Cheapest Car Insurance in Utah (2022)

The cheapest car insurance companies in Utah: State Farm at $60 a month, Progressive at $77 and Farm Bureau at $78.

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State Farm has the cheapest auto insurance rates in Utah at $60 a month. That's 45% lower than the average premium in the state of $95 a month. Progressive has the second-cheapest rate at $77 a month.

Auto insurance rates tend to be relatively low in Utah, but a little bit of research can save you even more money.

In this article:

Cheapest minimum-coverage auto insurance in Utah

We found that State Farm has the cheapest auto insurance in Utah at $715 a year, or $60 a month, for minimum coverage. To ensure you receive the best car insurance coverage, we recommend comparing rates from multiple companies. Two worthwhile alternatives to consider getting a quote from are Progressive and Farm Bureau.

USAA is the most affordable car insurer overall but is only accessible to veterans and their family members.

Company Annual Monthly
State Farm $715 $60
Progressive $923 $77
Farm Bureau $935 $78
Allstate $1,037 $86
Mid-Century $1,108 $92
Average $1,137 $95
GEICO $1,222 $102
American Family $1,452 $121
Auto-Owners $2,140 $178
USAA $704 $59
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

While a minimum-liability policy has the cheapest price tag, it's important to know that you're paying for coverage that only meets the state’s car insurance requirements. States typically require car insurance to protect other drivers. As such, if you get into an accident with only liability coverage, your insurance will reimburse the other driver for damages to their vehicle, but you will need to pay out of pocket for your own injuries or damages.

Drivers with expensive or new vehicles should strongly consider purchasing additional insurance coverages to protect themselves in the event their car is damaged.

Cheapest companies for full-coverage insurance in Utah

For full-coverage, State Farm has the cheapest car insurance in Utah at $1,275 a year, or $106 a month. In addition to State Farm, we'd also suggest drivers contact Progressive and Farm Bureau, which are more expensive than State Farm but much cheaper than what the average Utah driver pays.

Company Annual Monthly
State Farm $1,275 $106
Progressive $1,539 $128
Farm Bureau $1,839 $153
Mid-Century $1,891 $158
Allstate $1,985 $165
Average $2,017 $168
American Family $2,156 $180
GEICO $2,418 $202
Auto-Owners $3,779 $315
USAA $1,275 $106
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The average full-coverage policy in Utah costs almost twice as much as a minimum-insurance plan. This is because full-coverage plans include additional coverages not included in a minimum policy. Full-coverage insurance is typically defined as a plan that meets the state-minimum insurance requirements but also includes comprehensive and collision coverage.

Policy What does it cover?
Comprehensive Damage caused by events out of your control. This includes natural disasters, theft and fires.
Collision Damage caused by colliding into another car or stationary object, like a sign or a pole.

Get quotes from some of Utah's best car insurers

Cheapest car insurance for Utah drivers with accident history

When accidents happen, they can damage not only your car but also your insurance rates. Drivers with a recent history of even one accident can see their rates increase — and even double, depending on the insurer. That's why it's important to compare and shop around with different insurers to ensure you receive the best rates.

State Farm and Progressive have the best rates for drivers with an accident on their records, charging an average of $128 and $134 per month, respectively.

Company Annual Monthly
State Farm $1,534 $128
Progressive $1,610 $134
Mid-Century $2,700 $225
Farm Bureau $2,840 $237
Allstate $2,955 $246
Average $3,091 $258
American Family $3,483 $290
GEICO $4,747 $396
Auto-Owners $6,005 $500
USAA $1,942 $162
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Unfortunately, most accidents stay on your record and will affect your insurance rates for three to five years. If you've been involved in an accident recently, there are still steps you can take to mitigate your premium rates. This includes shopping around for the best rates, taking advantage of discounts or getting rid of any unnecessary coverage.

Cheapest auto insurance for drivers in Utah with a DUI

Utah drivers who have been charged with a DUI can find the most inexpensive insurance rates from State Farm, which charges about $117 per month or $1,404 annually. The next-cheapest option is Farm Bureau. However, Farm Bureau charges much more than State Farm, $174 per month on average — a difference of $57.

Company Annual Monthly
State Farm $1,404 $117
Farm Bureau $2,084 $174
Progressive $2,131 $178
Mid-Century $2,590 $216
American Family $2,757 $230
Allstate $2,768 $231
Average $3,438 $287
GEICO $4,736 $395
Auto-Owners $10,018 $835
USAA $2,459 $205
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest auto insurance in Utah after a speeding ticket

Your entire driving record, including your speeding history, is taken into account when insurance companies determine your rates. State Farm is the major insurer that offered the cheapest premium rates for drivers with a speeding ticket, at $117 per month.

Company Annual Monthly
State Farm $1,404 $117
Farm Bureau $2,084 $174
Allstate $2,230 $186
Progressive $2,238 $186
Average $2,444 $204
Mid-Century $2,685 $224
American Family $2,757 $230
GEICO $3,180 $265
Auto-Owners $3,779 $315
USAA $1,643 $137
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Speeding tickets, unfortunately, stay on your record for three to five years, depending on the state. The best way to erase the effect of a speeding ticket on your record is to be patient and wait for the ticket to fall off your record.

Cheapest auto insurance for young Utah drivers

Teen drivers have the highest auto insurance rates of any demographic due to a lack of experience behind the wheel. For example, a 16-year-old driver in Utah pays an average of $328 a month for auto insurance. For the cheapest policy, teen drivers should reach out to Farm Bureau and State Farm.

Company Annual Monthly
Farm Bureau $2,114 $176
State Farm $2,253 $188
Allstate $3,299 $275
Progressive $3,345 $279
GEICO $3,630 $302
Average $3,934 $328
American Family $4,223 $352
Mid-Century $5,689 $474
Auto-Owners $8,237 $686
USAA $2,614 $218
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you are a teenage driver or you have one in your household, there are many discounts that can help knock down costs:

  1. Youthful driver discount. If you're under 25 years old and the child or grandchild of the named insured on the policy, you may get a discount.
  2. Good student discount. You can get a discount if you maintain a 3.0 GPA or better, or you're on the dean's list or honor roll, or you're in the top 20% of your class or top 20% on standardized testing.
  3. Shared family car discount. If you're 20 years old or younger and there are more drivers than vehicles in your household, insurers may have a discount for you.

Affordable full-coverage car insurance for teens

If you're looking for a full-coverage policy, the cheapest rates for teen drivers can be found with State Farm and Farm Bureau at a monthly rate of $343 and $364, respectively.

Company Annual Monthly
State Farm $4,113 $343
Farm Bureau $4,368 $364
American Family $6,749 $562
Allstate $6,942 $579
Average $7,304 $609
Progressive $7,400 $617
GEICO $7,519 $627
Mid-Century $9,689 $807
Auto-Owners $14,160 $1,180
USAA $4,800 $400
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance for teens with an accident history

Teen drivers with an accident history can find the most affordable rates from State Farm: $416 a month or $4,990 a year.

Company Annual Monthly
State Farm $4,990 $416
Farm Bureau $7,531 $628
Progressive $7,808 $651
Allstate $8,435 $703
Average $10,075 $840
American Family $10,858 $905
Mid-Century $12,197 $1,016
GEICO $12,674 $1,056
Auto-Owners $20,415 $1,701
USAA $5,767 $481
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI 

Young drivers who have been found guilty of a DUI should contact State Farm and Farm Bureau for the most inexpensive rates. 

Company Annual Monthly
State Farm $4,551 $379
Farm Bureau $4,959 $413
Progressive $8,291 $691
American Family $8,369 $697
Allstate $10,214 $851
Mid-Century $11,907 $992
Average $12,266 $1,022
GEICO $13,620 $1,135
Auto-Owners $40,774 $3,398
USAA $7,713 $643
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

Young drivers with a speeding ticket on their records should contact State Farm and Farm Bureau for the most inexpensive rates. Both offer rates well below the state average of $696.

Company Annual Monthly
State Farm $4,551 $379
Farm Bureau $4,959 $413
Allstate $7,969 $664
Average $8,349 $696
American Family $8,369 $697
Progressive $8,454 $704
GEICO $8,961 $747
Mid-Century $12,175 $1,015
Auto-Owners $14,160 $1,180
USAA $5,545 $462
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors

Insurers see older drivers as more experienced and mature than younger ones. As a result, senior drivers are rewarded for their years of driving moxie. In Utah, senior drivers found the cheapest rates at State Farm, Farm Bureau and Progressive. 

If you're a veteran or you have a family member who is a veteran, USAA delivers affordable and personalized car insurance coverage.

Company Annual Monthly
State Farm $684 $57
Farm Bureau $910 $76
Progressive $927 $77
Mid-Century $1,153 $96
Average $1,167 $97
Allstate $1,174 $98
GEICO $1,223 $102
American Family $1,422 $118
Auto-Owners $2,280 $190
USAA $730 $61
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Utah's cheap full-coverage auto insurance for seniors

State Farm offers the cheapest full-coverage car insurance for senior drivers at $99 per month or $1,192 annually. Another worthwhile alternative is Progressive, which charges about $121 per month or $1,455 annually.

Company Annual Monthly
State Farm $1,192 $99
Progressive $1,455 $121
Farm Bureau $1,784 $149
Mid-Century $1,793 $149
Average $1,990 $166
American Family $2,115 $176
Allstate $2,178 $181
GEICO $2,301 $192
Auto-Owners $3,843 $320
USAA $1,249 $104
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Utah's cheap auto insurance for seniors after an accident

After an accident, seniors can find the best car insurance rates with State Farm and Progressive. Both offer at rates well below the state average of $260.

Company Annual Monthly
State Farm $1,436 $120
Progressive $1,521 $127
Mid-Century $2,751 $229
Farm Bureau $2,754 $229
Average $3,117 $260
Allstate $3,289 $274
American Family $3,456 $288
GEICO $4,587 $382
Auto-Owners $6,116 $510
USAA $2,147 $179
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest auto insurance for seniors after a DUI

Seniors who have been caught driving under the influence can still find cheap rates if they ask around. Our research found that State Farm and Farm Bureau offer the best insurance rates for senior drivers in Utah.

Company Annual Monthly
State Farm $1,314 $110
Farm Bureau $2,021 $168
Progressive $2,154 $179
Mid-Century $2,642 $220
American Family $2,718 $226
Allstate $3,073 $256
Average $3,487 $291
GEICO $4,824 $402
Auto-Owners $10,230 $853
USAA $2,409 $201
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Inexpensive car insurance for seniors after a speeding ticket

Senior drivers who have received a speeding ticket within the last three to five years can find the cheapest insurance rates through State Farm, which charges approximately $110 per month. Farm Bureau is the second-cheapest option but at a slightly more expensive price point — $168 per month.

Company Annual Monthly
State Farm $1,314 $110
Farm Bureau $2,021 $168
Progressive $2,286 $191
Average $2,451 $204
Allstate $2,459 $205
American Family $2,718 $226
Mid-Century $2,727 $227
GEICO $3,077 $256
Auto-Owners $3,843 $320
USAA $1,609 $134
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Looking for cheap car insurance in Utah?

Utah cities with the cheapest car insurance rates

Insurance premium rates can vary depending on where you live. Cities with dense populations, high rates of vehicular crimes and poor road infrastructure tend to have drivers with more expensive car insurance rates than the state average.

Of the most populated cities in Utah, St. George has the lowest average car insurance rate of $82 a month. West Jordan has the highest rate at $100 a month.

Cheapest full-coverage auto insurance rates by city
City Average monthly rate
St. George $133
Layton $143
Ogden $146
Sandy $153
Provo $154
South Jordan $155
State average $157
Orem $159
Salt Lake City $160
West Jordan $163
West Valley $171
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Utah's minimum car insurance requirements

Utah state law requires drivers to carry the following minimum auto insurance limits:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $65,000
  • Property damage liability per accident: $15,000

Additionally, Utah is a no-fault state. This means that your auto insurance provider will pay for your damages and medical bills regardless of who is responsible in the event of an accident. Accordingly, Utah state law also requires drivers to carry at least $3,000 in personal injury protection (PIP) coverage. PIP covers costs that may arise after an accident, such as medical expenses and lost wages.

While these limits may seem high, an extended hospital stay or court case after an accident can burn through them quickly. Any costs above your limits come out of your pocket, which can be substantial if you own an expensive or new car. In order to secure your own financial protection and peace of mind, we recommend increasing your coverage limits to the following:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

We used Quadrant Information Services to generate thousands of car insurance quotes from the largest cities in Utah from the following providers:

  • Allstate
  • American Family
  • Auto-Owners
  • Farm Bureau
  • GEICO
  • Mid-Century
  • Progressive
  • State Farm
  • USAA

Our sample car used to generate quotes was a 2012 Honda Accord LX with an annual 13,500 miles and a 35-year-old male driver with Utah minimum liability limits:

  • $100,000/$300,000 bodily injury liability per person/per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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