Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Chris is Insurify’s Senior Editor for home insurance. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone.
Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators.
Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota.
Shawn Powers is the Vice President of Insurance Sales at Insurify. He’s been in insurance for over 25 years, working as an agent, a sales coach, and a sales director at both big and small insurers. Most recently, he spent 15 years as the Vice President of Sales and Operations at Answer Financial, an Allstate company.
Shawn is a licensed insurance agent in over 40 states. With his expertise, he strives to help customers make informed and educated decisions about their insurance policies.
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
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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 For
Average Monthly Quote: Liability Only
Insurify Quality 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.
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.
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
Pros
Lower-than-average state premiums
Offers rideshare insurance
A++ (Superior) A.M. Best rating
Cons
Fewer discounts than some other insurers
Low customer satisfaction ratings
Drive Safe & Save calculations may increase premium costs at renewal
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
Pros
Offers some of the lowest average rates in Utah
A++ (Superior) A.M. Best rating
Offers a variety of products beyond insurance, including banking, investment, and retirement options
Cons
Only available to military members and their families
No rideshare coverage
No 24/7 live customer service
Best car insurance for value in Utah: 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
Pros
Discounts designed for families with children of any age
Multiple coverage options
High J.D. Power ratings
Cons
Coverage available in only 19 states
Base premium rates may be more expensive than other insurers
Defensive driving discounts only available to drivers age 55 or older
Best car insurance for commuters in Utah: 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
Pros
Vast coverage options
Accident forgiveness program
Multiple discounts available
Cons
Higher-than-average state premiums
Lower-than-average J.D. Power rating
No rideshare coverage available
Best car insurance for tech-savvy consumers in Utah: 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
Pros
A+ Better Business Bureau (BBB) rating
Immediate payments for eligible claims
24/7 customer support via app
Cons
No physical locations
Limited history in the industry
Designed for tech-based users, which may not appeal to everyone
Best car insurance for students in Utah: 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
Pros
One of the lowest average premium rates available
High scores from J.D. Power, A.M. Best, and Insurify
Multiple student discounts available
Cons
Available in only 26 states
While a corporate contact is available, must communicate most through independent agents
Students may see no benefit from certain bundling programs not applicable to them, such as owning their own home
Best car insurance for retirees in Utah: 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
Pros
Unique discounts, such as for nondrinkers
Snapshot program rewards good driving
Small Accident Forgiveness program for new customers
Cons
No discounts for anti-theft devices
Specific eligibility criteria for accident forgiveness programs
Below-average J.D. Power claims satisfaction rating
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
Pros
Offers renters insurance discounts when bundled with auto coverage
Local agents offer a more personalized experience
Additional coverages for motorcycles and RVs available
Cons
Must go through an independent, local agent
Poor customer reviews based on claims service
Lowest J.D. Power claims satisfaction rating
Best car insurance for high-risk drivers in Utah: 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
Pros
Works with drivers who have poor or little-to-no credit histories
Can quote policies for high-risk drivers, including those with DUIs
Provides SR-22 filings
Cons
Highest average premiums, based on Insurify data
Limited discounts available
Poor customer service reviews
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:
What are the minimum state-required coverage costs?
Who’s covered under each coverage option?
Which optional coverages does it offer or not offer?
What deductible or out-of-pocket claim expenses are your responsibility?
Are you eligible for any discount incentives?
What traffic infractions or accidents will increase your premiums?
Does the insurer have stable financial status for paying out claims?
Is the insurer available regionally, nationally, or only in Utah?
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]
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.
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.
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]
Coverage Type
Minimum Required Amount
Bodily injury liability (per person)
$25,000
Bodily injury liability (per accident)
$65,000
Property damage liability (per accident)
$15,000
Personal injury protection (PIP)
$3,000
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.
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.
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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.
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.
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.
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
City
Average Monthly Quote
Compared to State Average
Cedar City
$147
-19%
Saint George
$152
-16%
Ogden
$170
-7%
Salt Lake City
$179
-1%
Orem
$183
0%
Sandy
$188
3%
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.
Most expensive Utah cities
City
Average Monthly Quote
Compared to State Average
Tooele
$189
4%
Midvale
$195
7%
Provo
$197
8%
Layton
$197
8%
West Valley City
$221
22%
West Jordan
$225
24%
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.
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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]
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
If you’re shopping for car insurance in the Beehive State, it’s important to know what the minimum coverage requirements are. Here’s some additional information that can help.
Who has the cheapest car insurance in Utah?
USAA, Auto-Owners, and State Farm tend to offer the cheapest car insurance rates in Utah, particularly for liability-only coverage.
It’s important to compare multiple quotes at once to find the cheapest rate and best coverage for your needs. Remember that some insurers may offer lower rates than others based on your unique driving history, age, and vehicle type.
What is the required car insurance coverage in Utah?
All drivers in Utah are required to maintain a minimum of $25,000 per person and $65,000 per accident in bodily injury liability coverage. You’re also required to maintain $15,000 per accident in property damage liability coverage and $3,000 in personal injury protection (PIP).
What are the best car insurance companies in Utah?
USAA, Clearcover, and Auto-Owners are some of the best insurance companies in Utah. USAA and Auto-Owners have an A++ A.M. Best rating. USAA has the lowest average monthly rate, at $47, while Auto-Owners offers the second-lowest monthly rate, at $57.
How does credit score affect car insurance premiums in Utah?
Insurance companies look at a person’s credit history, including their credit score, when assessing their premiums.
Individuals with higher credit scores are often perceived as being more responsible than those with lower credit scores. Insurers may quotelower premiums for drivers with higher credit scores.
Is Utah a no-fault state?
Yes. Utah is a no-fault state, and Utah residents must maintain no-fault insurance (another name for PIP) during the registration period for all vehicles they own and operate.
Methodology
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.
Insurance Institute for Highway Safety. "Teenagers." Accessed April 18, 2023
Centers for Disease Control and Prevention. "Older Adult Drivers." Accessed April 18, 2023
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Chris is Insurify’s Senior Editor for home insurance. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone.
Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators.
Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota.
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Shawn PowersVP of Insurance Sales at Insurify
Shawn Powers is the Vice President of Insurance Sales at Insurify. He’s been in insurance for over 25 years, working as an agent, a sales coach, and a sales director at both big and small insurers. Most recently, he spent 15 years as the Vice President of Sales and Operations at Answer Financial, an Allstate company.
Shawn is a licensed insurance agent in over 40 states. With his expertise, he strives to help customers make informed and educated decisions about their insurance policies.
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
