Best Car Insurance in Utah (2025)
Auto-Owners, State Farm, and USAA are among the best car insurance companies in Utah.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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Table of contents
Each driver in Utah has unique car insurance needs and priorities, so finding the right insurance company can be challenging. To help you find the best car insurance in Utah, Insurify analyzed 50 car insurance companies based on features like cost, discounts, coverage options, customer satisfaction, and more.
Here’s what you should know about the best car insurance companies in Utah.
Best car insurance companies in Utah
The best car insurance company in Utah is different for every driver. These five insurance companies are some of the best options for people in the Beehive State, based on Insurify’s evaluation of the largest companies.
Auto-Owners: Best overall
| User Reviews | 4.0 |
|---|---|
| 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. | $77/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. | $114/mo |
4.0
Best choiceBased on 155 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (96)
Stephen
February 19, 2025
Verified Review
Trying to Lower My Insurance Cost
I find the representatives to be fair and friendly. They answer all my questions. I'm just trying to lower my bills and get a better price on insurance.
Mary
February 17, 2025
Verified Review
Online Comparisons Name Progressive as Having the Lowest Rates
I initially thought my rates were high due to increases in premiums this year. However, after requesting online comparisons, I found that my current insurance company, Progressive, offered the lowest rates.
Tammy
January 13, 2025
Verified Review
Affordable Insurance in Michigan
The insurance is affordable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is the best car insurance company overall in Utah. It offers an excellent selection of car insurance coverage options and more than a dozen discounts for potential savings.
Auto-Owners has an above-average overall customer satisfaction rating from J.D. Power in the Southwest region and an AM Best financial strength rating of A++ (Superior). It also has fewer complaints than expected from the National Association of Insurance Commissioners (NAIC).
Pros
Highly rated for overall customer satisfaction
Many available discounts and endorsements
AM Best financial strength rating of A++ (Superior)
Cons
Must contact an agent for a quote
Rated below average in claims satisfaction
Mobile app doesn’t have great reviews
State Farm: Best for young drivers
| User Reviews | 4.2 |
|---|---|
| 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. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.2
Best choiceBased on 9,550 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,258)
Cheryl
February 19, 2025
Verified Review
Average
Way too expensive.
Lisa
February 18, 2025
Verified Review
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Verified Review
Mikla & Sam's Quote
I really liked them. The customer service was great, and the price started off well, but it has now increased exponentially.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm’s Steer Clear program is a great option for young drivers looking for the most affordable car insurance policy. Drivers younger than 25 with no at-fault accidents or tickets within the past three years can enroll in the program, which tracks driving habits and rewards safe drivers with a lower insurance rate. State Farm also offers other discounts for teen drivers, including a good student discount and a student away at school discount.
Pros
Offers a telematics program for teen drivers
Great J.D. Power customer satisfaction score
High J.D. Power claims satisfaction rating
Cons
Fewer endorsements than some competitors
Many more complaints than expected with the NAIC
Traditional gap insurance not available
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
4.9
Best choiceBased on 1,692 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (972)
Charles
February 19, 2025
Verified Review
Best Insurance Company: USAA
Wonderful.
Wendy
February 18, 2025
Verified Review
Expensive
I love the fact that they cater to the military, but they are expensive.
Joseph
February 17, 2025
Verified Review
Your Best Bet
This is the best insurance at the best cost.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA only offers car insurance to military families, including active-duty soldiers, veterans, and spouses and children of military servicemembers.
USAA has some of the highest customer satisfaction and claims satisfaction ratings from J.D. Power. In addition, USAA offers a great selection of discounts with generous savings, like a 60% discount for storing a vehicle while on deployment.
Pros
High J.D. Power customer satisfaction and claim satisfaction ratings
AM Best financial strength rating of A++ (Superior)
Generous discounts
Cons
Only available to qualifying military personnel and family members
Limited endorsements
More complaints than expected with the NAIC
American Family: Best for discounts
| User Reviews | 4.5 |
|---|---|
| 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. | 9.1 /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. | $107/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. | $159/mo |
4.5
Best choiceBased on 405 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (215)
Michael
January 17, 2025
Verified Review
Feeling Misled
Everything started off great, but once I signed up and provided all the necessary information, communication dropped off. Even when I reached out to my agent, I would never receive a personal call back. Instead, I would hear from his secretary, if she called at all. I signed up for a program that evaluated my driving and scored it, but the app didn't seem to work properly. It would inaccurately report hard braking and incorrect travel locations. Even when I drove very safely and slowly, it didn't seem to record those instances. Instead, it seemed to only record instances where I had to drive a bit faster or slow down quickly due to unexpected traffic conditions. I didn't have a great experience with this program. To add insult to injury, they informed me that my policy was going to increase every month, despite never having an accident or receiving any tickets.
Candace
January 13, 2025
Verified Review
Ok
Too expensive!
Chris
January 6, 2025
Verified Review
Excellent
My agent is terrific.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.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).
AWhy we picked this company
American Family is the best car insurance company in Utah for discounts. It offers 17 discounts, with savings for customer loyalty, safe vehicles, low mileage, good students, young volunteers, taking a defensive driving course, paying in full, and others.
American Family also offers a 23% discount for policy bundling, which is one of the biggest discounts we found. The company has a good customer satisfaction rating from J.D. Power, but it’s rated below average for claims satisfaction.
Pros
Many available car insurance discounts
Great bundling discount
Good J.D. Power customer satisfaction rating
Cons
Below-average J.D. Power rating for claims satisfaction
Few add-on coverage options
Slightly more complaints than expected with the NAIC
Root: Best for low rates
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /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. | $74/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. | $110/mo |
3.1
A solid optionBased on 701 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (391)
Chauna
January 13, 2025
Verified Purchase
Root
They offer very affordable rates.
Amy
January 6, 2025
Verified Review
It's Good Insurance
It's good insurance.
Frank
December 30, 2024
Verified Review
Poor
They raise rates arbitrarily without any reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36A.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).
NRWhy we picked this company
Root has the lowest car insurance rates in Utah among the companies reviewed. Its average rate for liability-only coverage is lower than the statewide average rate.
Root uses information about your driving, like speed, brake force, and trip length, to calculate a rate based on your driving skills and mileage. The best drivers save up to $900 per year on their car insurance, according to the company’s website.
Pros
Affordable premiums
Can help low-mileage drivers save money
Easy policy management online or through the app
Cons
Many more complaints than expected with the NAIC
Few ways to customize your coverage
No in-person agents
Our editorial team analyzed regional and national auto insurance companies that sell policies in Utah to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Utah
The best car insurance in Utah for you depends on your coverage needs, preferences, budget, and other personal factors. Here are some tips that can help you find the best insurer.
Consider your coverage needs
Think about the types of coverage that might be beneficial for your situation. For instance, if you’re insuring a new vehicle, you may want to add gap insurance or new-car replacement coverage. Look for insurers that offer these endorsements and others that can offer valuable protection.
Check financial stability ratings
It’s important to select a financially stable auto insurance company that can pay car insurance claims. When comparing Utah car insurance companies, check each insurer’s AM Best rating to gauge its financial stability.
Look for discount opportunities
Most car insurance companies in Utah offer discounts, but the specific discounts and potential savings vary. To maximize your savings, look for insurance companies that offer multiple discounts you can qualify for.
Read customer reviews
Before you choose an insurance company, it’s helpful to read reviews from current and past policyholders. Check out online reviews to learn more about the company’s customer service, claims-handling practices, prices, and other important factors.
Compare quotes
The cost of car insurance is different for every Utah driver. To find cheap car insurance, compare personalized quotes from several companies.
Average cost of car insurance in Utah
The average cost of car insurance in Utah is $109 per month for liability-only insurance and $179 per month for full coverage. Utah’s average premium is slightly lower than the U.S. national monthly average rates of $105 for liability coverage and $199 for full coverage.
Car insurance rates vary for each driver. Some of the biggest factors that can affect rates include ZIP code, age, driving history, credit history, vehicle type, coverage limits, and deductibles.[1]
Additionally, many drivers in Utah may face higher rates in 2025 because of recent legislation changes that increased the state’s minimum-coverage limits to $30,000 in bodily injury liability per person, $65,000 in bodily injury liability per accident, and $25,000 in property damage liability.[2] This could lead to more expensive premiums for drivers with liability-only coverage.
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Best car insurance in Utah FAQs
Many reputable auto insurance companies serve Utah drivers. The following information can help you find the best car insurance option for you in Utah.
How much is car insurance in Utah?
The average cost of car insurance in Utah is $109 per month for liability coverage and $179 for full-coverage insurance. On average, Utah drivers pay $144 per month for auto insurance.
What are the best car insurance companies in Utah?
Some of the best car insurance companies in Utah are Auto-Owners, USAA, State Farm, and American Family. But keep in mind that the right insurer will depend on your specific coverage needs, priorities, and budget.
What is the required auto insurance coverage amount in Utah?
Utah drivers must carry at least 30/65/25 in personal liability insurance. Additionally, drivers in the state must have personal injury protection (PIP) to satisfy the state’s no-fault laws.[3] Many drivers can benefit from optional coverages, like uninsured motorist insurance, collision insurance, and comprehensive insurance.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Utah State Legislature. "H.B. 113 Motor Vehicle Insurance Revisions."
- Utah State Legislature. "31A-22-307. Personal injury protection coverages and benefits.."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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