Cheap Utah Car Insurance

Find affordable auto insurance that works for you in Utah. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Utah

Across the Beehive State, there are 93,914 miles of road just waiting to be driven. We’ll get you prepped with affordable car insurance, so you can take the wheel with confidence.


 

Affordable insurance companies in Utah

What's the cheapest car insurance in Utah?
RankCompany NameAvg. Annual Premium
1Bear River$769
2Safeco$1,040
3Allied$1,120
4Nationwide$1,231
5Cal Casualty$1,329
6Progressive$1,460
7American Family$1,478
8Travelers$1,504
9State Farm$1,859
10Allstate$1,976

Compare quotes online from dozens of insurers that provide coverage throughout Utah. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Utah

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Utah drivers without a recent moving violation save just 14% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$17814.00%
No Accidents$45729.51%
Good Credit$1,16951.71%

 

Cheap auto insurance for young drivers in Utah

Young drivers — those between the ages of 16 and 25 — pay high auto insurance rates, with those between the ages of 16 and 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Utah is one of the most expensive states in which to insure a teen driver. The average Utah teen pays $5,004 per year — almost five times as much as an older Utah driver.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,968$5,806
17$5,654$5,009
18$5,680$4,379
19$4,869$2,672

 

Cheap auto insurance for bad drivers in Utah

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 29% after a DUI, 29% after an at-fault accident, and 14% after a speeding ticket in Utah. The post-citation penalties assessed by car insurance companies after driving violations in Utah are slightly lower than national averages. If you have a clean driving record, be sure to check for good driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,54929.51%
DUI$1,52228.30%
Speeding Violation$1,26914.00%
Bad Credit$2,26051.71%

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Top rated car insurance companies in Utah

Every auto insurance company advertises its low costs. But as with any product, the cheapest choice isn't always the best option. Considering the financial stakes, it's worthwhile to do the research to zero in on the insurance policy that protects your vehicle completely in the event of an incident. Exercise some patience and look for a great value, instead of settling for the cheapest car insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AlliedN/AN/AAverageN/A
AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
Bear RiverN/AN/A ExcellentN/A 
Cal CasualtyN/AN/AGoodN/A
GEICOAverageAverageSuperior4.4 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
SafecoAverageAverageExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5

 

Utah auto insurance laws

In Utah, the state minimum coverage requirements are:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $65,000 per accident
  • Property Damage $15,000 per accident

Personal Injury Protection (PIP)

  • $3,000 per person

Optional coverage in Utah (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

If you select the minimum coverage level in Utah, you'll owe an average of $601 yearly. This is cheaper than the U.S. average by 9%. 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 $1,013, 69% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 87% more than you would for a basic policy.

Read more about auto insurance regulations in the state of Utah

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How tickets change insurance rates in Utah

If you receive a ticket or citation, your auto insurance premiums may rise. By how much 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,76346%$554
Refused Breathalyzer/Chemical Test$1,62835%$419
DUI$1,62835%$419
Racing$1,76346%$554
Reckless Driving$1,69841%$490
Driving with a Suspended License$1,77247%$564
At-Fault Accident$1,70441%$496
Driving with an Open Container$1,59832%$389
Operating a Vehicle Without Permission$1,51225%$303
Passing a School Bus$1,49424%$285
Improper Passing$1,49424%$285
Following Too Closely$1,49524%$286
Speeding$1,46821%$259
Failure to Stop at a Red Light$1,47622%$267
Illegal Turn$1,48523%$276
Driving Wrong Way/Wrong Lane$1,36613%$158
Failure to Yield$1,49524%$286
Speeding in a School Zone$1,46621%$257
Driving Too Slowly$1,45721%$249
Distracted Driving$1,46621%$257
Driving with Expired Registration$1,2937%$84
Failure to Show Documents$1,2937%$84
Not-at-Fault Accident$1,2181%$10
Failure to Use Child Safety Restraint$1,3179%$108
Failure to Wear a Seat Belt$1,38114%$173
Driving Without Lights$1,3008%$91

 

Utah car insurance FAQs

Who has the cheapest car insurance in Utah?

Bear River ($384) and Safeco ($520) offer the cheapest premiums for Utah drivers.

How much is car insurance in Utah?

Car insurance in Utah is reasonably priced, depending on your insurance company. On average, full coverage insurance in Utah is 25% cheaper than the national average. A full-coverage policy will cost you $561 for a six-month policy. A liability-only policy costs $300.

How much is car insurance in Utah per month?

Your monthly rates will vary based on you and your driving profile. Using our average user profile, drivers with liability-only in Utah pay $50 per month for car insurance. If you have full coverage, average rates are around $93.

How much does car insurance cost in Utah cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Logan, Utah, and the most expensive in West Valley City, Utah.

RankCityAvg. Annual Premium
1West Valley City$1,576
2Salt Lake City$1,531
3West Jordan$1,463
4Cottonwood Heights$1,449
5Orem$1,437
6Provo$1,407
7Sandy$1,398
8Clearfield$1,322
9Layton$1,318
10Logan$1,205

 

Recent Questions:

Is car insurance a hard or soft credit check?

Soft credit check. There are companies that do not use credit as a rating factor.
Apr 29, 2018 Salt Lake City, UT

If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?

The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence.
Jun 13, 2017 St George, UT

If I have an accident in my parent's car, will the accident be on my record or my parent's record?

Thanks for the question. Different claims departments file such claims differently.
Oct 11, 2019 Taylorsville, UT

Will I be covered if I build my house in a flood plain?

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.
Jan 20, 2019 St. George, Utah

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.