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:
- 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.
- 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.
- 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.
| 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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