Car Insurance in Utah
- USAA offers the cheapest full coverage auto insurance in UT
- Compare the cheapest car insurance quotes in UT from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in Utah
Utah drivers pay an average car insurance rate of $1,106 for a six-month policy — roughly 1% in premium difference versus than the U.S. average.[1] However, your car insurance rates are determined by more than just where you live. Auto insurance premiums are impacted by factors including a driver's age and driving history. Data experts from The Zebra analyzed average Utah auto insurance rates for these rating factors to help you find a policy that is right for you.
Based on our data, 37% of Utah drivers believe they’re overpaying for car insurance, but many are willing to stretch their budget for better customer service and more comprehensive coverage.[2] If that sounds like you, consider beginning your search with options like GEICO or USAA, known for their solid service and wide range of coverage​​.
Have a look at our in-depth study of car insurance costs in Utah, or submit your ZIP code above to receive customized auto insurance quotes from top companies.
- GEICO offered the cheapest full insurance coverage in Utah at $117/mo.*Â
- See the other cheapest full coverage insurance companies and best discounts in Utah ↓
- GEICO offered the cheapest liability insurance in Utah at $47/mo.*
- Read about the rest of the top and best companies in Utah ↓
- As a highly-rated regional carrier, AAA scored an 835 on J.D. Power's 2024 auto study.[3]Â State Farm is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Utah ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Utah to name Auto-Owners Insurance as the best overall company for Utah drivers.Â
- Read more about why we've ranked Auto-Owners as a great fit for many Utah drivers ↓
*Note:Â USAAÂ offers the cheapest rates in Utah, but it's excluded from our list due to their strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap full coverage insurance in Utah
In 2024, the average cost for a 6-month full coverage policy in Utah is approximately $1,106. It's a popular option among drivers, with 57% of The Zebra’s Utah customers requesting quotes for full coverage insurance​​.[2]
Although it costs more than liability insurance, Utah drivers searching for the most affordable full coverage should begin their search with providers like Utah and GEICO​​.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $607 | $101 |
| GEICO | $705 | $117 |
| Nationwide | $777 | $130 |
| American Family | $802 | $134 |
| Progressive | $846 | $141 |
| Allstate | $1,397 | $233 |
| State Farm | $2,107 | $351 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra tip: Unlock these car insurance discounts
- Payment perks: Save by paying upfront, opting for electronic billing, or paying in advance.
- Driver discounts: Save with multi-policy bundling, multiple cars, being a safe driver, or even for being a good student or a homeowner. Military personnel? Your service could earn you a discount too.
- Vehicle savings: Got a new ride? Extra savings may come your way, especially if it’s decked out with safety features or anti-theft systems. Telematics might also help you cut down on premiums.
What are the best car insurance companies in Utah?
Instead of focusing solely on the cheapest companies, we look at the full picture — offering a balance between affordable pricing, comprehensive coverage, and a proven reputation. We prioritize providers known for exceptional customer service, ensuring you're not just getting a good rate, but reliable support when it matters most. Take Auto-Owners Insurance, for instance. It delivers solid coverage and top-tier customer service at competitive prices, making it one of our standout picks.
While State Farm came in with a higher overall rating according to J.D. Power, they are considerably more expensive than Auto-Owners, who scored well in The Zebra's Customer Satisfaction Survey. [3][4] Because of this, we can wholeheartedly recommend customers looking for the best mix of value and satisfaction begin their search with Auto-Owners.
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Great rates for most drivers
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Robust coverage options
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High rates of customer satisfaction overall
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Claim-processing times have been reported as slow
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Fewer online tools
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Somewhat limited availability
Best car insurance in Utah — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3,000 drivers across Utah and the U.S.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $607 | $101 |
| Auto-Owners | $779 | $130 |
| American Family | $802 | $134 |
| State Farm | $2,107 | $351 |
Source: The Zebra
How did we pick what company has the "Best Value" in Utah?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Utah
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare Utah car insurance quotes and companies with The Zebra.
Cheap liability insurance in Utah
Car insurance is required in nearly all states, including Utah. If you choose the minimum amount of coverage required in Utah, expect to pay an average of $430 every six months.[1] It's highly recommended that all drivers carry more than the minimum required coverage.
Our data shows that 43% of Utah drivers opt for liability-only coverage.[2] In Utah, the state mandates minimum liability limits of 25/65/15, which includes $25,000 per person and $65,000 per accident for bodily injury, along with $15,000 for property damage. For more information on Utah's car insurance requirements in the state of Utah with our helpful guide.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $217 | $36 |
| GEICO | $283 | $47 |
| Progressive | $344 | $57 |
| Nationwide | $350 | $58 |
| American Family | $422 | $70 |
| Allstate | $574 | $96 |
| State Farm | $894 | $149 |
Source: The Zebra
If you opt for better car insurance coverage, you can purchase a policy with comprehensive and collision coverage, protecting against damages caused by vehicular collisions, theft, vandalism, or weather incidents. It's worth noting that better auto insurance comes at a cost: in Utah, a comprehensive insurance policy with a $1,000 deductible costs $1,257, 114% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay around $1,459.
Utah’s minimum liability insurance requirements provide basic protection, but they may not always be enough depending on your situation. The state requires at least $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage. While this can cover some expenses if you're at fault in an accident, medical bills and vehicle repairs can easily surpass these limits, leaving you responsible for any costs beyond what your insurance covers. If you have significant assets like a home or savings, increasing your liability limits or opting for full coverage could offer better financial protection. Ultimately, it depends on how much risk you're comfortable with.
Ross Martin - Insurance writer with over five years experience
Updating data...
| Company | Liability Coverage | Full Coverage | $ Difference |
|---|---|---|---|
| USAA | $217 | $607 | $390 |
| GEICO | $283 | $705 | $422 |
| Progressive | $344 | $846 | $502 |
| Nationwide | $350 | $777 | $428 |
| American Family | $422 | $802 | $380 |
| Allstate | $574 | $1,397 | $823 |
| State Farm | $894 | $2,107 | $1,213 |
Source: The Zebra
Compare car insurance rates from the best companies in Utah.
How have car insurance costs in Utah changed?
Utah's average annual insurance premiums have seen significant changes in recent years. After a sharp drop in 2018, premiums have been on a steady rise. Notably, there was a big jump in 2022, with premiums increasing by $231, and another rise of $126 in 2024. However, 2023 saw a slight dip of $2, suggesting some temporary stabilization. Since 2020, the overall trend shows consistent growth in premium costs, highlighting the rising expenses for Utah consumers, likely due to factors such as inflation, increased claims, or regulatory changes.
| Year | Avg. Annual Premium — Utah | Yearly Change — Utah |
|---|---|---|
| 2024 | $1,741 | $126 |
| 2023 | $1,615 | -$2 |
| 2022 | $1,617 | $231 |
| 2021 | $1,386 | $73 |
| 2020 | $1,313 | $42 |
| 2019 | $1,271 | $84 |
| 2018 | $1,187 | -$609 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Utah car insurance quotes after an accident or ticket
Your car insurance premiums are determined by a number of individual rating factors, including your coverage level, driving history, location, and more. Below you can explore average auto insurance costs by rating factor to get a better sense of how much you should be paying for auto insurance in Utah.
Your driving record plays a big part in how much you pay as well. Insurance companies look for previous at-fault accidents to gauge the level of risk you pose as a customer. A recent at-fault accident could see your car insurance rates increase by as much as $3,332 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $887 | $148 |
| GEICO | $1,144 | $191 |
| American Family | $1,291 | $215 |
| Progressive | $1,294 | $216 |
| Nationwide | $1,308 | $218 |
| Allstate | $1,847 | $308 |
| State Farm | $2,695 | $449 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
While you hope to never need your insurance, a hassle-free claims process is key when you do. In our 2024 Customer Satisfaction Survey, Auto-Owners stood out for its strong claims service.[4] Auto-Owners is a solid option worth considering, especially for handling winter-related accidents and quick claims resolutions.
If you receive a ticket or citation in Utah, your auto insurance premiums are likely to rise. The amount they increase depends on the type of violation, your insurer's pricing standards, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at typical auto insurance rates in Utah after a few common citations.
Source: The Zebra
The Zebra's guide to Utah car insurance laws for high-risk drivers
Serious violations like a DUI or driving without insurance can complicate your coverage. To stay informed, check out our in-depth guide on Utah car insurance laws and requirements, ensuring you're prepared for the state's regulations and penalties.
Utah DUI laws
Being convicted of a DUI offense in Utah can increase your annual car insurance rates by an average of 104%. This comes out to 34% more than the national average rate hike after a DUI. After a DUI, finding affordable auto insurance isn't going to be easy simple. In fact, a DUI charge can bring about larger premium increases than any other road violation. This often includes at-fault accidents, racing, or reckless driving.
Low-cost car insurance after a DUI in Utah
If you're convicted of a DUI or DWI violation in Utah, you will want to carefully consider your insurance choices. Auto insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Utah, USAA averages rates that are 46% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Utah is Progressive, while the priciest company is State Farm.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $951 | $158 |
| American Family | $1,035 | $172 |
| USAA | $1,237 | $206 |
| GEICO | $1,643 | $274 |
| Nationwide | $1,727 | $288 |
| Allstate | $1,796 | $299 |
| State Farm | $3,206 | $534 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Utah SR-22 insurance
An SR-22 is a legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Utah to ensure that you remain insured.
If you currently have auto insurance, requesting an SR-22 certificate is relatively simple. Contact your insurer and ask them to file a SR-22 request for you. If your insurer refuses to file for an SR-22, you should shop around for a new insurance company. Finding cheap auto insurance with an SR-22 in Utah might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Utah
Uninsured drivers
When applying for car insurance, you might face an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may disqualify you from purchasing insurance from some carriers, while others would be happy to cover you.
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For non-owners
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to earn the certificate. If you don't own a vehicle, you should purchase a non-owners auto insurance policy before pursuing an SR-22. Non-owners auto coverage can be less expensive than a standard policy since it won’t provide protection for physical damage to your car.
Find an affordable policy in Utah in minutes!
Cheap auto insurance for teens and young drivers in Utah
Finding affordable car insurance for young adult drivers aged between 16 and 25 is a challenge. In fact, those aged 16 to 19 pay the most expensive premiums of all due to the perceived risk they pose to insurers. Most companies see young drivers as risky due to their lack of experience, meaning that teen drivers pay more than three times the national average for car insurance. Have a look at some of the cheapest carriers available below.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $2,092 | $349 |
| GEICO | $2,172 | $362 |
| American Family | $2,704 | $451 |
| Nationwide | $2,714 | $452 |
| Progressive | $4,274 | $712 |
| Allstate | $4,349 | $725 |
| State Farm | $8,160 | $1,360 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $5,513 | $919 |
| American Family | $3,714 | $619 |
| GEICO | $2,670 | $445 |
| Nationwide | $3,057 | $509 |
| Progressive | $5,562 | $927 |
| State Farm | $11,119 | $1,853 |
| USAA | $3,442 | $574 |
Source: The Zebra
Zebra tip: 3 ways young Utah drivers can save on car insurance
- Take a defensive driving course – Utah-approved courses can lower premiums and reduce accident risk.
- Drive a safer, affordable car – Avoid high-repair, high-performance models.
- Stay on a parent's policy – Benefit from their good insurance history for lower rates.
Car insurance in popular Utah cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Enoch, Utah, and the most expensive in Kearns, Utah.
Have a look at the table below to see average car insurance costs in some of Utah's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Provo | $1,158 | $193 |
| Orem | $1,177 | $196 |
| West Jordan | $1,207 | $201 |
| Salt Lake City | $1,224 | $204 |
| West Valley City | $1,280 | $213 |
Source: The Zebra
Utah car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Utah auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN UT
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.