Cheap Car Insurance in Utah (June 2023)

The “best” car insurance provider is subjective to each driver’s needs. Although you should consider factors like customer reviews, A.M. Best ratings, and average monthly policy rates, it’s important to choose an insurer that can provide the coverage and service you need for a rate you can afford.

The average monthly car insurance rate in Utah is $182, but many insurers offer lower rates. That’s why it’s always smart to compare rates from multiple companies to see which can offer the lowest rate for your desired coverage.

Best car insurance companies in Utah

Many insurers offer auto insurance in Utah, including both regional and national providers. You’ll find that the best car insurance company in Utah for you is the one that best matches your individual needs.

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Best car insurance overall in Utah: State Farm

State Farm

When it comes to overall value, Utah drivers can look to State Farm for some of the lowest monthly rates. State Farm has more than a century of industry experience and is rated A++ by A.M. Best. The company has an IQ Score of 4.4 out of 5.

State Farm also offers discounts that can increase its affordability for drivers of diverse ages. Along with accident-free discounts, young drivers can save more if they maintain good grades. However, discounts like the Drive Safe & Save program can both lower and raise rates based on driving habits.

State Farm does have some poor reviews on BBB and Trustpilot, with many complaints citing bad customer service and delays in getting claims resolved.

Utah drivers pay an average of $63 per month for liability-only insurance and $94 per month for full-coverage insurance through State Farm.

State Farm pros and cons

Best cheap car insurance in Utah: USAA

USAA

With an IQ Score of 4.5 out of 5, USAA is one of Insurify’s highest-rated insurers. A.M. Best also rates USAA at A++ (Superior) for financial strength.

In addition to auto insurance, drivers can also access additional insurance products from USAA, including homeowners insurance and life insurance. The largest downside is that USAA is only available to qualified military members and their families.

USAA was founded in Texas in 1922 as an automobile insurer for U.S. Army officer vehicles. Over the last century, it has continued to operate as a membership-only insurer and offers some of the cheapest rates for car insurance to members in Utah and around the country.

Utah drivers pay an average of $47 per month for liability-only insurance and $70 per month for full-coverage insurance through USAA.

USAA pros and cons

Best car insurance for value in Utah: American Family

American Family

Value-conscious consumers will appreciate American Family’s prices, coverage, and discount options, including gap coverage, rental reimbursement coverage, and emergency roadside assistance. Discounts designed for families include good student discounts (inclusive of homeschooled students), teen safe-driver discounts, away-from-home college discounts, young volunteer, and generational discounts.

American Family has lower average premiums than the state average. It also has an IQ Score of 4.3, which is higher than many competitors.

Utah drivers pay an average of $80 per month for liability-only insurance and $119 per month for full-coverage insurance through American Family.

American Family pros and cons

Best car insurance for commuters in Utah: Liberty Mutual

Liberty Mutual

Liberty Mutual’s diverse coverage options make it a good choice for commuters in Utah. Lifetime repair guarantees, new-car replacement insurance, gap coverage, and 24/7 roadside assistance are advantageous for many commuters. Teachers can especially benefit from Liberty Mutual’s auto insurance coverage for teachers, which provides extra protection for their car and also teaching materials.

The J.D. Power 2022 U.S. Auto Insurance Study, based on overall customer satisfaction, ranks Liberty Mutual below average. The insurer stands in the middle of the pack when taking into account its IQ Score of 3.8.

Utah drivers pay an average of $149 per month for liability-only insurance and $218 per month for full-coverage insurance through Liberty Mutual.

Liberty Mutual pros and cons

Best car insurance for tech-savvy consumers in Utah: Clearcover

Clearcover

Clearcover is a favorable insurer thanks to its easy-to-use app. Reviews suggest that Clearcover’s streamlined app and low introductory rates for new customers are beneficial reasons to switch, though some negative reviews also cite increasing insurance premiums, even for drivers with clean records.

A tech-focused auto insurer, Clearcover has an A+ BBB rating with a 3.74/5 rating based on 96 reviews. One of Clearcover’s advantages is its speed of service: The company pays out customer claims in as little as 10 minutes after you submit a qualified claim.

Utah drivers may pay an average of $95 per month for liability-only coverage and $135 per month for full coverage.

Clearcover pros and cons

Best car insurance for students in Utah: Auto-Owners

Auto-Owners

Auto-Owners has some of the lowest average premium rates for both liability-only and full-coverage policies in Utah. This makes it an attractive option for students. Whether they live at home or are enrolled in college out of town, this insurer offers a good-student discount, a teen-driver monitoring discount, and a discount for students away at school.

Auto-Owners has an IQ Score of 4.1, as well as an A++ rating from A.M. Best and an A+ BBB rating. It offers a range of coverage options, though the company operates in only 26 states.

Utah drivers pay an average of $57 per month for liability-only insurance and $86 per month for full-coverage insurance through Auto-Owners.

Auto-Owners pros and cons

Best car insurance for retirees in Utah: Progressive

Progressive

Progressive is the third-largest auto insurer in the nation. Retirees might look to Progressive for cheap car insurance rates, thanks to its many discounts applicable to older adults. Discounts are available for owning a home, paying premiums in full, having multiple policies, maintaining an accident-free record for five years, and abstaining from drinking alcohol.

Progressive also has the Snapshot program, which uses telematics to track driving behavior and reward policyholders for their safe driving. And although the company also offers accident forgiveness programs, they’re limited to a low-dollar claim amount or only available after being accident-free for five years.

Progressive pros and cons

Best car insurance for renters in Utah: Kemper

Kemper

Kemper offers a variety of insurance products, including auto and renters insurance. Its renters insurance includes property and liability coverage, as well as optional coverage options.

Kemper is broken into four separate businesses, so potential customers will have to reach out to individual local agents based on their needs. These agents may provide more personalized service than insurers only offering digital customer service, though many policyholders report poor customer service. Kemper has had more than 1,000 customer complaints via the BBB in the last three years and a 1.02/5 rating, despite its A+ standing. 

Utah drivers with clean records pay an average of $101 per month for liability-only coverage and $209 per month for full coverage.

Kemper pros and cons

Best car insurance for high-risk drivers in Utah: Bristol West

Bristol West

Bristol West is a good choice for high-risk drivers in Utah, specifically because the insurer works with drivers who don’t have stellar records. Bristol West offers a variety of coverage options, whether you’ve had a DUI, traffic infraction, or limited credit history. This also means that it has some of the highest average monthly premiums.

Bristol West has nearly 50 years of experience in the insurance industry. It holds an A rating from A.M. Best and has an A rating from BBB, though its customer reviews stand at a 1.32/5 rating.

Utah drivers with clean records may pay an average of $202 per month for liability-only coverage and $305 per month for full coverage.

Bristol West pros and cons

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Oklahoma drivers.

How to shop for the best car insurance in Utah

Shopping for the best car insurance can feel overwhelming, especially if you’re unsure which company is truly best for you. The “best” insurer will accommodate your coverage, budget, and customer service needs. It should also provide you with confidence that your claims will be handled smoothly.

When determining the best auto insurer for you, consider the following:

1. What are the minimum state-required coverage costs?

2. Who’s covered under each coverage option?

3. Which optional coverages does it offer or not offer?

4. What deductible or out-of-pocket claim expenses are your responsibility?

5. Are you eligible for any discount incentives?

6. What traffic infractions or accidents will increase your premiums?

7. Does the insurer have stable financial status for paying out claims?

8. Is the insurer available regionally, nationally, or only in Utah?

9. What is its claims process like?

How to get the cheapest car insurance in Utah

Remember that your driving history, credit score, age, vehicle type, and location all influence your premium rates. This means you can often lower your rates by improving your credit score, maintaining a clean driving record, or purchasing a safer vehicle.

These tips can also often help you reduce your rates:^[1]

1. Ask if you qualify for any car insurance discounts. An insurer’s quote that’s initially high may lower significantly after discounts have been applied.

2. See if any group insurance plans are available through your employer, alumni group, or another organization. Your membership might let you qualify for a cheaper policy.

3. Shop around as much as possible. Get quotes from well-known insurers, local agencies, and online-only insurers alike, to see which can offer you the best rates.

Minimum car insurance requirements in Utah

All states require a driver to maintain a minimum amount of auto insurance if they have a valid driver’s license, regardless of whether they own a car or not. Utah state law requires the following minimum car insurance requirements:^[2]

Keep in mind that although these are the only coverage limits required by state law, you don’t have to settle for the minimum amount. You have the option to purchase a variety of additional coverages to better protect your car, your passengers, and any objects, people, or property that you wish.

Liability-only vs. full-coverage insurance in Utah

Utah requires all drivers to maintain a minimum level of liability auto insurance. Liability-only coverage pays for the injuries, death, or property damage caused by someone driving your car. Utah also requires personal injury protection insurance, which covers the injuries you or your passengers sustain.

You can choose to purchase optional additional coverage, like collision coverage, which pays for damages resulting from colliding with trees or other cars. You can also purchase comprehensive coverage, which pays for damages from weather, fires, vandalism, and theft.^[3] Full-coverage policies include liability, comprehensive, and collision coverage.

It might make sense to choose liability-only coverage if:

• You live in a city where you rarely drive

• Your budget is tight

• Your car has a low value

You might also want to consider full coverage if you’ve got inexperienced drivers, like teens, on your policy, because they’re statistically more likely to be involved in an accident.^[4]

Here’s a look at how your policy type can affect your auto insurance quote. Below, you can see that many insurers fall well below the state average of $182.

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Utah car insurance rates by driving and accident history

Speeding tickets, driving under the influence, and at-fault accidents all affect your car insurance rates. Each insurer may raise premiums differently for each incident. Some may offer accident forgiveness for certain claims, which means they won’t raise your rate on qualified claims.

Many insurers will raise your rate by a certain percentage based on the severity of the issue and if you’re determined to be at fault. For instance, an at-fault accident may increase your premium for three years, while a DUI charge may convince the insurer not to renew your policy.^[5]

If you’re considered a high-risk driver based on your driving history, you can look for insurers who offer coverage specifically for drivers with a history of at-fault accidents or traffic violations.

Here’s a look at average monthly quotes for the cheapest car insurance in Utah based on driving and accident history.

SR-22 insurance in Utah

SR-22 insurance isn’t a type of insurance, such as liability-only or comprehensive coverage. Rather, it’s a form that a driver must file in certain states to prove that their auto insurance policy meets the minimum liability coverage required by state law. A driver might need to file for an SR-22 form if they’ve had their license revoked, because of a DUI for example, or if their registration has lapsed.

You can also use an SR-22 form to reinstate your vehicle registration in the state of Utah, in combination with paying a reinstatement fee and presenting evidence of ownership. The following insurers offer SR-22 insurance in Utah:

• Allstate

• American Family Insurance

• Auto-Owners

• Farmers

• GEICO

• Progressive

• State Farm

• USAA

Utah car insurance quotes by credit tier

Utah allows insurance companies to look at a driver’s consumer credit information to assess an insurance score.^[6] Also known as a credit-based insurance score, this number is derived from the insurer’s own scoring model. Although this number will differ from your consumer credit score, it does consider that score in the assessment.

When an insurer looks at your credit report, it considers your credit score and other factors to determine your level of responsibility. Policyholders with excellent or good credit scores are thought to be more responsible than those with poor credit scores. Typically, the higher the credit score, the better the premium rate the insurer will set.

Your credit score is only one factor influencing your premium. But it’s important to check your credit report to make sure no discrepancies are present.

Car insurance quotes in Utah cities

Car insurance rates can vary by city and even in different ZIP codes within the same city limits. For example, Salt Lake, Weber, and Cache counties had the highest crash rates in Utah in 2021, according to Utah Department of Public Safety data.^[7] However, because these areas have higher populations, the potential for accidents increases.

Cities like Sandy, Ogden, and Salt Lake City reported cheaper car insurance rates compared to the state average. A number of factors could influence these comparisons, such as the fact that more fatal crashes happen in rural Utah than in urban areas or variances in driving habits, like the average number of miles driven.

The table below shows the average monthly quotes for 12 Utah cities and how their rates compare to the state average of $182 per month.

Least expensive Utah cities

Most expensive Utah cities

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Utah car insurance rates by driver age

A driver’s age affects their car insurance rates, with younger drivers tending to have higher average monthly premiums than older drivers. This is because teenagers have crash rates four times higher than drivers older than 20 per mile driven.^[8]

Because industry data suggests a higher likelihood of accident potential for younger drivers, it’s not surprising that average monthly quotes for teens and those younger than 25 may be $100 to $200 more than for drivers 40 and older.

It’s also important to note that drivers in their 60s may pay less, on average, than drivers in their 70s and 80s. This may be because the Centers for Disease Control and Prevention (CDC) notes that drivers older than 70 have higher rates of fatal crashes than middle-aged drivers.^[9]

Utah car insurance FAQs