Best Car Insurance in Utah (2026)
State Farm, Mile Auto, and American Family are a few of the best insurers in Utah.
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4.7 / 518K reviews
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
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.
)
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ 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.
)
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Best car insurance companies in Utah
To find the best car insurance in Utah, Insurify analyzed 120+ auto insurance companies based on factors like customer satisfaction, discounts, and rates. Below are some of the top-rated companies in the state, including American Family, State Farm, and USAA.
State Farm: Best overall
| 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. | $66/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. | $100/mo |
4.2
Best choice in UtahBased on 21,561 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Utah for
Showing 19 reviews from Utah driversSee all 8,278 State Farm reviews
Verified Review
Reviewed in Utah on August 28, 2026
I didn’t mind it, but every year it went up $20 to $30 more. It’s now $85, and they want to increase it to $105. I’m on SSA and don’t make enough to pay everything if this goes up. Plus, I’m lucky to drive 1,000 miles in three months.
Verified Review
Reviewed in Utah on August 15, 2026
Think twice—it’s very expensive for low-income people.
Verified Review
Reviewed in Utah on August 11, 2026
I’ve been treated very well by my current car insurance company.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is the second-best insurer for overall customer satisfaction in the Southwest region, per the JD Power U.S. Auto Insurance Study. It has some of the lowest car insurance premiums in Utah, and it offers several discounts for additional savings, including the Drive Safe & Save telematics program.
Pros
High customer satisfaction rating
Rates are lower than statewide average
Fewer complaints than expected
Cons
Defensive driver discount available only to those 55+
Limited selection of optional coverages
Doesn’t offer gap insurance
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. | 9.1 /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. | $50/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. | $75/mo |
4.9
Best choice in UtahBased on 4,370 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Utah for
Showing recent national reviewsSee all 1,736 USAA reviews
Verified Review
Reviewed in South Carolina on November 2, 2026
I love USAA, but I think I’m paying way too much for the privilege of using them.
Verified Review
Reviewed in California on November 1, 2026
Insurance today is very expensive. I think overall it has become a monopoly.
Verified Review
Reviewed in Oregon on November 1, 2026
I’ve never had any problems with USAA. They’ve been quick to settle claims and quick to offer assistance after an accident that wasn’t my fault, including following up with the other driver’s insurance. They’ve also been fast to make policy changes, but I still think they’re a little overpriced. I do get a veterans discount.
They’re always very courteous on the phone and excellent about getting information to me and connecting me with the right people. Today, I’m going to talk to them about combining my auto policy with my home insurance policy.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA can be a great choice for Utah drivers stationed at Hill Air Force Base or working at the Utah Test and Training Range. USAA insures only military personnel, veterans, and their immediate family members, but it ranks highly in customer satisfaction and has some of the cheapest rates in the state.
Pros
Cheap premiums in Utah
Excellent customer satisfaction rating
Two telematics programs
Cons
Available only to eligible military personnel and family members
No in-person agents
Smaller bundling discount than some competitors
The General: Best for high-risk drivers
| User Reviews | 3.6 |
|---|---|
| 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. | 7.1 /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. | $76/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 |
3.6
A solid option in UtahBased on 1,506 verified driver reviews and ratings
The General's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.2 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.3 | 2.9 |
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
Based on analysis of verified reviews collected by Insurify
Best in Utah for
Showing 4 reviews from Utah driversSee all 609 The General reviews
Verified Review
Reviewed in Utah on September 23, 2026
Great.
Verified Review
Reviewed in Utah on May 18, 2026
I like the General. They are reliable and very easy to get a hold of if you have any questions, problems, or claims. I would and have recommended them to people.
Verified Purchase
Reviewed in Utah on March 9, 2026
Don't let your coverage lapse; they are pricey to reinstate.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
The General specializes in non-standard auto insurance and is one of the best insurers for high-risk drivers in Utah with less-than-perfect credit or a poor driving record. The General’s average rates for liability-only insurance are below the Utah average, and it offers flexible monthly payment plans.
Pros
Affordable rates for high-risk drivers in Utah
Option for monthly premium payments
Highly rated mobile app
Cons
More complaints than expected
Only offers basic coverages
No 24/7 customer service from a live agent
Mile Auto: Best for low-mileage drivers
| 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. | 8.8 /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. | $90/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. | $143/mo |
4.5
Best choice in UtahBased on 209 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.2 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Utah for
Showing recent national reviewsSee all 73 Mile Auto reviews
Verified Purchase
Reviewed in Ohio on September 2, 2026
Cheap.
Verified Purchase
Reviewed in Georgia on August 16, 2026
I wasn’t made aware of the pay-per-mile feature until after I received my bill. I suggest making sure clients know in detail what their responsibility is. It helps to know, especially in a world where budgeting is crucial and can make or break financial plans. Thanks.
Verified Review
Reviewed in Florida on July 25, 2026
I thought it would be cheaper. I have to provide a photo of my mileage every month. I don’t drive much, and they aren’t any cheaper.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Salt Lake City residents who take TRAX, University of Utah students, or people who work from home might benefit from an auto policy through Mile Auto. For Utahns who drive less than 10,000 miles per year, Mile Auto’s pay-per-mile car insurance policies are often a more affordable option than traditional car insurance coverage.
Pros
Potentially cheaper rates for people who drive infrequently
Bases rates on monthly odometer reading, not an in-car device
Online calculator shows how much you could save based on your mileage
Cons
Limited coverage options
No in-person agents or branch locations
Partner insurers underwrite policies
American Family: Best for discounts
| User Reviews | 4.6 |
|---|---|
| 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. | $127/mo |
4.6
Best choice in UtahBased on 633 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.7 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.7 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.5 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Utah for
Showing recent national reviewsSee all 286 American Family reviews
Verified Review
Reviewed in Nevada on October 29, 2026
Check American Family first—excellent service and affordability.
Verified Review
Reviewed in Missouri on October 13, 2026
No problems with any of the three policies.
Verified Review
Reviewed in Nevada on September 26, 2026
Great service so far. No issues. Fair pricing.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
American Family offers an impressive selection of car insurance discounts, which can help Utah drivers get a cheaper premium. The company offers savings for good students, young volunteers, paying in full, completing a defensive driving course, driving fewer than 8,000 miles per year, being accident-free, choosing a full-coverage policy, and others.
Pros
Advertises 20 car insurance discounts
Very few complaints from National Association of Insurance Commissioners (NAIC)
Low rates in Utah
Cons
Slightly below-average customer satisfaction rating
Lower financial strength rating than some other insurers
Doesn’t offer 24/7 phone support from live agents
How we chose the best car insurance companies in Utah
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.
Average cost of car insurance in Utah
The average cost of car insurance in Utah is $92 per month for liability-only coverage and $146 for full coverage. Utah drivers pay less for car insurance than the national average.
Utah has lower car insurance rates than the U.S. average because it has one of the lowest rates of uninsured motorists in the country. Only 6.2% of Utah drivers don’t carry auto insurance, according to Insurance Research Council data.
Car insurance prices in Utah are up just 1.1% in the first half of 2026, according to Insurify’s latest auto insurance report. By the end of the year, Insurify data projects rates to increase by a total of 1.4%, equaling an average premium increase of $25.
Find Cheap Car Insurance in Utah
Liability policies average $92/mo.
Excellent
4.7 out of 5 based on 18,162 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Utah
Here are some tips for getting the best car insurance in Utah:
Consider buying more than the minimum coverage
Utah requires drivers to carry at least $30,000 per person and $65,000 per accident in bodily injury liability, as well as $25,000 for property damage liability. The state also requires $3,000 for personal injury protection (PIP).[1] But many drivers can benefit from higher limits in case of an at-fault accident.
Look for discounts
Many Utah car insurance companies offer discounts that can reduce your annual premium. You can typically find savings for bundling policies, having a claims-free history, installing vehicle safety features, and being a good student.
Understand Utah’s no-fault laws
Utah is a no-fault state, which means your insurer covers your injuries and lost wages after an accident, regardless of which driver was responsible.[2]
Choose a full-coverage policy
A full-coverage policy with comprehensive coverage and collision coverage is beneficial in Utah because it covers damage to your vehicle if you get into a car accident on a snowy mountain road or spin out and hit a stationary object.
Compare quotes
Utah car insurance companies charge different rates for the same coverage. Comparing quotes from multiple insurers can help you find cheap car insurance in the Beehive State.
Best car insurance in Utah FAQs
If you’re shopping around for the best car insurance in Utah, here’s some additional information that could be helpful as you compare policies and quotes.
What are some of the best car insurance companies in Utah?
Some of the best car insurance companies in Utah are State Farm, USAA, and American Family. But the best insurer will depend on your individual situation and coverage needs.
What are the minimum car insurance requirements in Utah?
Utah’s state minimums are $30,000 for bodily injury liability coverage per person, $65,000 for bodily injury liability coverage per accident, $25,000 for property damage liability coverage per accident, and $3,000 for PIP.
What is the best car insurance company in Utah for teen drivers?
No single Utah car insurance company is the best for all teen drivers. Because young drivers often pay higher rates than more experienced drivers, it’s especially important to shop around and compare quotes from different insurance companies.[3]
Is Utah a no-fault state?
Yes. Utah is a no-fault state for car insurance. Utah requires drivers to carry PIP, which covers your own medical expenses and lost wages after an accident, no matter who caused the collision.
Sources
- Utah Insurance Department. "Filing an Auto Claim."
- NOLO. "How Much Car Insurance Do I Need in Utah?."
- Utah Insurance Department. "Protect Yourself: Insuring Your Teen Driver."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
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.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ 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.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.