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USAA offers the cheapest car insurance in Utah, according to a QuoteWizard survey of companies serving the state.
Drivers in Utah pay an average of $320 per year when they buy the minimum amount of car insurance the state requires from USAA, our data shows. They pay an average of $615 per year for a full-coverage policy when they buy it from the same insurer.
How do these rates compare to what a typical driver here pays for auto insurance? Quite well, actually. Based on our research, the average Utah driver spends $597 per year on minimum coverage and $1,041 per year on full coverage.
USAA isn’t the only company that offers affordable car insurance in Utah. As you’ll learn below, GEICO, Farm Bureau and Auto-Owners provide low-cost insurance coverage to the state’s drivers, too.
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USAA is the best option for cheap state-minimum car insurance in Utah, with a $320 average annual premium. It’s also the best option for cheap full-coverage car insurance in the state, with a $615 average annual premium.
These rates are based on quotes gathered from Utah insurers for a typical driver.
Several other insurance companies also offer affordable auto insurance to Utah drivers, our data shows. GEICO is a good example. The average premium of $416 per year it offered our sample driver for a state-minimum policy was only $8 per month more than what USAA offered for the same amount of coverage.
Farm Bureau and Auto-Owners offered our sample Utah driver low-cost state-minimum coverage, too. Farm Bureau’s average quote of $437 per year was $9.75 more per month than USAA’s, while Auto-Owners’ average quote was about $12 more per month.
Auto-Owners and GEICO also offered our driver cheap full-coverage car insurance.
The average quote Auto-Owners offered for full coverage was about $12 per month more than what USAA offered. If this sounds like a lot, consider that it’s still nearly $24 per month less than the state average for such a policy, which usually includes liability, comprehensive and collision coverage.
As for GEICO, its average quote of $787 per year for a full-coverage policy was $14 per month more than USAA’s — but $21 per month cheaper than the state average.
Something to keep in mind here: a number of rate factors determine what you pay for auto coverage. Your age and gender are two of them; where you live and the make and model of your vehicle are two more.
USAA, GEICO and Auto-Owners are the best car insurance companies in Utah if you want cheap coverage, according to our research.
We consider USAA the best car insurance company in Utah because it offered our sample driver the lowest rates for both state-minimum and full-coverage policies.
The average rate of $320 per year USAA offered for a minimum policy is $277 per year cheaper than the state average for this amount of coverage. That’s a monthly difference of $23.
USAA offered an average rate of $615 per year for a full-coverage policy. This is $426 per year lower than the state average — or $35.50 per month cheaper.
GEICO is a good option for cheap state-minimum auto insurance in Utah, too. It offered our sample driver an average rate of $416 per year. That’s $181 per year, or $15 per month, cheaper than the state average for this kind of policy.
Not everyone can get coverage from USAA because the company only insures active military, veterans and their eligible family members. If you don’t qualify for insurance from USAA, get a quote from GEICO, as well as from Auto-Owners, while shopping for a full-coverage policy. The average rate of $787 per year GEICO offered for full coverage is $254 per year cheaper than the state average for such a policy.
Auto-Owners also offers cheap full-coverage car insurance in Utah.
This insurer offered our typical driver an average rate of $755 per year for a full-coverage policy. That’s $286 per year, or around $24 per month, lower than the state average for such coverage.
State Farm is the most popular car insurance company in Utah, according to data from S&P Global. It writes 15% of the state’s auto coverage.
USAA, our pick for best auto insurance rates in Utah, is seventh in terms of market share. It writes 6% of the state’s policies.
|Insurance company||Utah market share|
|Bear River Mutual||6%|
|Source: S&P Global|
GEICO, our runner-up for cheap minimum car insurance, writes 10% of Utah’s auto policies. That’s enough for it to be the state’s third-largest insurer in this space.
Auto-Owners, our runner-up for cheap full-coverage car insurance, is Utah’s 10th-largest car insurer. It writes 3% of the state’s policies.
Utah requires drivers to have a minimum of 25/65/15 liability car insurance coverage. This means all auto policies must include at least:
A no-fault state, Utah also requires drivers to carry at least $3,000 of personal injury protection (PIP) coverage. PIP covers a driver’s medical expenses, lost wages and other costs after an accident.
If you’re caught and convicted of driving without insurance in Utah, the state may:
We conducted a comprehensive study of auto insurance rates in Utah through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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