Best & Cheapest Car Insurance in Utah as Rated by Customers in 2022

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
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4.55 ★★★★★
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#3
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4.25 ★★★★★
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#4
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4.23 ★★★★★
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#5
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4.21 ★★★★★
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#6
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4.20 ★★★★★
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#7
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4.18 ★★★★★
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#8
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4.17 ★★★★★
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#9
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The Hartford
4.15 ★★★★★
4.15 ★★★★★
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#10
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4.13 ★★★★★
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#11
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4.11 ★★★★★
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#12
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4.10 ★★★★★
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#13
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4.10 ★★★★★
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#14
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PURE
4.10 ★★★★★
4.10 ★★★★★
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#15
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4.09 ★★★★★
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#16
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4.09 ★★★★★
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#17
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4.06 ★★★★★
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#18
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4.05 ★★★★★
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#19
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4.04 ★★★★★
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#20
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#21
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MetLife, Inc.
4.02 ★★★★★
4.02 ★★★★★
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#22
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Allstate
4.00 ★★★★★
4.00 ★★★★★
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#23
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4.00 ★★★★★
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#24
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Esurance, Inc.
3.99 ★★★★★
3.99 ★★★★★
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#25
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3.99 ★★★★★
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#26
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3.96 ★★★★★
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#27
/76
3.93 ★★★★★
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#28
/76
3.93 ★★★★★
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#29
/76
3.92 ★★★★★
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#30
/76
3.91 ★★★★★
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#31
/76
3.88 ★★★★★
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#32
/76
3.83 ★★★★★
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#33
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Dairyland
3.83 ★★★★★
3.83 ★★★★★
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#34
/76
3.82 ★★★★★
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#35
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United Insurance
3.82 ★★★★★
3.82 ★★★★★
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#36
/76
3.72 ★★★★★
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#37
/76
3.57 ★★★★★
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#38
/76
3.55 ★★★★★
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#39
/76
3.51 ★★★★★
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#40
/76
3.48 ★★★★★
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#41
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Clearcover
3.42 ★★★★★
3.42 ★★★★★
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Excellent
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#42
/76
3.36 ★★★★★
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#43
/76
3.33 ★★★★★
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#44
/76
3.29 ★★★★★
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#45
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Root Insurance
3.25 ★★★★★
3.25 ★★★★★
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#46
/76
3.25 ★★★★★
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#47
/76
3.17 ★★★★★
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#48
/76
2.70 ★★★★★
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#49
/76
2.36 ★★★★★
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#50
/76
2.31 ★★★★★
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#51
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RentalCover.com
4.43 ★★★★★
4.43 ★★★★★
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#52
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4.42 ★★★★★
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#53
/76
4.31 ★★★★★
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#54
/76
4.30 ★★★★★
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#55
/76
4.30 ★★★★★
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#56
/76
4.27 ★★★★★
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#57
/76
4.21 ★★★★★
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#58
/76
4.12 ★★★★★
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#59
/76
Hagerty
4.00 ★★★★★
4.00 ★★★★★
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#60
/76
3.42 ★★★★★
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#61
/76
3.39 ★★★★★
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#62
/76
3.34 ★★★★★
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#63
/76
3.28 ★★★★★
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#64
/76
3.13 ★★★★★
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#65
/76
2.82 ★★★★★
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#66
/76
UFG Insurance
2.70 ★★★★★
2.70 ★★★★★
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#67
/76
2.63 ★★★★★
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#68
/76
2.56 ★★★★★
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#69
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2.50 ★★★★★
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#70
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2.49 ★★★★★
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#71
/76
1.94 ★★★★★
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#72
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0.00 ★★★★★
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#73
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0.00 ★★★★★
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#74
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0.00 ★★★★★
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#75
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0.00 ★★★★★
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#76
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0.00 ★★★★★
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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 coverage they offer, any insurance 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?

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. So how can you find cheap car insurance for teens 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 ratesMale 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 auto insurance providers is GEICO. However, if you have a clean driving record, you are more likely to receive different insurance quotes compared to someone who has had an at fault accident.

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 one driving incident within the past three 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 ratesMale 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.

Where are the 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 one driving incident within the past three 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.

What are the 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 one driving incident within the past three 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.

Are there any minimum car insurance coverage requirements 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. 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/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, 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 are car insurance rates calculated in Utah?

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:

  • 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 can you 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.

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
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • 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 does Clearsurance rate and rank 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. Looking at the cheapest provider doesn't often reflect what the market has to offer in terms of customer service and affordable rates.

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.

Is there a guide to use as reference?

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.

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 GEICO. 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 GEICO. 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?

GEICO provides the cheapest car insurance rates for male and female senior drivers on average among the five 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. 

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