Best and Cheapest Car Insurance in Utah (10 Most Affordable Companies for 2024)
USAA, Geico, and Travelers have the best and cheapest car insurance in Utah for customers.
In addition to the top three Utah companies, there are also plenty of other great choices. The full list of the best and cheapest car insurance companies in Utah are below.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $22 | Military Benefits | A++ | USAA |
 |
#2 | $33 | Coverage Options | A++ | Geico |
 |
#3 | $39 | IntelliDrive Program | A++ | Travelers |
 |
#4 | $42 | Loyalty Programs | A+ | Progressive |
 |
#5 | $43 | Multi-Policy Discounts | A+ | Nationwide |
 |
#6 | $46 | High-Risk Drivers | B | State Farm |
 |
#7 | $47 | Discount Availability | A | American Family |
 |
#8 | $51 | Discount Variety | A | Farmers |
 |
#9 | $52 | Safe-Driving Discounts | A+ | Allstate |
 |
#10 | $53 | Diverse Coverage | A | Liberty Mutual |
To learn more about how to find cheap Utah auto insurance, read on. You can also enter your ZIP in our free tool to get cheap Utah car insurance quotes today.
What You Should Know
- USAA has the cheapest Utah car insurance for military drivers and veterans
- Geico and Travelers are cheapest for non-military and veteran drivers
- All Utah drivers must carry the required state minimum coverages
On this page:
- Best Utah Car Insurance Companies Rates and Discounts
- Cheapest Teen Car Insurance Rates in Utah
- Cheapest Married Couple Car Insurance Rates in Utah
- Cheapest Senior Car Insurance Rates in Utah
- 10 Cheapest Cities in Utah for Car Insurance
- 10 Most Expensive Cities in Utah for Car Insurance
- Utah Minimum Car Insurance Coverage Requirements and Limits
- How Utah Car Insurance Companies Calculate Rates
- How To Save on Utah Car Insurance Rates
- How Clearsurance Ranks the Best Utah Car Insurance Companies
- Finding the Best and Cheapest Utah Car Insurance for You
#1 – USAA: Top Pick Overall
Pros
- Military Benefits: USAA has plenty of benefits for its military and veteran customers, from low rates to shopping discounts.
- Customer Service: USAA claims and customer service is rated highly by customers. Learn more about services in our USAA review.
- Student Discounts: USAA has a good student discount for current students in Utah.
Cons
- Eligibility Restrictions: Utah insurance is only sold to military members, veterans, and their families.
- Limited Local Locations: There aren’t many USAA Utah offices for in-person support.
#2 – Geico: Best for Coverage Options
Pros
- Coverage Options: Geico provides Utah customers with minimum and full coverage options. Geico also sells Geico renters insurance, home insurance, and much more.
- Competitive Rates: Geico is the most competitive option for drivers who don’t qualify for USAA.
- User-Friendly: Geico is very user-friendly for online policy and claim management.
Cons
- Limited Local Locations: There aren’t many Geico offices with local agents.
- Gap Coverage Not Available: Gap coverage for new cars isn’t available in Utah.
#3 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Utah customers can join for free and potentially earn a large discount for safe driving.
- Discount Variety: In addition to the IntelliDrive program, there are also bundling discounts, safety feature discounts, and many more.
- Coverage Variety: Utah customers can add optional coverages to their policy, or carry the bare minimum.
Cons
- IntelliDrive Rate Increases: Utah customers could see a hike in rates after finishing the program if they did badly.
- Customer Service Ratings: While ratings aren’t terrible, they could be better. Learn more about its ratings in our Travelers review.
#4 – Progressive: Best for Loyalty Programs
Pros
- Loyalty Programs: Progressive has loyalty programs with rewards for its customers.
- Snapshot Program: A free good driver program to help Utah customers save.
- Add-On Coverages: Progressive has roadside assistance, rental car reimbursement, and many more. See what’s offered in our Progressive review.
Cons
- Snapshot Rate Increases: It is possible that Utah rates could rise for bad drivers.
- Customer Service Ratings: Ratings aren’t horrible, but could be improved.
#5 – Nationwide: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Nationwide also sells insurance for homes, rental properties, and more. Read more in our Nationwide insurance review.
- Vanishing Deductibles: Nationwide lowers deductibles for safe drivers who don’t file claims.
- SmartMiles Insurance: Coverage that you pay for by the mile, which is ideal for infrequent Utah drivers.
Cons
- Limited Local Agents: Utah customers may not be able to find a local office branch.
- High-Risk Rates: Nationwide can be an expensive choice for high-risk Utah drivers.
#6 – State Farm: Best for Multi-Policy Discounts
Pros
- High-Risk Drivers: State Farm insures most high-risk drivers, although Utah insurance rates will be higher. Learn more about rates in our review of State Farm.
- Discount Variety: State Farm has good driver discounts, bundling discounts, and many more for Utah customers.
- Local Agents: Utah agents are stationed around the state for personalized help.
Cons
- Online Management Limitations: State Farm’s online tools don’t allow customers to do much, as most changes are made through agents.
- A.M. Best Rating: State Farm’s financial management system could be improved greatly.
#7 – American Family: Best for Discount Availability
Pros
- Discount Availability: Utah customers have access to a full range of discounts. Learn more in our American Family review.
- Accident Forgiveness: Good drivers may be forgiven their first accident in Utah.
- Add-On Coverages: American Family offers roadside assistance and more in Utah.
Cons
- Online Management Limitations: Agents must be contacted in Utah for some changes.
- High-Risk Rates: American Family can be a more expensive option for some high-risk Utah drivers.
#8 – Farmers: Best for Discount Variety
Pros
- Discount Variety: Farmers variety of discounts will help Utah drivers reduce rates. Learn more in our Farmers review.
- Flexible Payment Options: Farmers lets customers choose the frequency of payment and payment method from several different options.
- Coverage Options: Farmers has roadside assistance and more available to Utah customers.
Cons
- Customer Service Ratings: Ratings could be higher for customer service at Farmers.
- Claims Processing: Has been reported to be slow in some reviews from customers.
#9 – Allstate: Best for Safe-Driving Discounts
Pros
- Safe-Driving Discounts: Allstate rewards good drivers with discounts in Utah. Learn more in our Allstate review.
- Milewise Insurance: Lets you pay by the mile for Utah insurance, which is great for infrequent drivers.
- Add-On Coverages: Allstate has rental reimbursement, roadside assistance, and more.
Cons
- Claim Reviews: Customers have issues with how Allstate handles their claims.
- Teen Driver Rates: Allstate is a pricier choice for Utah teens.
#10 – Liberty Mutual: Best for Diverse Coverage
Pros
- Diverse Coverage: Liberty Mutual has a diverse range of coverages for Utah vehicles. Learn more about it in our Liberty Mutual review.
- Accident Forgiveness: Good drivers may have their first Utah accident forgotten.
- Discount Options: Good student discounts, good driver discounts, and more are provided to Utah customers.
Cons
- Customer Reviews: Liberty Mutual’s ratings for services could be much higher.
- High-Risk Rates: High-risk Utah drivers will find rates high from Liberty Mutual.
Best Utah Car Insurance Companies Rates and Discounts
Finding the right car insurance in Utah can be difficult, and you want to find an insurance company that will fit your needs. It’s hard to know what an insurance company is going to be like unless you’ve been a customer with them. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Utah.
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Utah car insurance companies.
Take a look at the average Utah rates by coverage type at the cheapest Utah companies below.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $52 | $117 |
| American Family | $47 | $105 |
| Farmers | $51 | $115 |
| Geico | $33 | $73 |
| Liberty Mutual | $53 | $119 |
| Nationwide | $43 | $93 |
| Progressive | $42 | $95 |
| State Farm | $46 | $103 |
| Travelers | $39 | $88 |
| USAA | $22 | $50 |
Full coverage is usually the best option for Utah drivers, though some drivers with older vehicles may opt for minimum coverage (Learn More: What kind of car insurance do you really need?). Drivers purchasing full coverage can try and get cheaper rates through discounts at the top companies.
In the tables above, you can sort through all the Utah car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Utah car insurance rankings.
Interested in learning more about one of these Utah car insurance companies? You can visit the company’s profile page to find out what additional coverage they offer, any insurance discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
Cheapest Teen Car Insurance Rates in Utah
Young drivers pay significantly higher auto insurance rates because they considered inexperienced drivers. Because of the risk, they pay more than three times the national average. Even if you have them take a defensive driving course, they may still not see a low average cost.
Learn More: Tips to Keep Teen Drivers Safe on the Road
So how can you find cheap car insurance for teens in Utah? Start by looking at the cheapest companies. In the table below, you can find Utah teen car insurance rates for male and female drivers for minimum coverage policies.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $111 | $198 |
| American Family | $209 | $275 |
| Farmers | $312 | $319 |
| Geico | $98 | $104 |
| Liberty Mutual | $198 | $219 |
| Nationwide | $154 | $200 |
| Progressive | $289 | $324 |
| State Farm | $145 | $180 |
| Travelers | $239 | $333 |
| USAA | $92 | $107 |
The most popular car insurance company in Utah that offers the cheapest rates to teen drivers is USAA. If teens can't get USAA insurance, then Geico and State Farm are also affordable choices.
Cheapest Married Couple Car Insurance Rates in Utah
The table below displays average minimum coverage Utah car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $61 |
| American Family | $57 |
| Farmers | $67 |
| Geico | $30 |
| Liberty Mutual | $58 |
| Nationwide | $55 |
| Progressive | $61 |
| State Farm | $62 |
| Travelers | $46 |
| USAA | $31 |
For married couples in Utah, the cheapest option for car insurance among the most popular auto insurance providers is USAA. However, if you have a clean driving record, you are more likely to receive affordable insurance quotes compared to someone who has had an at fault accident.
Learn More: Do I have to add my spouse to my car insurance?
Cheapest Senior Car Insurance Rates in Utah
USAA provides the cheapest car insurance rates for male and female senior drivers on average among the cheapest companies in Utah. For more cheap options, take a look at the minimum Utah coverage rates by gender for seniors below.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $52 | $52 |
| American Family | $44 | $44 |
| Farmers | $45 | $48 |
| Geico | $30 | $34 |
| Liberty Mutual | $40 | $44 |
| Nationwide | $36 | $39 |
| Progressive | $36 | $39 |
| State Farm | $42 | $42 |
| Travelers | $36 | $37 |
| USAA | $20 | $20 |
Seniors often have more affordable rates due to driving experience. They are also less likely to be driving during busy commute hours, lessening their chances of being in a traffic accident.
10 Cheapest Cities in Utah for Car Insurance
When car insurance companies are determining your risk in order to determine car insurance rates, the city you live in contributes to your cost. Utah car insurance rates vary depending on your city.
The table below displays the top 10 cheapest cities in Utah for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Cedar City | $96 |
| Kanarraville | $96 |
| Moab | $97 |
| Brian Head | $97 |
| Beryl | $97 |
| Parowan | $97 |
| Modena | $97 |
| Thompson | $97 |
| New Harmony | $97 |
| Summit | $97 |
Cedar City and Kanarraville are the cheapest cities to purchase auto insurance. If you move to a new city in Utah or move out of state, you will see a change in rates.
Read More: Car Insurance Tips When Moving Out of State
10 Most Expensive Cities in Utah for Car Insurance
On average, the city of Magna is the most expensive city in Utah for car insurance. Car insurance rates vary by cityin Utah because of differing driving behavior, frequency of accidents and crime rate in different areas (Learn More: Why is car insurance so expensive?).
The table below displays the top 10 most expensive cities in Utah for car insurance based on average rates for a single adult.
| City | Monthly Rates |
|---|---|
| Magna | $123 |
| Salt Lake City | $120 |
| West Jordan | $118 |
| Midvale | $117 |
| Orem | $115 |
| Bingham Canyon | $115 |
| Lindon | $115 |
| South Jordan | $115 |
| Sandy | $114 |
| Alpine | $114 |
Magna, Utah is the most expensive city for car insurance. If you live in Magna or any of the other cities on our list, make sure to shop around for car insurance quotes.
Utah Minimum Car Insurance Coverage Requirements and Limits
All Utah drivers should take the time to become familiar with the state’s car insurance laws, which can be complicated. Utah is a no-fault state, and drivers are required to carry personal injury protection (PIP), which provides coverage for injuries sustained in an accident, regardless of who is at fault.
So if you're in an accident with someone who ended up getting distracted driving, it is still not considered their fault. However, unlike many other no-fault states, Utah does allow drivers to submit a claim against an at-fault driver if the limits on their PIP coverage have been exhausted.
Utah also requires drivers to obtain liability insurance. The minimum limits are outlined below, but it’s important to consider purchasing higher limits, as the minimums may not provide enough auto insurance coverage in the event of a costly accident.
The final requirement — uninsured motorist and underinsured motorist bodily injury coverage — comes with a caveat: Utah drivers can opt to reject the coverage in writing. While rejecting uninsured motorist coverage may result in cheaper premiums, it also means drivers aren’t covered in certain situations, such as an accident caused by a driver without insurance, a driver without enough insurance or a hit-and-run driver.
The minimum limits required with this coverage are outlined below, but this means that if there are any medical bills or hospital bills as a result of the accident, you may be stuck paying for them.
Utah drivers also have optional coverages to consider, such as collision insurance and comprehensive insurance, which provide additional protection.
Utah state minimum coverage insurance requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $65,000 per accident
- Property damage — $15,000 per accident
Personal injury protection:
- $3,000 per person
Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $65,000 per accident
Bodily injury caused by an underinsured motorist:
- $25,000 per person
- $65,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence. Repair bills for a home can quickly become steep, so it never hurts to be safe rather than sorry if at all possible. Obtaining more than just the minimum requirements can save you from paying out of your own pocket when it comes to someone else's medical costs or repairs.
All drivers in Utah must have proof of insurance in order to present it to law enforcement upon request.
How Utah Car Insurance Companies Calculate Rates
When searching and comparing auto insurance quotes from the best auto insurance companies in Utah, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Vehicle Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Read more: Why did my car and homeowners insurance rates increase?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How To Save on Utah Car Insurance Rates
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Utah car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can save and get cheap car insurance.
Find affordable car insurance in Utah is possible. Here are a few ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Maintain a clean driving record
- Shop for better insurance rates
You can also ask your insurer, or other carriers if you're in the market, if you're eligible for any of the numerous discounts that exist. You may qualify for a safe driver discount.
Make sure to provide information that is in no way false in order for carriers to give you accurate quotes. If you fail to mention that you have had a DUI in the past, they may provide you with an inaccurate annual cost.
How Clearsurance Ranks the Best Utah Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. Looking at the cheapest provider doesn't often reflect what the market has to offer in terms of customer service and affordable rates.
Read More: What to Consider When Getting Car Insurance Quotes Online
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. Customer satisfaction ratings help us provide you with better insight on what makes a company worthwhile.
You can tell more from a company by looking at their customer loyalty, rather than how cheaply they provide products. If you're not given a proper customer experience, you may not be content with how they run their business or fulfill claims.
We make sure that the reviews we use grant you accurate content.
Finding the Best and Cheapest Utah Car Insurance for You
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Compare rates now with our free quote comparison tool to find the cheapest Utah insurance company near you.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Utah?
The most popular car insurance company in Utah that offers the cheapest rates to teen drivers is USAA. A teen driver generally has to be on the lookout for driver discounts to offset their higher than average prices when it comes to their auto policies. Though a teen driver with a clean record will have a slightly less difficult time, they can still be seen as a high-risk driver because they don't have much of a driving history for a company to look at.
Who offers the cheapest car insurance rates for a married couple in Utah?
For married couples in Utah, the cheapest option for car insurance among the most popular companies is USAA. The good news is that this doesn't split the coverage per person, it only reduces the coverage rates that they have to pay. Each person will still want to maintain safe driving habits, but being able to group together opens up many more policy service options.
Who offers the cheapest senior car insurance rates in Utah?
USAA provides the cheapest car insurance rates for male and female senior drivers on average among the largest companies in Utah. There can be a wide range of reasons why senior drivers need to compare prices, but for the most part it's because they require financial stability, for themselves and from the company they choose. Especially if they're considering purchasing anything like a full-coverage policy, which can get expensive.
Who has the lowest auto insurance rates in Utah?
USAA has the lowest Utah auto insurance rates for drivers.
What type of car insurance is cheapest in Utah?
Minimum car insurance is the cheapest type of Utah car insurance.
What is the minimum car insurance in Utah?
Utah requires 25/65/15 of liability insurance, as well as PIP insurance and underinsured/uninsured motorist insurance.
What is full coverage car insurance in Utah?
Full coverage insurance is the Utah minimum requirements combined with collision and comprehensive coverage.
Is it illegal to drive without insurance in Utah?
Yes, driving without insurance in Utah is illegal.
Does insurance follow the car or driver in Utah?
Insurance usually follows the Utah vehicle, not the driver.
Is Utah a no-fault state?
Yes, Utah is one of the few no-fault states for auto insurance.