Cheap Car Insurance In Utah
According to our rate estimates, USAA tends to be the most affordable car insurance company in Utah. with an average cost of $872 per year for a full coverage policy. Geico and Progressive follow close behind for cheap car insurance in the state with average annual costs falling below $1,100 a year.
How Much Is Auto Insurance In Utah?
The average cost of full coverage auto insurance for Utah drivers is $1,463 per year. This falls about 16 percent below the national average of $1,732 per year. According to the National Association of Insurance Commissioners (NAIC), Utah was the 24th-most expensive state for auto insurance in 2018.
Though the average cost of auto insurance in Utah is less than the national average, rates from providers will vary due to a variety of factors, such as:
- Age: Young drivers pay more for car insurance because they are considered high risk due to having less experience on the road.
- Gender: Men tend to pay more for car insurance than women in most states.
- Marital status: Most married drivers pay less for coverage and have more access to family or bundling discounts.
- Driving record: Speeding tickets, reported accidents, and DUIs can harm your chances of getting cheap car insurance rates. Those with clean driving records save the most money on comprehensive coverage.
- Credit score: Drivers with poor credit scores usually pay significantly more for auto insurance coverage than those with good credit scores.
- Coverage level: Full coverage policies cost more than state minimum liability coverage policies.
Cheapest Utah Car Insurance For Young Drivers
Our auto insurance rate estimates show that Geico, USAA, and Progressive are likely the best options for young drivers in Utah.
Cheapest Utah Car Insurance For Drivers With Speeding Tickets
Having a speeding ticket on your driving record can impact your car insurance premium. For Utah, USAA tends to be the cheapest option on average for drivers with speeding violations.
Cheapest Utah Car Insurance For Drivers With Recent Accidents
We found that USAA had the lowest estimated cost–$1,298 a year–for Utah drivers who have been in recent car accidents.
Cheapest Utah Car Insurance For Drivers With Bad Credit
Your credit report can drastically affect what you pay for car insurance in Utah. We found that Geico, Progressive, and USAA tend to be the most affordable options for drivers with low credit scores.
Top 5 Auto Insurance Companies In Utah
When rating car insurance providers, our team takes cost, coverage options, customer satisfaction, reputation, and more into consideration. For Utah auto insurance, Geico, USAA, and Progressive came out on top as the best choices, with State Farm and Allstate following close behind.
*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Utah.
#1 Geico: Best Overall Provider
As one of the nation’s leading providers, Geico is our No. 1 pick for car insurance in Utah. The company provides not only standard car insurance coverage but also mechanical breakdown insurance and rideshare coverage. In our review, we gave the company 5.0 stars–our highest rating.
Highly rated by industry professionals, Geico holds an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. Many customer reviews praise the company for its easy claims process, broad range of discounts, and affordable auto insurance rates, especially for good drivers.
Learn more about the provider in our comprehensive Geico insurance review.
#2 USAA: Best For Military Members
USAA is the fifth-largest auto insurer in the country and is our top choice for those who are part of the armed services. The provider offers great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers.
Though USAA is only available to current or former military members and their families, there are some great perks to coverage from this insurer. These include additional coverage options for rideshare and mileage-based driving as well as secure access to USAA’s mobile app, which you can use to pay bills, file a claim, or get new insurance ID cards.
Check out our USAA insurance review to see if the provider is a good choice for you.
#3 Progressive: Best Usage-Based Insurance
Best known for its quirky commercials, Progressive is our pick for best usage-based insurance coverage. The Snapshot® program bases insurance premiums on your driving habits, which are monitored through an app or a device installed in your car. The average Progressive-insured driver can save over $100 a year through the program.
Progressive is also a great option for those who own non-standard vehicles. It offers coverage for motorists and specialty vehicles such as ATVs, RVs, and boats, as well as classic, exotic, or sports cars.
For more information about the provider, read our Progressive insurance review.
#4 State Farm: Best For Student Drivers
As the largest auto insurer in the country, State Farm is known for its positive industry standing. The company holds an A rating from the BBB and scored above the industry average in several J.D. Power studies, including the J.D. Power 2021 U.S. Auto Insurance Study℠ for the Southwest region.
State Farm is an excellent choice for student drivers in Utah. The company offers a discount up to 25 percent for students under 25 who make good grades and a discount for college students away at school who only drive during the summer and holidays.
If you’re considering a policy with the company, check out our State Farm insurance review to learn more.
#5 Allstate: Best Local Agents
Allstate is one of the most trusted auto insurance companies on the market. The insurer is known for its helpful local insurance agents who provide a personalized experience for every customer. Because so many policyholders have praised Allstate agents for their excellent service, our team awarded the insurer the Best Local Agents designation.
Allstate is a reliable option for Utah drivers who prioritize great customer service, trustworthiness, and access to an abundance of discounts. Allstate earned an A+ financial strength rating AM Best, although earned a below-average rating in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, the most recent edition of the study.
Read our Allstate insurance review for more information about the provider and its coverage options.
Utah Insurance Requirements
According to the Utah Insurance Department, drivers need to meet the following state minimum coverage requirements:
- Bodily injury liability coverage: $25,000 per person/$65,000 per accident
- Property damage liability coverage: $15,000 per accident
- Personal injury protection (PIP) coverage: $3,000 per accident
Since Utah is a no-fault state, coverage requirements are slightly different compared to most other states. If you are involved in a car accident, you will need to file a claim through your own insurance rather than filing against the other involved driver.
How To Get Utah Car Insurance Quotes
When starting your search for car insurance in Utah, begin by getting free quotes from several top-rated providers to compare cost and coverage options. Most major providers offer quotes online, which is an easy way to get a sense of what you might pay for auto insurance with each company. You can also call companies for quotes, or you can reach out to an insurance agent or broker for a more personalized quote experience.
Utah drivers tend to find the cheapest auto insurance coverage from providers such as Geico, USAA, and Progressive, but your rates will depend on your vehicle type, driving record, age, credit history, and more. To figure out what you’d pay for Utah auto insurance coverage, compare car insurance quotes to find the right choice for you.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.