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In Utah, USAA, Auto-Owners, and Root rank among the cheapest car insurance providers.
Full-coverage car insurance in Utah averages $148 per month, compared to $186 nationally. Your actual rate hinges on multiple factors, including your age, driving history, and where you live. The most reliable way to find your rate is to compare quotes from several insurance companies.
We've analyzed the most affordable car insurance options in Utah across different coverage types, driver profiles, and insurance companies.
Affordable full-coverage car insurance in Utah
In Utah, full-coverage insurance averages $148 monthly, while $186 is the national average. Among the state's cheapest car insurance providers, USAA, Auto-Owners, and Root lead the pack.
| Average monthly full coverage cost | |
| Utah average | $148 |
| National average | $186 |
| USAA | $86 |
| Auto-Owners | $105 |
| Root | $129 |
| State Farm | $114 |
Affordable liability-only car insurance in Utah
For drivers seeking most affordable liability car insurance providers in Utah, Root, USAA, and National General offer competitive rates.
Liability-only coverage in Utah costs an average of $100 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| Utah average | $100 |
| National average | $104 |
| Root | $85 |
| USAA | $61 |
| National General | $80 |
| Sun Coast | $90 |
Cheap car insurance in Utah by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest premiums, averaging $288 monthly in Utah because of their limited driving experience.
Rates drop as drivers reach their 20s, averaging $191 per month. Drivers in their 30s and 40s see further decreases, paying around $153 and $151 monthly, respectively.
Premiums can increase again for drivers who reach their 60s and beyond. Utah seniors average $119 monthly in their 60s and $130 in their 70s.
These age-based premium changes reflect varying risk levels across age groups, with inexperienced younger drivers and older drivers sometimes facing higher rates because of factors like health conditions and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $288 | $195 |
| 20s | $191 | $130 |
| 30s | $153 | $104 |
| 40s | $151 | $102 |
| 50s | $140 | $95 |
| 60s | $119 | $81 |
| 70s | $130 | $88 |
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Cheap car insurance in Utah for high-risk drivers
Moving violations or accidents on your record typically result in higher insurance premiums. Below are the average costs for Utah drivers with accidents, speeding tickets, or DUI convictions, based on car insurance if you have a bad driving record rates.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $185 | $126 |
| Speeding ticket | $168 | $114 |
| DUI | $238 | $162 |
Compare low-cost car insurance after an accident
For Utah drivers with an accident on their record, USAA, Auto-Owners, and Root provide affordable options. The monthly average for full-coverage insurance with an accident history is $185.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $110 | $78 |
| Auto-Owners | $131 | $94 |
| Root | $162 | $106 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Utah drivers with a speeding ticket can find competitive rates from USAA, Auto-Owners, and State Farm. Full coverage for those with speeding violations averages $168 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $104 | $74 |
| Auto-Owners | $127 | $91 |
| State Farm | $135 | $97 |
Compare low-cost car insurance after DUI conviction
Utah drivers with a DUI conviction can find affordable full coverage from USAA, Auto-Owners, and Sun Coast. Full coverage with a DUI on record averages $238.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $132 | $94 |
| Auto-Owners | $160 | $114 |
| Sun Coast | $208 | $145 |
Cheap car insurance in Utah by credit score
Drivers in Utah with excellent credit pay an average of $131 monthly. Those with poor credit face steeper premiums, starting at $185 per month.
These rate differences reflect how credit scores influence insurance pricing, with poor credit leading to higher premiums because of the perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $131 | $89 |
| Good | $141 | $95 |
| Average | $153 | $104 |
| Poor | $185 | $126 |
FAQs
What unique insurance requirements does Utah have as a no-fault state?
Utah stands apart as one of the few no-fault states, requiring all drivers to carry personal injury protection (PIP) coverage in addition to standard liability insurance. This PIP coverage also includes a funeral allowance if a passenger dies in an accident, with the remaining coverage amount passed to their heirs.
Why do Salt Lake City area drivers pay more for insurance?
Drivers in Salt Lake City and surrounding suburbs generally face higher premiums than rural Utah residents primarily due to elevated auto theft rates and increased traffic congestion in the metropolitan corridor. Population density, road quality, and crime statistics create higher risk profiles that insurers reflect in their pricing.
How does Utah's weather affect comprehensive coverage needs?
Utah's unpredictable and often harsh weather conditions throughout all four seasons make comprehensive coverage particularly valuable for Utah drivers. From heavy winter snowstorms in the mountains to summer flash floods in southern Utah, weather-related vehicle damage occurs year-round and across diverse terrain. Comprehensive coverage protects against these non-collision incidents, which is especially important given Utah's dramatic elevation changes and the rapid weather shifts that can catch drivers off guard.
Bottom line
These companies might offer the lowest rates in Utah overall, but that doesn't guarantee they're your cheapest option. Your best approach is to gather quotes from multiple insurance providers and evaluate them based on both price and service quality.
Data throughout provided by Insurify.
Average rate:
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