A note from our editor: Are you looking for auto insurance for the very first time? Or are you trying to lower your monthly insurance premiums by shopping around for insurance companies? This article is a good place to start your research on car insurance. While you won’t see the exact rates we found, you can get an idea of which insurers offer the lowest premiums in your state.
Explore Utah for a variety of reasons, whether you’re interested in skiing or sightseeing.
Are you paying too much for car insurance? We surveyed insurance companies across the state in order to determine the average price of minimum coverage car insurance.
Our calculations were based on a driver profile that was relatively neutral — a Utah driver with no tickets, accidents or claims for example — in order to compare rates and provide a base line. (See our methodology). There are many factors that can affect your car insurance rates, such as your age, your vehicle type, your mileage, your coverage options, and your driving history. Don’t worry, we also found the best car insurance rates for different profiles and needs of drivers.
Learn about the average Utah car insurance rate and how to find the lowest rates.
Car insurance rates in Utah
The average monthly premium for auto insurance in Utah can range anywhere from $50 to $170, depending on coverage type and driver profile.
Average monthly car insurance premiums in Utah
|
Driver coverage |
Avg. Monthly cost |
|---|---|
| Utah full-coverage auto insurance | $171.83 |
| Utah minimum auto insurance requirements | $51.12 |
| Utah drivers with bad credit | $85.08 |
| Utah drivers with multiple claims | $118.87 |
| Young drivers in Utah | $81.20 |
Based upon our standard driver profile, minimum coverage and unless otherwise stated
Five cheapest auto insurance companies in Utah
USAA was the lowest-cost minimum coverage provider in our research for different driver profiles. As detailed in our methodology, we used a Utah driver profile to calculate the rates below. Our Utah driver, unless otherwise stated, has a credit score between 680 and 719, is aged 36 to 45 years old, has no traffic tickets or coverage gaps, and drives a car worth $20,000 to $30,000.
1. USAA
Our Utah driver profile can get minimum coverage car insurance from USAA for as low as $26.63 a month. USAA’s car insurance is available to USAA members, which includes U.S. Military members, spouses, and children. USAA offers a variety of discounts, including those for military personnel and the USAA SafePilot usage based insurance program.
Reviews of USAA car insurance are available.
2. Geico
Geico can offer its Utah driver profile auto insurance as low as $19.44 per month for the basic policy. Geico provides all of the standard coverages plus some extras such as emergency roadside assistance and rental reimbursement. Geico offers a wide range of discounts, and its mobile app allows users to manage policies, request roadside help, obtain a quote for photo repairs, etc.
Geico Auto Insurance Reviews: Read customer reviews.
3. General Casualty
General Casualty offers basic auto insurance at a monthly cost of $35.67 for our Utah driver profile. General Casualty is owned by QBE North America and offers the FlexAuto program. This program calculates rates every renewal based on the driver’s driving habits and history. Add-ons to the policy include bodily injuries, property damages, medical payments, and physical damage.
4. Auto-Owners’ Insurance
Auto-Owners Insurance can offer our Utah driver profile minimum coverage for as little as $36 per monthly. Auto-Owners Insurance offers standard coverages and standouts such as rental car insurance, common loss deductibles, and collision coverage advantages, which waives the collision deductible in case of an accident involving another Auto-Owners insured vehicle.
Reviews of Auto Owners auto insurance.
5. Farm Bureau Mutual (IA Group)
Farm Bureau Mutual can offer our Utah driver profile an affordable basic coverage policy starting at $39.17 a month. Farm Bureau provides insurance through local agents. The company offers collision, comprehensive, and no-fault insurance in addition to the minimum state mandated coverage. It also offers replacement cost insurance, a program for young drivers, roadside assistance, and Driveology, which rewards safe driving with a reduced rate.
Cheapest car insurance with full coverage in Utah
Full coverage includes coverage for bodily injury and property damage. It may also include coverages such as uninsured motorists, personal injury protection (PIP), collision, comprehensive, and collision with other vehicles. Utah requires a 25/65/15 minimum auto insurance policy. This is not full coverage. But your lender may require full coverage if you’re financing your car.
Below are the companies that offer full coverage insurance at the lowest possible rates.
Five cheapest car insurance companies in Utah
|
1 |
USAA |
$84.00/month |
|
2 |
Auto Owners Insurance |
$96.13/month |
|
3 |
ACCC Insurance Company |
$106.83/month |
|
4 |
Farm Bureau Mutual (IA Group) |
$108.50/month |
|
5 |
National Farmers Union P&C |
$119.79/month |
Based upon our standard driver profile, we seek full coverage in Utah rather than minimum coverage
Cheapest minimum state car insurance in Utah
State-minimum coverage is, as its name suggests, the minimum amount of insurance you can purchase. This is determined by your state. This is the cheapest type of insurance you can get.
The companies that offer the lowest rates are only interested in drivers who want to purchase state minimum coverage.
5 Cheapest Car Insurance Companies in Utah that offer State Minimum Coverage
|
1 |
USAA |
$26.63/month |
|
2 |
Geico |
$31.94/month |
|
3 |
General Casualty |
$35.67/month |
|
4 |
Auto Owners Insurance |
$36.00/month |
|
5 |
Farm Bureau Mutual (IA Group) |
$39.17/month |
Based on our standard driver profiles seeking minimum coverage in Utah
Lowest cost car insurance in Utah for people with good credit
Your credit score is one of many factors that can influence the cost of car insurance. Drivers with good credit tend to pay less than those with bad credit.
These companies offer the lowest rates to drivers with good credit.
Five of the cheapest auto insurance companies for Utah residents with good credit
|
1 |
USAA |
$23.35/month |
|
2 |
Auto Owners Insurance |
$24.75/month |
|
3 |
Geico |
$28.69/month |
|
4 |
General Casualty |
$30.78/month |
|
5 |
National Farmers Union P&C |
$32.69/month |
Based upon our standard driver profile and adjusted to display rates for Utah drivers with credit scores of 720 or more
Cheapest auto insurance for bad credit in Utah
Unfortunately, poor credit may mean that you pay a little more for auto insurance. There are ways to reduce the cost of car insurance, such as participating in discounts programs and maintaining a good driving record.
The five companies with the lowest estimated rates are those that consider drivers to be of poor credit.
5 Cheapest Car Insurance Companies in Utah for People with Bad Credit
|
1 |
Geico |
$42.10/month |
|
2 |
Nationwide |
$48.11/month |
|
3 |
General Casualty |
$50.38/month |
|
4 |
USAA |
$51.53/month |
|
5 |
ACCC Insurance Company |
$61.00/month |
Based on our standard Utah driver profile, rates are displayed for Utah drivers with credit scores below 580
Cheapest auto insurance in Utah for drivers who have multiple claims
The cost of insurance is also affected by your claims history. Multiple claims by drivers through their insurer may result in higher car insurance rates.
Following companies offer the lowest rates estimated for drivers who have multiple insurance claims.
5 Cheapest Car Insurance Companies in Utah for Multiple Claims
|
1 |
Nationwide |
$64.90/month |
|
2 |
Geico |
$71.22/month |
|
3 |
Progressive |
$73.39/month |
|
4 |
Allstate |
$75.94/month |
|
5 |
ACCC Insurance Company |
$80.50/month |
Based upon our standard driver profile and adjusted to display rates for Utah drivers with two claims rather than zero claims
Cheapest auto insurance for young drivers in Utah
Your age will also affect the cost of your insurance. Younger drivers are viewed as more risky and, therefore, more expensive to insure.
These companies offer the lowest rates estimated for drivers aged between 18 and 21.
Five cheapest auto insurance companies for young drivers in Utah
|
1 |
General Casualty |
$36.67/month |
|
2 |
Geico |
$48.53/month |
|
3 |
USAA |
$50.07/month |
|
4 |
ACCC Insurance Company |
$55.67/month |
|
5 |
Farm Bureau Mutual (IA Group) |
$60.17/month |
Based upon our standard driver profile and adjusted to display rates for an 18-21 year old Utah driver instead of 36-45
Utah auto insurance requirements
Utah requires bodily injury liability coverage of $25,000 per person, $65,000 per accident and $15,000 for property damage. Your coverage obligations may be greater if you have a loan or a lease on a vehicle.
Does Utah offer usage-based insurance?
Use-based insurance allows drivers to pay for their vehicle insurance based on how they drive. Utah drivers can qualify for discounts by participating in the UBI programs of their insurers.
FAQs on the lowest car insurance rates available in Utah
What is the minimum car insurance coverage in Utah?
Utah requires bodily injury liability coverage of $25,000 per person, $65,000 per accident and $15,000 for property damage liability.
Is Utah a no-fault state?
Utah is a state that is no-fault, meaning your insurance will cover your damages regardless of the person who caused it.
How many miles can you drive in Utah without plates?
If you have a temporary license, you can drive in Utah without plates. Permits let drivers drive their car for up to 30 days or 15 days until they can obtain the safety and emission certificates needed to renew registration. A 96-hour transit permit can be used to transport an unregistered car from one place to another in Utah or another state.
Methodology
These rates are based on a profile of a 36-45 year old driver living in Utah. The rates shown assume that there is only one driver on the policy, with no traffic tickets and no coverage gaps or claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000, and has a mileage of 12,000-15,000 per year. The estimated rates for good credit are based on scores above 720. Insurance rates are estimated for scores between 350 and 579. The estimated rates for young drivers are those between 18 and 21 years old. The estimated rates for multiple claims are based on the first two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies when calculating its rates. These are only estimates meant to be a comparison and frame of reference. Rates may vary depending on factors such as age, driving habits, and history.
The average monthly premium includes coverages for bodily injury, property damages, uninsured drivers, personal injury protection and collision and comprehensive. The average monthly cost of state-minimum auto insurance includes the 25/65/15 Utah no-fault policy.