Cheapest Car Insurance Quotes in Utah

USAA is the cheapest insurer in Utah, with an average monthly liability rate of $51. Receive real-time quotes for Utah car insurance and buy your policy in one place with Insurify.

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Cheapest recent car insurance quotes in Utah

Recent Utah car insurance prices for Hyundai, Nissan, Pontiac, and more.

*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 26, 2026. 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 May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie JohnsonInsurance and Personal Finance Writer
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John Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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MacKenzie Korris
Reviewed byMacKenzie Korris
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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  • 10+ years editing experience

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MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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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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Cheapest car insurance quotes in Utah

On average, drivers pay roughly $93 per month for minimum-coverage car insurance in Utah. That’s on par with the U.S. average of $98 per month. But Utah’s full-coverage average is significantly lower than the national average — $147 versus $187.

Utah’s lower population density, relatively low rate of fatal accidents, and high number of drivers with paid-off vehicles may all contribute to the state’s lower full-coverage car insurance costs.

Here’s an overview of car insurance rates and the cheapest companies in Utah.

Driver Category
sort ascsort desc
Cheapest Insurance Company in UT
sort ascsort desc
Cheapest Monthly Quote in UT
sort ascsort desc
OverallUSAA$51
State-minimum coverageUSAA$51
Full coverageUSAA$77
Drivers with a clean recordUSAA$51
After a speeding ticketUSAA$65
After an at-fault accidentUSAA$70
After a DUIUSAA$67
Teen/new driversUSAA$96
SeniorsUSAA$41
Bad creditUSAA$62
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Utah: USAA

Liability-only insurance covers the other driver after any injuries or damages resulting from a car accident you caused. As of January 2025, Utah’s minimum liability requirements are 30/65/25.[1] USAA has the cheapest average rate for minimum coverage in Utah, at $51 per month. 

If you’re looking for cheap liability car insurance in Utah, the following table outlines some insurers you can choose from.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$51
Auto-Owners$61
National General$65
State Farm$67
Progressive$69
GEICO$71
Sun Coast$78
The General$78
American Family$85
Allstate$92
Root$93
Clearcover$95
Freedom National$96
Direct Auto$97
Nationwide$100
Safeco$105
Bristol West$106
Dairyland$107
GAINSCO$113
Farmers$119
Liberty Mutual$150
State Auto$155
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Agent Tip: Is liability-only insurance enough in Utah?

Brett Clendenen

Brett Clendenen

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Licensed P&C Insurance Agent and Sales Manager, Insurify

Utah’s minimum required coverage is a bit higher than some other states, but that’s a good thing. Higher liability limits mean more financial protection for drivers. That said, Utah drivers should really consider buying higher PIP limits. Utah’s $3,000 requirement won’t go far in covering your medical bills. 

Cheapest full-coverage car insurance in Utah: USAA

In Utah, drivers pay an average monthly rate of $147 for full-coverage car insurance. Full coverage is usually more expensive than liability-only insurance because full coverage provides broader protection.

If you’re among the 71% of Utah drivers who own their vehicles free and clear, you may still want to consider buying full-coverage car insurance. Utah frequently experiences high temperatures, droughts, and wildfires, which can cause damage to your vehicle that liability insurance won’t cover.

The following table shows the cheapest full-coverage car insurance in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$77
Auto-Owners$94
State Farm$102
GEICO$109
Sun Coast$109
American Family$130
Safeco$130
Root$133
Progressive$136
Allstate$140
Clearcover$142
National General$144
Direct Auto$151
Nationwide$153
The General$157
Liberty Mutual$165
Freedom National$170
Bristol West$181
Farmers$181
GAINSCO$195
Dairyland$203
State Auto$238
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Utah

Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $77/mo for full coverage in Utah.

*Quotes generated for Insurify users from Utah within the last 10 days. Last updated on May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 26, 2026. 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 May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 May 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best cheap car insurance companies in Utah

The best car insurance companies in Utah will depend on your insurance coverage needs, but the following three companies are a good place to start.

USAA: Best for veterans in Utah

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.
$51/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
4.9
Best choice in UtahBased on 3,658 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.83.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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
Members of the military community
Outstanding customer service
Competitive rates
Showing 3 reviews from Utah driversSee all 1,580 USAA reviews
Jeffrey
Verified Review
USAA Savings
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.
Ronald
Verified Review
My present insurance was great but too expensive now.
Premiums have risen dramatically this past year. I have had this insurance for over 40 years but need to look elsewhere.
Lane
Verified Review
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.
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.
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

Nearly 4% of Utah’s population are veterans, and more than 16,250 Utahns are active-duty military, National Guard members, or reservists. USAA is often the best car insurance company for veterans, thanks to benefits like a military on-base discount and affordable monthly rates.

Pros
  • Above-average J.D. Power score

  • Superior AM Best rating

  • Offers two different telematics programs

Cons
  • Available only to veterans and military members

  • Limited in-person support

  • Fewer coverage options compared to other insurers

Progressive: Best for customizable coverage in Utah

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
614
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.
8.7 /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.
$69/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.
$136/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Utah for
Competitive rates
Easy buying process
Telematics program
Showing 20 reviews from Utah driversSee all 8,534 Progressive reviews
Kristine
Verified Review
Progressive is a very unforgiving insurance company. I was with them for 16 years, paid on time every month, and had no claims during that time. Then I had 2 claims in a year, and my insurance went up almost $200 a month. When I called customer service about it, the representative was rude and practically laughed at me. Every 6 months when the policy would renew, it would be a few dollars more, and I dealt with it, always asking myself why it went up and not down. I felt like a good, solid customer and a safe driver. Over the years, I have paid them more than they’ve paid out in claims. Probably shouldn’t have done the math on that.
Progressive is a very unforgiving insurance company. I was with them for 16 years, paid on time every month, and had no claims during that time. Then I had 2 claims in a year, and my insurance went up almost $200 a month. When I called customer service about it, the representative was rude and practically laughed at me. Every 6 months when the policy would renew, it would be a few dollars more, and I dealt with it, always asking myself why it went up and not down. I felt like a good, solid customer and a safe driver. Over the years, I have paid them more than they’ve paid out in claims. Probably shouldn’t have done the math on that.
Roger
Verified Review
Excellent
Do not use Progressive; you pay more.
Allen
Verified Review
Car Insurance Companies/Quotes
Today is my first day with my new carrier, but they offered a much better price than my old insurance company. We will see in 6 months how things are going.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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

Progressive is the best insurer for Utah residents who want a customized car insurance policy. In addition to standard coverage options, the company also offers loan/lease payoff, trip interruption coverage, rideshare coverage, and pet injury coverage. Utah has a high percentage of remote areas, especially in the desert and mountain regions. So you may want to consider roadside assistance coverage in case you run out of gas or get a flat tire while driving.

Pros
  • Easy online quoting process

  • Low monthly rates in Utah

  • Offers a disappearing deductible

Cons
  • Snapshot program can increase your rates

  • Below-average J.D. Power score

  • No new car replacement coverage

State Farm: Best for teen drivers in Utah

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.
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.
$67/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
4.0
Best choice in UtahBased on 18,243 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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
Customer service
Competitive rates
Discounts for safe drivers
Showing 14 reviews from Utah driversSee all 7,578 State Farm reviews
Jeri
Verified Review
Shop around!
Shop around. Most of the insurance search engines recommend insurers that pay the most, not necessarily the best or cheapest.
Brad
Verified Review
Sketchy Insurance Coverage
They increase prices without letting you know. You have to keep a close eye on your policy.
Doris
Verified Review
Too High
Costs too much, no real good discounts.
JD Power
J.D. 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

In Utah, teens represent 9% of all licensed drivers but account for 21% of all the crashes, according to state data. State Farm offers ways for teen drivers to save on car insurance while also incentivizing good driving habits. The Steer Clear program helps young drivers improve their driving skills, and they can earn a discount for demonstrating good driving behaviors.

Pros
  • Above-average J.D. Power score

  • Large network of local agents

  • Many car insurance discounts available for young drivers

Cons
  • Doesn’t offer gap insurance

  • Doesn’t offer accident forgiveness

  • Fewer coverage options than competitors

How car insurance costs in Utah have changed

In 2024, the average car insurance costs in Utah surpassed $2,000 per year, according to Insurify data. Fortunately, Utah’s full-coverage auto insurance costs fell in 2025, dropping 18% year-over-year. This was largely thanks to insurers lowering their rates to draw in new customers. And Insurify projects the state’s average rates will drop an additional 0.6% in 2026.

Average car insurance costs in Utah over time

The following table shows how average car insurance rates in Utah have changed over the last five years.

Average Utah Car Insurance Rates Over the Past Five Years

State Name
2021-04
2021-05
2021-06
2021-07
2021-08
2021-09
2021-10
2021-11
2021-12
2022-01
2022-02
2022-03
2022-04
2022-05
2022-06
2022-07
2022-08
2022-09
2022-10
2022-11
2022-12
2023-01
2023-02
2023-03
2023-04
2023-05
2023-06
2023-07
2023-08
2023-09
2023-10
2023-11
2023-12
2024-01
2024-02
2024-03
2024-04
2024-05
2024-06
2024-07
2024-08
2024-09
2024-10
2024-11
2024-12
2025-01
2025-02
2025-03
2025-04
2025-05
2025-06
2025-07
2025-08
2025-09
2025-10
2025-11
2025-12
2026-01
2026-02
2026-03
2026-04
United States1,5591,5571,5521,5551,5581,5581,5621,5671,5691,5691,5731,5791,5921,6031,6081,6131,6191,6261,6331,6411,6501,6671,6901,7201,7581,8031,8501,8881,9191,9571,9842,0062,0372,0772,1292,1942,2402,3002,3422,3682,3892,3852,3732,3692,3612,3492,3642,3662,3652,3552,3412,3172,2852,2572,2282,2142,2212,2222,2242,2332,238
Utah1,1361,1381,1291,1291,1401,1471,1461,1461,1501,1561,1571,1591,1731,1801,1921,1881,1991,2151,2221,2341,2501,2721,2861,3301,3751,4291,5221,5611,6191,6621,7091,7121,7521,7871,8541,9121,9592,0462,1022,1332,1732,1152,1022,1012,0562,0212,0212,0142,0061,9801,9301,8831,8151,7921,7731,7531,7521,7491,7471,7581,768

Find Cheap Car Insurance in Utah

Minimum coverage starts as low as $51/mo.

Excellent
4.7 out of 5 based on 14,587 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Utah car insurance requirements

Utah requires all drivers to maintain the following minimum coverage:

Coverage Type
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Utah Required Minimum
sort ascsort desc
What It Covers
sort ascsort desc
Bodily injury liability$30,000 per person / $65,000 per accidentOther driver and passenger injuries in an accident you cause
Property damage liability$25,000Damage to vehicles and other property in an accident you cause
Personal injury protection (PIP)$3,000Your own medical expenses after an accident, regardless of who causes the crash

Car insurance rates across Utah cities

Cedar City, a mountain town near some of Utah’s top national parks, has the lowest overall car insurance costs in Utah, according to Insurify data. West Valley, a suburb of Salt Lake City, has some of the highest car insurance rates. 

The following table shows the average car insurance costs across different cities in Utah.

City
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Cedar City$98
Draper$115
Layton$116
Lehi$119
Midvale$130
Ogden$118
Orem$123
Provo$123
Saint George$111
Salt Lake City$128
Tooele$110
West Valley City$149
Disclaimer: Table data is based on real-time Utah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Utah for drivers with a clean record: USAA

Utah drivers with a clean record receive the lowest average insurance rates. A good driving history means you don’t have any tickets, at-fault accidents, or DUIs on your record. The following table shows the cheapest rates for drivers with good credit and a clean record in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$48
Auto-Owners$57
National General$58
State Farm$63
GEICO$68
Progressive$68
The General$73
Sun Coast$77
American Family$81
Allstate$90
Direct Auto$90
Root$91
Nationwide$93
Freedom National$94
Clearcover$95
Dairyland$99
Bristol West$101
GAINSCO$105
Safeco$109
Farmers$111
State Auto$140
Liberty Mutual$153
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Utah for drivers with a speeding ticket: USAA

Insurify data shows that a high number of Utah drivers have received speeding tickets — 5.65%, which is higher than most other states, with the exception of North Dakota and Iowa. One speeding ticket in Utah can add between 35 and 75 points to your record, depending on the severity.[2] Speeding was a factor in 7,465 crashes in Utah during 2025, according to state data.

Utah drivers with speeding tickets pay an average of $112 per month for minimum coverage and $178 for full coverage. The following data shows the cheapest rates for drivers with a speeding ticket in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$65
Auto-Owners$78
National General$80
Progressive$83
State Farm$84
GEICO$91
Sun Coast$94
The General$103
American Family$108
Freedom National$116
Allstate$118
Clearcover$119
Direct Auto$120
Root$122
Nationwide$128
Dairyland$131
Bristol West$131
GAINSCO$133
Safeco$136
Farmers$150
Liberty Mutual$188
State Auto$203
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Utah with an at-fault accident: USAA

In Utah, 5.40% of drivers have at least one at-fault accident on their record, according to Insurify data, which is also higher than in other states. Utah’s most recent data shows that 40,122 crashes occurred in the state last year. Of those, 258 were fatal and 19,594 resulted in injuries.

Drivers with accidents on their records pay an average of $127 per month for liability coverage. The table below shows the cheapest rates for drivers with an at-fault accident in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$70
Auto-Owners$82
National General$88
State Farm$91
Progressive$95
GEICO$95
Sun Coast$107
The General$109
American Family$116
Allstate$126
Root$128
Freedom National$132
Direct Auto$135
Nationwide$137
Clearcover$138
Bristol West$143
Dairyland$144
GAINSCO$148
Safeco$149
Farmers$162
Liberty Mutual$203
State Auto$216
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Utah drivers with a DUI: USAA

In Utah, 0.75% of drivers have a DUI on their record, Insurify data shows. Driving under the influence is a serious offense, and in 2023, 23% of all fatal crashes involved an impaired driver.

Utah has strict drunk driving laws and the lowest blood-alcohol limit in the country, at 0.05%.[3] One offense can result in at least two days in jail, 48 hours of community service, $700 in fines, and a 90-day driver’s license suspension.

Receiving a DUI will also cause your car insurance rates to go up. The average liability-only cost for Utahns with DUIs is $112 per month, compared to $93 for drivers with clean records.

Here are the cheapest rates for drivers with a DUI in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$67
Auto-Owners$81
Progressive$83
National General$86
State Farm$89
GEICO$93
Sun Coast$94
The General$99
American Family$107
Freedom National$116
Allstate$122
Root$124
Clearcover$126
Direct Auto$128
Nationwide$132
Bristol West$140
Dairyland$142
Safeco$148
GAINSCO$149
Farmers$157
State Auto$196
Liberty Mutual$198
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Utah: USAA

If your license is suspended in Utah, you’ll likely need to pay a $100 fee and obtain SR-22 insurance to reinstate it.[4] 

Drivers in Utah with an SR-22 requirement pay an average of $113 per month for a liability policy.

The following table shows the cheapest rates for drivers with an SR-22 in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$62
Auto-Owners$74
National General$79
State Farm$81
Progressive$84
GEICO$86
Sun Coast$95
The General$95
American Family$103
Allstate$112
Root$113
Clearcover$115
Freedom National$117
Direct Auto$118
Nationwide$122
Safeco$128
Bristol West$129
Dairyland$130
GAINSCO$137
Farmers$145
Liberty Mutual$182
State Auto$188
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance for teen drivers in Utah: USAA

Utah puts certain restrictions on newly licensed teen drivers, like limiting driving between midnight and 5 a.m. unless certain exceptions apply. In 2025, teen drivers were behind the wheel in roughly 21% of all accidents in Utah, according to the Utah Department of Public Safety.

The average cost for liability coverage for Utah teens on their own policy is $177 per month. The following data shows the cheapest rates for teen drivers in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$96
Auto-Owners$127
Progressive$131
GEICO$131
National General$133
State Farm$133
The General$143
Sun Coast$148
Clearcover$160
American Family$165
Root$165
Freedom National$182
Allstate$186
Dairyland$191
Direct Auto$192
Bristol West$193
Nationwide$199
GAINSCO$206
Safeco$218
Farmers$243
Liberty Mutual$269
State Auto$383
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Utah for senior drivers: USAA

Utah’s senior population is growing and increased 53% between 2010 and 2020. While seniors generally pay the lowest rates of any age group, car insurance costs start to climb around age 70 as accident risks increase. 

In Utah, 15% of 2025 accidents involved senior drivers, according to state Department of Safety data. Let’s look at the cheapest average rates for senior drivers older than 60 in Utah.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$41
Auto-Owners$48
National General$51
State Farm$52
GEICO$56
Progressive$59
The General$66
Sun Coast$67
American Family$68
Allstate$74
Nationwide$76
Root$77
Direct Auto$79
Freedom National$82
Clearcover$84
Bristol West$88
Dairyland$91
Safeco$91
Farmers$94
GAINSCO$96
State Auto$117
Liberty Mutual$124
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Utah car insurance quotes with bad credit: USAA

Utah allows insurance companies to consider your credit when evaluating you for car insurance, and a poor credit score can lead to higher rates. But insurers use different credit-based scoring models, so you can save by shopping around and comparing car insurance quotes in Utah.

Utah drivers with poor credit pay average rates of $116 per month for liability coverage and $183 for full coverage. Here’s a look at the cheapest rates for drivers with bad credit.

The below rates in Utah are estimated rates current as of: Sunday, May 10 at 5:00 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 Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$62
National General$80
Progressive$86
GEICO$87
Auto-Owners$91
The General$96
State Farm$96
Sun Coast$97
American Family$102
Allstate$113
Root$114
Clearcover$117
Freedom National$119
Direct Auto$119
Nationwide$123
Safeco$129
Bristol West$130
Dairyland$132
GAINSCO$139
Farmers$146
Liberty Mutual$179
State Auto$192
Disclaimer: Table data sourced from real-time Utah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Utah may vary based on the policy buyer's unique driver profile.

Utah car insurance FAQs

Utah has nearly 2.6 million licensed drivers, and every one of them must have car insurance. If you’re comparing car insurance quotes in Utah, the following information can help you find the most affordable insurer for your needs.

  • What is the average cost of car insurance in Utah?

    The average monthly cost of car insurance in Utah is $93 for liability-only policies and $147 for full coverage.

  • What car insurance is required in Utah?

    Utah state law requires at least $30,000 per person in bodily injury liability coverage and $65,000 per accident. You’ll also need at least $25,000 in property damage liability coverage and $3,000 in personal injury protection (PIP).

  • Which company has the cheapest car insurance in Utah?

    USAA is the cheapest insurer in Utah, with an average liability-only rate of $51 per month. Auto-Owners and National General are the second- and third-cheapest insurers in Utah.

  • How much does car insurance cost in Salt Lake City?

    On average, Salt Lake City residents pay $98 per month for liability coverage and $157 per month for full coverage, according to Insurify data.

  • Can your credit score affect your car insurance in Utah?

    Your credit score itself doesn’t affect your rates, but your credit history — which shapes your credit score — can. Utah allows insurance companies to consider your credit when setting rates. Insurers use your credit information to generate a credit-based insurance score that estimates your likelihood of filing a claim.

Sources

  1. Utah State Legislature. "Utah Insurance Code."
  2. Utah State Courts. "Traffic Offenses."
  3. Utah Department of Public Safety, Highway Safety Office. "Summary of Utah's DUI Laws."
  4. Utah Motor Vehicle Division. "Vehicle Insurance Requirements."

Methodology

Insurify data scientists analyzed more than 190 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
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.

Jamie Johnson
Written byJamie JohnsonInsurance and Personal Finance Writer
Jamie Johnson
Jamie JohnsonInsurance and Personal Finance Writer
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

John Leach
Edited byJohn LeachLicensed P&C Agent, Chief Copy Editor
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John LeachLicensed P&C Agent, Chief Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 20461358

John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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MacKenzie Korris
Reviewed byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • 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.

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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