Best Car Insurance in Utah (2026)
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 RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byElizabeth Rivelli
Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
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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 | 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. | 8.2 /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. | $61/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 |
3.7
A solid optionBased on 331 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.1 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.1 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 West 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 independent agent for a quote
Rated below average in claims satisfaction
Mobile app has mixed customer reviews
State Farm: Best for young drivers
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $102/mo |
4.1
Best choiceBased on 17,502 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 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 For
Showing 13 reviews from Utah driversSee all 7,455 State Farm reviews
Verified Review
Reviewed in Utah on April 20, 2026
They increase prices without letting you know. You have to keep a close eye on your policy.
Verified Review
Reviewed in Utah on April 15, 2026
Costs too much, no real good discounts.
Verified Review
Reviewed in Utah on April 10, 2026
I'd say shop around for senior discounts. The service is excellent, but their prices are prohibitive. I think I'm going to look around for a price I can afford. Everything is so expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 usage-based telematics 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 drivers under age 25
High J.D. Power claim and customer satisfaction scores
Offers numerous bundling opportunities with other State Farm products
Cons
Fewer endorsements than some competitors
Many more complaints than expected with the NAIC
Gap insurance restricted to customers who originate an auto loan through State Farm Bank
USAA: Best for military families
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $77/mo |
4.1
Best choiceBased on 3,494 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.9 | 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 For
Showing 4 reviews from Utah driversSee all 1,547 USAA reviews
Verified Review
Reviewed in Utah on February 27, 2026
Excellent, you need someone in the family to be military or a veteran. I just got a check from the subscriber account USAA uses as a safety valve. This check basically paid for 6 months of coverage.
Verified Review
Reviewed in Utah on November 18, 2025
Premiums have risen dramatically this past year. I have had this insurance for over 40 years but need to look elsewhere.
Verified Review
Reviewed in Utah on September 21, 2025
My experience is good other than the way USAA DriveSafe works! Hard braking is unfairly recorded; there are times when other drivers cut a person off and cause hard braking.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 members of the military community, including active-duty, veterans and immediate family members.
USAA has some of the highest customer satisfaction and claims satisfaction ratings across the country 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 members of the military community
Limited endorsements
More complaints than expected with the NAIC
American Family: Best for discounts
| 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. | 9.3 /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. | $130/mo |
3.7
A solid optionBased on 619 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.6 | 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 For
Showing recent national reviewsSee all 267 American Family reviews
Verified Review
Reviewed in Ohio on April 4, 2026
Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.
Verified Review
Reviewed in Oklahoma on April 4, 2026
They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.
Verified Review
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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
Large 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 | 3.3 |
|---|---|
| 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. | 7.9 /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. | $91/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. | $130/mo |
3.3
A solid optionBased on 1,291 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.3 | 3.2 |
| Customer service | 2.9 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.3 | 3.1 |
| Value | 2.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 525 Root reviews
Verified Review
Reviewed in Texas on April 27, 2026
Root increased my rates and then locked the app during the billing cycle, which made it impossible to update my payment information or manage my policy. After locking me out, they claimed I had a lapse in coverage and used that to justify charging me a higher premium. This feels like a tactic, and I’ve seen many other customers report the same pattern. Between the price hikes, app restrictions, and lack of accountability, I cannot recommend Root Insurance. I wouldn’t recommend them to anyone; in fact, I’m surprised they are still in business.
Verified Review
Reviewed in Florida on April 22, 2026
I paid $115 for 2 months, then without any claims or anything, the amount went up to $236. Seriously, nothing negative on my end.
Verified Review
Reviewed in Texas on April 20, 2026
I've never spoken to anyone, and having comprehensive and collision coverage costs me $350 a month, which to me is expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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 can 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
Completely virtual — no local 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 $93 per month for liability-only insurance and $147 per month for full coverage. Utah’s average premium is slightly lower than the U.S. national monthly average rates of $98 for liability coverage and $186 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 legislative 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, but it also provides a greater level of financial protection for drivers who cause an accident.
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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 $93 per month for liability coverage and $147 for full-coverage insurance. On average, Utah drivers pay $120 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 RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in