage.

In this article

Key takeaways

  • The best car insurance in Utah is USAA, which costs an average of $851 per year for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $113 per month in Utah.
  • High-risk drivers in Utah will pay an average of $1,782 a year.

Best car insurance companies in Utah

While the amount you pay for full coverage car insurance will vary based on several factors, including your age, driving record, and where you live, car insurance in Utah is generally lower than in other states.

USAA is the most affordable coverage, but only military members qualify. Nationwide is the cheapest coverage option available to everyone in Utah, costing an average of $1,038.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 879/1,000 $851/year $351/year
State Farm 835/1,000 $1,368/year $677/year
American Family 828/1,000 $1,596/year $961/year
Progressive 809/1,000 $1,099/year $699/year
GEICO 804/1,000 $1,071/year $538/year
Nationwide 783/1,000 $1,038/year $560/year
Farmers 781/1,000 $1,711/year $838/year

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USAA: Highest customer satisfaction

USAA had the highest customer satisfaction in Utah, earning 879 out of 1,000, and it is also the most affordable provider. Its policies are only available to current and former military members and their families, but it does offer most standard coverage options and some specialty policies, too.

Pros
  •  USAA has the lowest car insurance rates for full and minimum coverage
  •  It has roadside assistance and rental reimbursement policy options
Cons
  •  USAA only offers policies to current and former military members and their families
  •  You may be able to find more policy options with another carrier

Get a quote now | USAA review

State Farm: Best for new drivers

New drivers in Utah pay an average of $3,823 yearly for car insurance. Thankfully, that number drops significantly (to $1,552 a year) when you reach age 25. While State Farm's pricing was much closer to the Utah annual average of $1,361, it offers discounts that could help new drivers save up to 25% for safe driving.

Pros
  •  State Farm insures multiple vehicle types, including antique cars and fifth-wheel RVs
  •  It has multiple agents and offices in Utah
Cons
  •  State Farm doesn't offer some specialty policies that some competitors might
  •  Utah drivers using State Farm may pay more than the state's average

Get a quote now | State Farm review

Progressive: Best for high-risk drivers

High-risk drivers in Utah are likely to pay an average of $2,512 after a DUI or $2,258 after an at-fault accident. Progressive can be a helpful option for high-risk drivers because it will file SR-22 forms with a court or the state after a DUI or DWI and has specialty policies available.

Pros
  •  Progressive is one of the lower-cost insurance providers in Utah
  •  It offers a variety of coverage options, including disappearing deductibles
Cons
  •  It has a relatively low customer satisfaction rating in Utah
  •  Progressive does not offer some specialty coverages, like gap policies

Get a quote now | Progressive review

GEICO: Best budget pick

In Utah, drivers who use GEICO will pay an average of $1,071 a year for full coverage. However, you'll only spend an average of $538 a year for the state's minimum coverage, the lowest option behind USAA on our list of the best car insurance companies. Although GEICO may be a low-cost option, it only has three agents in Utah, all centered in the Salt Lake City area.

Pros
  •  GEICO has the lowest cost available to everyone on Utah's minimum insurance
  •  It has multiple discount options, including new vehicles and multi-policy
Cons
  •  It had just lower than average customer satisfaction scores in Utah
  •  It only has three agents in Utah, who are all in or around Salt Lake City

Get a quote now | GEICO review

Nationwide: Most affordable coverage

Nationwide is the most affordable coverage available to everyone in Utah. It costs $1,038 yearly for full coverage, compared to the average cost of coverage in Utah of $1,361. Nationwide offers multiple policy options, including rental car and gap insurance, with extensive discounts.

Pros
  •  Nationwide has many popular options, including accident forgiveness and vanishing deductibles
  •  It was the most affordable coverage available to civilians in Utah
Cons
  •  Nationwide earned the second-lowest customer satisfaction score in Utah
  •  There were lower minimum coverage options in Utah

Get a quote now | Nationwide review

Utah auto insurance requirements

Like many states, Utah requires drivers to carry a minimum amount of insurance to drive legally. Drivers must maintain at least:

  • $25,000 per person bodily injury
  • $65,000 per accident bodily injury
  • $15,000 per accident property liability

Remember, these are just minimum requirements, and it is generally recommended to carry added coverage if you can afford it.

How to choose a car insurance provider in Utah

Car insurance in Utah is relatively affordable, but finding a provider that is both cost-effective and helpful might take some work. To help you find the best provider at the best price, consider the following:

  • Ask around: Ask family and friends for recommendations and read online reviews. Research the general availability and helpfulness of agents in Utah after an accident or by reading Better Business Bureau reviews and checking national claims databases.
  • Check pricing and discounts: Review quotes from at least three companies to help you understand your pricing options. Compare discounts and coverage options from each quote to help you get the best pricing possible.
  • Check financial stability: Before starting a policy with any insurance company, check their financial stability and ability to pay claims on a website like Standard & Poor's or AM Best. Confirm a company is licensed to do business in Utah by checking with the Utah Insurance Department.

How much does car insurance cost in Utah?

The average cost of car insurance in Utah is $1,361 annually for full coverage and $674 a year for minimum coverage. That's compared to a national average of $1,582 for full coverage insurance.

Provo residents generally pay the least for car insurance in Utah at $1,544 a year. In contrast, people in West Valley City, just a few miles southwest of Salt Lake City, will generally pay the most, averaging about $1,729 a year.

Utah car insurance rates by city

People living in more populated areas will likely pay more for auto coverage. Sandy residents pay an average of $1,707, compared to people in Ogden, who spend an average of $1,596.

City Avg. annual full-coverage premium
Salt Lake City $1,635/year
Sandy $1,707/year
West Valley City $1,729/year
West Jordan $1,659/year
Provo $1,544/year
Ogden $1,596/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Utah

What are the minimum car insurance coverage requirements in Utah?

Drivers in Utah must carry at least $25,000 per person, $65,000 per accident in bodily injury coverage, and $15,000 per accident in property liability.

How much does car insurance cost in Utah?

Car insurance in Utah costs an average of $1,361 annually for full coverage and $674 for minimum coverage.

Which car insurance companies cover Utah?

Many national insurance companies provide coverage in Utah, including USAA, Progressive, State Farm, Nationwide, and American Family Insurance. 

What is the cheapest car insurance company in Utah?

Utah's cheapest car insurance company is USAA (averaging $851 a year for full coverage), which is only available to military members. 

GEICO is the second lowest option, costing an average of $1,071 annually for full coverage and $538 for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.