Cheapest Auto Insurance in Utah (2024)

USAA offers the cheapest liability car insurance in Utah, at $65 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 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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Katie Powers
Edited byKatie Powers
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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.

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Shawn Powers
Reviewed byShawn Powers
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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.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated July 11, 2024

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Cheapest recent rates in Utah

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $95/mo for full coverage in Utah.

*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. 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 July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of car insurance in the state of Utah is $150, which is lower than the national average of $160. 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 $105 per month for liability coverage and $196 for full-coverage insurance, on average.

  • USAA, Safeco, and Sun Coast 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
USAA9.4$96$65Veterans
Auto-Owners8.5$117$79Cheap rates
State Farm9.3$127$87Customizable 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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for the military community: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$96/mo

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
  • Offers a 3% auto pay discount

  • Option for pay-as-you-drive coverage

Cons
  • Low rating on Trustpilot

  • No gap insurance

Read more driver reviews of USAA
Timothy - July 7, 2024
Verified

Decline of USAA

USAA has become just another big business that only cares about the dollar and has forgotten about veterans!

Thomas - July 7, 2024
Verified

Frustrated with the automated agent

The personal customer service is excellent. However, the automated agent is horrible.

Jeffrey - July 7, 2024
Verified

USAA has broadened its membership eligibility, but not for my parents

Shop carefully if you have time. USAA is no longer the best buy, especially since they have started mass audience advertising. It seems they are seeking a wider and more diverse customer base. Many features of the original organization are gone. Contacting them requires great patience. It's easier to reach most other insurance companies. Their phone contact security is overkill, meaning that callers need a multitude of PIN numbers, passwords, and other protective measures.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
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.
$117/mo

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
  • Affordable rates

  • Gap coverage available

Cons
  • Low customer review rating on Trustpilot

  • Low average mobile app rating

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for customizable coverage: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$127/mo

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
  • Significant bundling discount

  • Rideshare insurance available

Cons
  • Can’t purchase a policy online

  • No gap insurance

Read more driver reviews of State Farm
Kharlos - July 7, 2024
Verified

Horrible

The Underwriter Crew is the worst ever! They unnecessarily added someone to my policy after I had already paid, then increased my policy. The person they added had a claim. They found out the claim was not mine and still refused to resolve the situation even after receiving all the information they asked for. They are the worst ever!

Kay - July 7, 2024
Verified

Unreliable

They are not trustworthy. They keep dropping coverage for no apparent reason.

Grace - July 7, 2024
Verified

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

I own a 2015 Toyota with low mileage, but my rates have been steadily increasing. I've been with this company for over 30 years. Now that I'm retired and drive less than 10 miles every two or three days, my rate has increased to $785 for six months starting this August. I've also been informed that the rates will continue to increase every six months. I've always received good service and I'm reluctant to leave this company. Is there any way this company can accommodate retired individuals like me?

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

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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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
USAA$65
Safeco$76
Sun Coast$78
Auto-Owners$79
Midvale Home & Auto$80
State Farm$87
National General$89
Progressive$92
GEICO$93
Dairyland$93
Root$99
Liberty Mutual$101
American Family$110
GAINSCO$115
Allstate$118
Nationwide$130
The General$134
Farmers$153
Bristol West$157
State Auto$202
Direct Auto$300
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 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
USAA$96
Safeco$116
Auto-Owners$117
State Farm$127
Midvale Home & Auto$131
Progressive$136
GEICO$137
Root$137
Sun Coast$142
National General$157
American Family$162
Liberty Mutual$167
Allstate$175
Nationwide$191
Dairyland$211
The General$218
Farmers$226
State Auto$248
GAINSCO$252
Bristol West$292
Direct Auto$581
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 recent rates in Utah

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $95/mo for full coverage in Utah.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $190 per month for car insurance.

Shop for Car Insurance in Utah

Monthly rates start at $78 for drivers with an incident

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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 $147 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Speeding Ticket
USAA$65$83
Safeco$76$99
Sun Coast$78$109
Auto-Owners$79$102
Midvale Home & Auto$80$107
State Farm$87$111
National General$89$114
Progressive$92$119
GEICO$93$120
Dairyland$93$120
Root$99$136
Liberty Mutual$101$142
American Family$110$141
GAINSCO$115$162
Allstate$118$152
Nationwide$130$169
The General$134$174
Farmers$153$196
Bristol West$157$201
State Auto$202$282
Direct Auto$300$387
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 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 $145 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Accident
USAA$65$85
Safeco$76$97
Sun Coast$78$108
Auto-Owners$79$104
Midvale Home & Auto$80$111
State Farm$87$114
National General$89$118
Progressive$92$123
GEICO$93$122
Dairyland$93$122
Root$99$138
Liberty Mutual$101$145
American Family$110$144
GAINSCO$115$145
Allstate$118$155
Nationwide$130$172
The General$134$179
Farmers$153$200
Bristol West$157$204
State Auto$202$291
Direct Auto$300$403
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 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 $166 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith DUI
USAA$65$106
Safeco$76$124
Sun Coast$78$123
Auto-Owners$79$129
Midvale Home & Auto$80$131
State Farm$87$142
National General$89$145
Progressive$92$150
GEICO$93$152
Dairyland$93$152
Root$99$162
Liberty Mutual$101$165
American Family$110$180
GAINSCO$115$188
Allstate$118$193
Nationwide$130$212
The General$134$219
Farmers$153$250
Bristol West$157$256
State Auto$202$330
Direct Auto$300$490
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 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
USAA$49$72
Sun Coast$58$105
Midvale Home & Auto$58$95
Safeco$59$90
Auto-Owners$59$87
Progressive$62$92
State Farm$64$93
National General$66$116
GEICO$70$103
Dairyland$70$159
Liberty Mutual$77$127
Root$77$107
American Family$81$119
GAINSCO$90$198
Allstate$90$133
Nationwide$92$135
The General$103$168
Farmers$113$166
Bristol West$119$221
State Auto$146$179
Direct Auto$220$425
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 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
USAA$107$158
Auto-Owners$134$198
Midvale Home & Auto$136$223
Sun Coast$137$249
GEICO$145$214
State Farm$146$213
Root$149$207
Dairyland$153$348
Safeco$156$238
Progressive$164$243
National General$170$300
Liberty Mutual$184$304
American Family$190$280
GAINSCO$202$442
Allstate$205$304
The General$214$348
Nationwide$220$324
Bristol West$264$491
Farmers$266$393
State Auto$355$435
Direct Auto$540$1,047
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.

Find Car Insurance in Utah

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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 $1,803 per year. Utah drivers pay an average of $1,257 for liability coverage and $2,349 for full-coverage insurance annually. The monthly average cost of car insurance in Utah is $150. Liability coverage costs $105 per month. Full-coverage insurance costs more, with an average rate of $196 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. Safeco — the second-cheapest insurer in Utah — offers a monthly liability rate of $76. The third-cheapest company in Utah is Sun Coast, which has a monthly rate of $78 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 $127 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

Ford F-Series Pickup

Most Popular Car in Utah

#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.

Sources

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

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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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.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
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.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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