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Best Car Insurance in Utah for 2025

USAA is often the cheapest car insurance in Utah for those who qualify.
Updated July 10, 2025
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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 $155 for full coverage and $102 for minimum coverage.

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Key takeaways

  • The best car insurance in Utah is USAA, which costs an average of $94 per year for full coverage.
  • Drivers with a clean driving record pay an average of $155 per month in Utah.
  • High-risk drivers with a DUI in Utah will pay an average of $191 per month.

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 affordable coverage, but only military members qualify. Nationwide is another affordable coverage option available to everyone in Utah, costing an average of $188 per month.

Provider J.D. Power customer satisfaction rating Estimated monthly full coverage Estimated monthly minimum liability coverage
USAA 879/1,000 $94 $78
State Farm 835/1,000 $125 $104
American Family 828/1,000 $160 $132
Progressive 809/1,000 $129 $89
GEICO 804/1,000 $135 $114
Nationwide 783/1,000 $188 $155
Farmers 781/1,000 $221 $183

USAA: Highest customer satisfaction

USAA had the highest customer satisfaction in Utah, earning 879 out of 1,000, and it is also is an 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 low 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

Read our USAA review

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State Farm: Best for new drivers

Teen drivers in Utah pay an average of $317 per month for car insurance. Thankfully, that number usually drops significantly when you reach age 25. State Farm 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

Read our State Farm review

Progressive: Best for high-risk drivers

High-risk drivers in Utah are likely to pay an average of $191 after a DUI or $198 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

Read our Progressive review

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GEICO: Best budget pick

In Utah, drivers who use GEICO will pay an average of $135 per month for full coverage. However, you'll only spend an average of $114 for the state's minimum coverage, one of the lowest options other than 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

Read our GEICO review

Nationwide: Best for accident forgiveness

Nationwide offers coverage available to everyone in Utah. It costs $188 per month for full coverage, compared to the average cost of coverage in Utah of $155. 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 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

Read our 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 $155 per month for full coverage and $102 for minimum coverage. That's compared to a national average of $193 for full coverage insurance.

Ogden residents generally pay the least for car insurance in Utah at $143 per month. In contrast, people in Provo will generally pay the most, averaging about $164.

Utah car insurance rates by city

People living in more populated areas will likely pay more for auto coverage, such as those in Salt Lake City.

City Avg. monthly full-coverage premium
Salt Lake City $164
Midvale $171
Orem $158
Provo $164
Ogden $143

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 $155 per month for full coverage and $102 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 $94 per month for full coverage), which is only available to military members. 

GEICO is another affordable option, costing an average of $271 per month for full coverage and $138 for minimum coverage.

Data throughout provided by Insurify

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