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Best & Cheapest Utah Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.51 ★★★★★
41 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively

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.

In the table 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 coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

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 Geico. In the table below you can find Utah teen car insurance rates for male and female drivers. The average premiums are listed for the five largest car insurance companies in Utah by market share.

Company Female teen rates Male teen rates
Allstate Insurance $1,843 $2,130
Farmers Insurance Group $3,433 $3,687
Geico $1,220 $1,193
Progressive $2,815 $3,141
State Farm Insurance Company $2,139 $2,468

These rates are based on profiles for 18-year-old male and female drivers in Utah. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

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 Geico. The table below displays average Utah car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $1,747
Farmers Insurance Group $1,700
Geico $950
Progressive $1,639
State Farm Insurance Company $2,109

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Utah?

Geico provides the cheapest car insurance rates for male and female senior drivers on average among the five largest companies in Utah.

Company Female senior rates Male senior rates
Allstate Insurance $1,053 $1,051
Farmers Insurance Group $792 $870
Geico $597 $689
Progressive $893 $832
State Farm Insurance Company $1,055 $1,055

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Utah for car insurance

When car insurance companies are determining your risk in order to determine car insurance rates, the area you live in contributes to your cost. Utah car insurance rates vary depending on your area. The table below displays the top 10 most expensive areas in Utah for car insurance based on average rates for a single adult.

Area Car insurance rates
Cedar City $1,149
Kanarraville $1,154
Moab $1,158
Brian Head $1,158
Beryl $1,159
Parowan $1,161
Modena $1,162
Thompson $1,163
New Harmony $1,163
Summit $1,164

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Utah for car insurance

On average, the area of Magna is the most expensive area in Utah for car insurance. Car insurance rates vary by area in Utah because of differing driving behavior, frequency of accidents and crime rate in different areas. The table below displays the top 10 most expensive areas in Utah for car insurance based on average rates for a single adult.

Area Car insurance rates
Magna $1,471
Salt Lake City $1,436
West Jordan $1,418
Midvale $1,399
Orem $1,378
Bingham Canyon $1,378
Lindon $1,377
South Jordan $1,376
Sandy $1,372
Alpine $1,367

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Utah

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. 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 miminums may not provide enough coverage in the event of a costly accident.

The final requirement — uninsured motorist and underinsured motorist bodily injury — comes with a caveat: Utah drivers can opt to reject the coverage in writing. While rejecting uninsured/underinsured 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.

Utah drivers also have optional coverages to consider, such as collision insurance and comprehensive insurance, which provide additional protection.

Utah state minimum 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.

How car insurance rates are calculated in Utah

When searching and comparing 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:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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?

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 money on your car insurance in Utah

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 lower your car insurance premium.

Here are six 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
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Utah

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

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 car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.