Cheapest Auto Insurance in Utah (2025)
USAA offers the cheapest liability car insurance in Utah, at $65 per month.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byElena Stratoberdha
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Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
The average monthly cost of car insurance in the state of Utah is $147, which is lower than the national average of $150. The Beehive State is home to 3.5 million residents, but it has a low population density of 39.7 people per square mile.[1] This low population density may explain why Utah drivers pay affordable average rates.
Here’s what you need to know about finding cheap car insurance in Utah.
Quick Facts
Utah drivers pay $113 per month for liability coverage and $181 for full-coverage insurance, on average.
USAA, Root, and Auto-Owners are the cheapest insurers for liability insurance.
Utah is a no-fault state, and drivers must carry a minimum amount of personal injury protection (PIP) coverage.
3 of the cheapest car insurance companies in Utah
The right amount of car insurance coverage will vary for each person, depending on your needs and budget. Car insurance companies calculate your monthly premium based on your driving record, age, credit history, ZIP code, and more. It’s important to compare quotes from multiple auto insurers.
Below is a breakdown of three of the cheapest companies in Utah.
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
4.9
Best choiceBased on 2,080 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,187)
Alberta
May 28, 2025
Verified Review
Excellent
It is good, just looking for a cheaper rate.
Tracey
May 28, 2025
Verified Review
USAA Auto Insurance Review
Very high priced, but good coverage.
Bobby
May 25, 2025
Verified Review
USAA Review
Difficult to reach.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Utah is home to 170,000 veterans, according to the Utah Department of Veterans and Military Affairs. Veterans in the state can qualify for low quotes from USAA, which exclusively serves current military members, veterans, and their families. The company also offers other financial products that members can benefit from.
Pros
Offers a 3% auto pay discount
Option for pay-as-you-drive coverage
Cons
Low rating on Trustpilot
No gap insurance
Auto-Owners
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
3.9
A solid optionBased on 196 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (117)
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Lois
April 20, 2025
Verified Review
Contract
I signed a contract for one price after the agent inspected my house. However, a few months later, another man came out and raised the premium. The contract didn't seem to mean a thing!
Richard
April 19, 2025
Verified Review
Time to Compare Rates
I have had no problems with Auto-Owners, I just want to compare rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has some of the cheapest car insurance quotes in Utah. In addition to standard coverage options, Auto-Owners offers road trouble service, additional expense, loan or lease gap, diminished value, rental auto gap, and at-fault accident forgiveness coverage. The company also offers a common loss deductible and collision coverage advantage waiver.
Pros
Affordable rates
Gap coverage available
Cons
Low customer review rating on Trustpilot
Low average mobile app rating
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.1
Best choiceBased on 11,151 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,012)
James
May 29, 2025
Verified Review
Excellent
I've been with them for over 30 years. However, the cost has tripled in the last 5 years.
Vicki
May 29, 2025
Verified Review
State Farm Review
In comparison to other companies so far, State Farm is the best for pricing of coverage. I have not used any services yet.
Mona
May 29, 2025
Verified Review
Loved State Farm
They were great to work with. I wouldn't think of leaving except for the huge increase in premiums.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a good option for drivers looking for full-coverage insurance and optional coverage endorsements. The company offers affordable average quotes in Utah. State Farm also offers numerous discounts to lower costs even further. Drivers can earn discounts for driving safely, having a vehicle with safety features, bundling coverage, insuring multiple vehicles, and more.
Pros
Significant bundling discount
Rideshare insurance available
Cons
Can’t purchase a policy online
No gap insurance
USAA vs. Auto-Owners and State Farm
If you’re shopping for car insurance in Utah, see how these three companies compare.
| | |
|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $80/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $97/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $106/mo* |
Overall rating 4.9 | Overall rating 3.9 | Overall rating 4.1 |
Value for money 4.9/5 | Value for money 3.4/5 | Value for money 3.9/5 |
Customer service 4.7/5 | Customer service 3.8/5 | Customer service 4.2/5 |
Claims handling 4.9/5 | Claims handling 3.9/5 | Claims handling 4.1/5 |
Special highlight Members of the military communityAI-generated from 1187 user reviews | Special highlight Cheap ratesAI-generated from 117 user reviews | Special highlight Customer serviceAI-generated from 6012 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get the cheapest car insurance in Utah
If you want to get cheap car insurance in Utah, you can lower your costs in a few different ways:
Look for discounts. Some insurance companies offer more discounts than others, or at higher levels. Check out what discounts are available and how much you could save.
Shop around. Check out a handful of insurance companies, look at customer reviews and coverage options, and compare car insurance quotes.
Maintain a good driving history. If you wear your seat belt, follow the speed limit, avoid distracted driving, and keep a clean driving record free of car accidents or speeding tickets, you can get low rates.
Find Cheap Car Insurance in Utah
Liability coverage starts at $65 per month in Utah
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance quotes in Utah: USAA
Utah requires drivers to purchase a minimum amount of liability insurance. This minimum level of coverage for bodily injury and property damage covers the expenses for the other driver if you cause an accident. Keep in mind that though it’s the cheapest coverage option, it may leave you in a vulnerable spot, as it doesn’t pay for your vehicle damages.[2]
Here are the cheapest liability-only car insurance companies in Utah.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $65 |
| Root | $76 |
| Auto-Owners | $79 |
| Sun Coast | $86 |
| State Farm | $87 |
| National General | $87 |
| Progressive | $92 |
| American Family | $110 |
| Clearcover | $117 |
| Allstate | $118 |
| Safeco | $118 |
| Dairyland | $119 |
| The General | $123 |
| Nationwide | $129 |
| GAINSCO | $134 |
| Foremost | $138 |
| Bristol West | $139 |
| Farmers | $153 |
| Liberty Mutual | $192 |
| State Auto | $201 |
| Direct Auto | $338 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Utah: USAA
Full-coverage insurance includes liability, collision, and comprehensive coverages. In addition, you can look into more coverage options you might want included in your policy. Full-coverage insurance differs from liability coverage because it offers more expansive vehicle protections. And your lender may require you to buy it if you finance or lease your vehicle.
Utah drivers who want higher levels of protection should look into affordable full-coverage options from the following companies.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $94 |
| Root | $114 |
| Auto-Owners | $115 |
| State Farm | $125 |
| Progressive | $133 |
| Sun Coast | $134 |
| Safeco | $148 |
| Clearcover | $149 |
| National General | $151 |
| American Family | $160 |
| Allstate | $171 |
| Nationwide | $187 |
| The General | $192 |
| Farmers | $222 |
| Liberty Mutual | $226 |
| Bristol West | $240 |
| Dairyland | $241 |
| GAINSCO | $277 |
| State Auto | $291 |
| Direct Auto | $522 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Utah
In Utah, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. As a no-fault state, Utah also requires PIP coverage so drivers can file a claim with their insurance company to cover their medical costs in the event of an incident, regardless of fault.
Utah drivers need to carry the following:[3]
Coverage Type | Coverage Limits |
|---|---|
| Bodily injury liability | $30,000 per person / $65,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $3,000 |
It can be a good idea to consider buying additional coverages to provide more protection. These are some common optional coverages:
Collision coverage
If you have an accident, liability coverage pays for the other driver’s damage. Getting collision coverage provides you with protection and covers any damage to your vehicle.
Comprehensive coverage
Non-collision events can damage your vehicle, such as weather, theft, or falling rocks. Comprehensive insurance covers you in these non-collision incidents.
Uninsured/underinsured motorist coverage
Despite state laws, some Utah drivers are uninsured. If you have an accident with an uninsured or underinsured motorist, this type of coverage will help protect you.
Average cost of car insurance by age
Age is one of the many factors companies use to determine your quotes. Teens and drivers younger than 25 pay the most for coverage due to their lack of experience. As drivers age and gain more experience, their rates start to decrease.
Older drivers tend to have the lowest quotes because they typically drive less and have a high level of experience. But around age 70, seniors could see their premiums increase due to a higher accident risk.
Age Group | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $196 | $314 |
| Adult drivers | $101 | $161 |
| Senior drivers | $91 | $145 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Utah by driving record
Your driving record is a key factor for car insurance companies when determining quotes, and having a clean driving record will help you qualify for lower rates. Having an incident on your record, such as a speeding ticket, at-fault accident, driving under the influence (DUI), or another traffic violation, can increase your premiums because of the elevated risk you pose.[4]
For example, Utah drivers with an at-fault accident pay an average of $154 per month for liability insurance compared to drivers with a clean record, who pay $113 per month.
Cheapest car insurance rates in UT with a speeding ticket
Getting a speeding ticket can increase your car insurance rates. The quotes shown below are for Utah drivers with a speeding ticket.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in UT with an at-fault accident
Insurance companies may increase your monthly premium after an at-fault accident. The quotes shown below are for Utah drivers with an at-fault accident.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in UT with a DUI
Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Utah drivers with a DUI.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in UT with an SR-22
High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Utah drivers with an SR-22.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
Cheap SR-22 Insurance in Utah From $75
How car insurance rates have changed in Utah
Full-coverage car insurance in Utah rose to an average of more than $2,000 per year in 2024 — a 15% increase from 2023, an Insurify report found. Contributing factors to this rate hike include population density in major cities, like Salt Lake City and Provo, as well as weather events.
Despite this increase, Utah’s average car insurance remains slightly lower than the national average. The chart below shows how rates have changed over the past two years.
Average Utah Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Where you live, down to the ZIP code, can affect how much your car insurance costs. This is because crime rates and accident levels vary by area.
Drivers in less populated areas will likely have cheaper premiums than drivers in Salt Lake City. The table below shows how quotes fluctuate by city.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageMidvale $123 $193 Ogden $106 $166 Orem $116 $188 Provo $120 $199 Salt Lake City $119 $183 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Utah car insurance FAQs
Before you start shopping around for coverage, you should determine the right amount of car insurance for your needs. The information below should help you navigate the process of buying auto coverage in Utah.
The overall average cost of car insurance in Utah is $1,767 per year. Utah drivers pay an average of $1,359 for liability coverage and $2,175 for full-coverage insurance annually. The monthly average cost of car insurance in Utah is $147. Liability coverage costs $113 per month. Full-coverage insurance costs more, with an average rate of $181 per month.
How much you pay for coverage will depend on your driving record, age, credit history, and more.
USAA has the cheapest liability car insurance in Utah, at $65 per month. Other similar companies that offer affordable coverage include Root and Auto-Owners, with monthly average liability quotes of $76 and $79, respectively. The best way to find cheap quotes is to compare multiple insurance companies.
State Farm has a high Insurify Quality (IQ) Score of 9.3, an A++ (Superior) financial strength rating from AM Best, and low average rates, making it the best car insurance company in Utah. On average, State Farm policyholders in Utah pay $87 per month for liability coverage and $125 for full coverage. Other top companies include Auto-Owners and USAA.
Utah drivers must carry a minimum of $30,000 per person and $65,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $3,000 in personal injury protection (PIP) coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- United States Census Bureau. "QuickFacts Utah."
- III. "Auto insurance basics—understanding your coverage."
- Utah.gov. "Utah Code Section 31A-22-304."
- III. "What determines the price of an auto insurance policy?."
)
Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Elena Stratoberdha is an Editorial Assistant at Insurify. Before joining the content team at Insurify, Elena earned her bachelor’s degree in English Literature and Writing from Simmons University, where she collaborated as a copy editor and led the layout design for two student-run magazines: Sidelines and MindScope Magazine.
In her free time, Elena enjoys writing creative and short fiction, knitting, running near the beach, and exploring new music genres.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.