The average monthly cost of car insurance in the state of Utah is $133, which is lower than the national average of $155. The Beehive State is home to 3.4 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 $96 per month for liability coverage and $170 for full-coverage insurance, on average.
USAA, Clearcover, and Safeco 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.

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 rates based on your driving record, age, credit history, ZIP code, and more. It’s important to compare quotes from multiple auto insurers.

Here are liability and full-coverage quotes from some of the cheapest car insurance companies in Utah.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
USAA	4.5	$97	$65	Veterans
Auto-Owners	4.0	$118	$79	Cheap rates
State Farm	4.5	$129	$87	Customizable coverage

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.

Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for the military community: USAA

military community USAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	856
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.	$97/mo

Overview

Utah is home to 170,000 veterans, according to the Utah Department of Veterans and Military Affairs.^[2] Veterans in the state can qualify for low rates from USAA, which exclusively offers coverage to current military members, veterans, and their families. Plus, the company offers other financial products that members can benefit from.

Pros and cons

Pros

Offers a 3% auto pay discount
Option for pay-as-you-drive coverage

Cons

Low rating on Trustpilot
No gap insurance

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Best insurer for cheap rates: Auto-Owners

cheap rates Auto-Owners

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.1
A.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++
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.	$118/mo

Overview

Auto-Owners offers some of the cheapest car insurance rates in Utah. In addition to standard coverage options, Auto-Owners also 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 and cons

Pros

Affordable rates
Gap coverage available

Cons

Low customer review rating on Trustpilot
Low average mobile app rating

Reviews

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023

Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023

Verified

You can work directly with an agent.

Guy - May 17, 2022

Verified

Read our Auto-Owners review

Best insurer for customizable coverage: State Farm

customizable coverageState Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$129/mo

Overview

State Farm is a good option for drivers looking for full-coverage insurance and optional coverage endorsements. The company offers affordable average rates 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 and cons

Pros

Significant bundling discount
Rideshare insurance available

Cons

Can’t purchase a policy online
No gap insurance

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

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 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. Unfortunately, liability coverage doesn’t pay for your vehicle damages, which can leave you in a vulnerable spot.^[3] However, it’s the cheapest coverage option.

Here are the cheapest liability-only car insurance options in Utah, starting with the lowest rate of $65 per month from USAA.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	65
Clearcover	71
Safeco	72
Sun Coast	73
Auto-Owners	79
Midvale Home & Auto	83
State Farm	87
Progressive	92
GEICO	93
Dairyland	94
National General	94
Liberty Mutual	95
GAINSCO	110
American Family	110
Allstate	118
Nationwide	129
The General	133
State Auto	143
Bristol West	148
Farmers	153

Cheapest full-coverage car insurance in Utah: Clearcover

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, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Clearcover	88
USAA	97
Travelers	108
Auto-Owners	118
Safeco	120
Sun Coast	125
Midvale Home & Auto	129
State Farm	129
Progressive	137
GEICO	139
Liberty Mutual	153
Nationwide	163
American Family	164
Allstate	177
National General	202
Dairyland	203
The General	212
GAINSCO	218
Farmers	228
State Auto	234
Bristol West	259

Estimate your Utah car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

Save 39%

Car insurance requirements in Utah

Most states require drivers to meet minimum coverage requirements. In Utah, drivers must obtain minimum amounts of bodily injury and property damage liability coverage.^[4] As a no-fault state, Utah also requires PIP coverage so drivers can file a claim with their own insurance company to cover their medical costs in the event of an incident, regardless of fault.

The specific coverage limits required in the state will increase starting in 2025, according to the Utah State Legislature.^[5] Here are the state’s current requirements:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $65,000 per accident
Property damage liability	$15,000 per accident
Personal injury protection (PIP)	$3,000

It can be a good idea to consider buying additional coverages to provide more protection. Common optional coverages include the following:

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 coverage fills in the gap and 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.

Cheapest car insurance for drivers with an incident

Your driving record is a key factor for car insurance companies when determining rates. Having a clean driving record will help you qualify for lower rates. The presence of one or more incidents on your record — such as a speeding ticket, at-fault accident, or driving under the influence (DUI) charge — can increase your premiums because of the elevated risk you pose.^[6]

Premium increases vary based on your insurance company, as well as the severity and frequency of the incidents on your record. On average, Utah drivers with a past incident pay $174 per month for car insurance.

Shop for Car Insurance in Utah

Monthly rates start at $85 for drivers with an incident

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: USAA

Utah has a points system for speeding and other moving violations. These points can negatively affect your driving record and lead to an increase in car insurance rates. The average cost of liability insurance for Utah drivers with a past speeding ticket is $134 per month.

In the table below, you can compare average quotes for Utah drivers with a clean record and with a speeding ticket.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	59	91
Clearcover	64	99
Safeco	65	100
Sun Coast	66	102
Auto-Owners	72	110
Midvale Home & Auto	75	116
State Farm	79	121
Progressive	83	128
GEICO	84	130
Dairyland	85	131
National General	85	131
Liberty Mutual	86	133
GAINSCO	100	154
American Family	100	154
Allstate	107	165
Nationwide	117	180
The General	121	186
State Auto	130	200
Bristol West	134	207
Farmers	139	214

Cheapest car insurance for drivers with an at-fault accident: USAA

Aside from potential injuries and property damage, having an at-fault accident can also result in higher insurance premiums. Your insurer will view you as a higher-risk driver with a greater chance of future accidents. Utah drivers with an at-fault accident might want to compare quotes at the time of renewal and consider the following car insurance companies.

Utah drivers with a past at-fault accident pay an average of $138 per month for liability coverage. You can see how an accident affects quotes compared to a clean driving record.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
USAA	59	93
Clearcover	64	102
Safeco	65	104
Sun Coast	66	105
Auto-Owners	72	114
Midvale Home & Auto	75	119
State Farm	79	125
Progressive	83	132
GEICO	84	134
Dairyland	85	135
National General	85	135
Liberty Mutual	86	137
GAINSCO	100	158
American Family	100	158
Allstate	107	170
Nationwide	117	185
The General	121	191
State Auto	130	206
Bristol West	134	213
Farmers	139	220

Cheapest car insurance for drivers with a DUI: USAA

Whether under the influence of alcohol or some other substance, a DUI is a major offense. Utah drivers with a DUI face license suspension and higher car insurance premiums.^[7] Car insurance companies will view you as a high-risk driver if you have a DUI conviction. In turn, you’ll pay more for car insurance when you can drive again.

Drivers in the state with a past DUI pay an average of $157 per month for liability car insurance. If you have a DUI in Utah, the following companies offer the most competitive quotes.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
USAA	59	106
Clearcover	64	116
Safeco	65	118
Sun Coast	66	120
Auto-Owners	72	129
Midvale Home & Auto	75	136
State Farm	79	142
Progressive	83	151
GEICO	84	152
Dairyland	85	154
National General	85	154
Liberty Mutual	86	156
GAINSCO	100	180
American Family	100	180
Allstate	107	193
Nationwide	117	211
The General	121	218
State Auto	130	234
Bristol West	134	242
Farmers	139	251

Cheapest car insurance for seniors: USAA

Your age has a significant effect on your car insurance premiums. Getting older comes with more driving experience and cheaper car insurance rates. In fact, senior drivers around retirement age typically qualify for the lowest rates when compared to other age groups.

Premiums decrease between the ages of 35 and 69. At about 70, senior drivers may face an increase in insurance costs due to aging-related risk factors, like diminishing vision and coordination.

Below, you can see which insurance companies offer the cheapest quotes for senior drivers.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
USAA	45	67
Clearcover	49	61
Safeco	50	83
Sun Coast	51	87
Auto-Owners	55	82
Midvale Home & Auto	57	89
State Farm	60	89
GEICO	64	96
Progressive	64	95
Dairyland	65	141
National General	65	140
Liberty Mutual	66	106
GAINSCO	76	151
American Family	76	114
Allstate	82	123
Nationwide	89	113
The General	92	147
State Auto	99	162
Bristol West	103	179
Farmers	106	158

Cheapest car insurance for teens: USAA

Due to a lack of driving experience, young drivers generally face much higher car insurance rates than other age groups. Teen drivers have more incidents of fatal car crashes and a greater likelihood of engaging in risky driving behaviors, such as speeding or driving under the influence.

To earn the lowest rates, it’s smart for teens to join their parents’ car insurance policy, have a car with updated safety features, and look into potential good student discounts.

Here, you can see the most affordable car insurance options for teens for both liability and full coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Liability Only	Full Coverage
USAA	122	181
Clearcover	133	165
Safeco	135	224
Sun Coast	136	234
Auto-Owners	148	221
Midvale Home & Auto	155	241
State Farm	163	241
Progressive	172	256
GEICO	174	260
Dairyland	176	380
National General	176	378
Liberty Mutual	178	286
GAINSCO	206	408
American Family	206	307
Allstate	221	331
Nationwide	241	305
The General	249	396
State Auto	267	438
Bristol West	277	484
Farmers	286	426

Find Car Insurance in Utah

Insurify partners with 70+ top insurers for real-time quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Utah car insurance quotes by credit tier

The state of Utah allows auto insurance companies to consider credit-based insurance scores for underwriting, but some restrictions apply. For example, insurers can’t use poor credit as the only reason to cancel an auto policy.

Drivers with excellent or good credit generally qualify for the best car insurance rates. On the other hand, drivers with poor credit typically have higher premiums. Here are the average full-coverage car insurance quotes for Utah drivers by credit tier.

Rates by Credit Tier

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.

How much is car insurance in Utah?
The overall average cost of car insurance in Utah is $1,594 per year. Utah drivers pay an average of $1,150 for liability coverage and $2,038 for full-coverage insurance annually. The monthly average cost of car insurance in Utah is $133. Liability coverage costs $96 per month. Full-coverage insurance costs more, with an average rate of $170 per month.
How much you pay for coverage will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Utah?
USAA has the cheapest liability car insurance in Utah, at $65 per month. Clearcover — the second-cheapest insurer in Utah — offers a monthly liability rate of $71. The third-cheapest company in Utah is Safeco, which has a monthly rate of $72 for liability insurance. The best way to find cheap rates is to compare quotes from multiple insurers.
What are the best car insurance companies in Utah?
State Farm has a high Insurify Quality (IQ) Score of 4.4 out of 5, 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 $129 for full coverage. Other top insurers include Auto-Owners and USAA.
What is the minimum car insurance required in Utah?
Utah drivers must carry a minimum of $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, and $3,000 in personal injury protection (PIP) coverage.

Insurify Insights

How Utah Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Utah below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Utah drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

#12

State with the Most Speeding Tickets Rank

#13

State with the Moving Violations Rank

#11

State with the Most DUIs Rank

#29

State with the most Suspended Licenses

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Utah is the #14 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #14
- Percent of drivers in Utah with an accident: 9.7%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Utah is the #11 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #11
- Percent of drivers in Utah with a DUI: 2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Utah is the #18 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #18
- Percent of drivers in Utah with a reckless driving offense: 1.5%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Utah is the #16 state in the country for drivers with a rude driving violation on record.
- Rank among states: #16
- Percent of drivers in Utah with a rude driving violation: 1.8%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Utah is the #12 state in the country for drivers with a speeding ticket on record.
- Rank among states: #12
- Percent of drivers in Utah with a speeding ticket: 10.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Utah is the #42 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #42
- Percent of drivers in Utah with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

More cities in Utah

More states

Sources

United States Census Bureau. "QuickFacts Utah." Accessed October 27, 2023
Utah Department of Veterans and Military Affairs. "Frequently Asked Questions." Accessed October 27, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed October 27, 2023
Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements." Accessed October 27, 2023
Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.." Accessed October 27, 2023
Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed October 27, 2023
Utah Department of Public Safety. "DUI Suspension Times." Accessed October 27, 2023

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.

Learn More

Edited byKatie PowersAuto and Life Insurance Editor

Katie PowersAuto and Life Insurance Editor

Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Read Editorial Guidelines

View Full Bio

Featured in

Reviewed byShawn PowersVP of Insurance Sales at Insurify

Shawn PowersVP of Insurance Sales at Insurify

Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

Read Editorial Guidelines

View Full Bio

Featured in

Data reviewed byKonstantin HalachevVice President of Engineering

Konstantin HalachevVice President of Engineering

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.

Read Editorial Guidelines

View Full Bio

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Cheapest car insurance companies in Utah

Best insurer for the military community: USAA

military community USAA

Best insurer for cheap rates: Auto-Owners

cheap rates Auto-Owners

Best insurer for customizable coverage: State Farm

customizable coverageState Farm

How to get the cheapest car insurance in Utah

Find Cheap Car Insurance in Utah

Cheapest liability-only car insurance in Utah: USAA

Cheapest full-coverage car insurance in Utah: Clearcover

Estimate your Utah car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Utah

Collision coverage

Comprehensive coverage

Uninsured/underinsured motorist coverage

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Utah

Cheapest car insurance for drivers with a speeding ticket: USAA

Cheapest car insurance for drivers with an at-fault accident: USAA

Cheapest car insurance for drivers with a DUI: USAA

Cheapest car insurance for seniors: USAA

Cheapest car insurance for teens: USAA

Find Car Insurance in Utah

Utah car insurance quotes by credit tier

Rates by Credit Tier

Utah car insurance FAQs

Insurify Insights

How Utah Drivers Measure Up

Ford F-Series Pickup

#12

#13

#11

#29

Methodology

Related articles

More cities in Utah

More states

Sources

Compare Car Insurance Quotes Instantly

Latest Articles

Nissan Altima Car Insurance (2023)

State Farm, Kentucky Reach $1.35M Settlement

Cost of Toyota Corolla Car Insurance (2023)

Cost of Toyota Tacoma Car Insurance (2023)

Farmers Car Insurance Reviews: Ratings and Quotes (2023)

Cost of Nissan Rogue Car Insurance (2023)

Table of contents