Key Takeaways
- Utah drivers can expect to pay an average of $83 per month for state-minimum required car insurance, which is just slightly higher than the national average.
- State Farm offers the cheapest car insurance in many of our driver categories, including good drivers, drivers with an at-fault drivers accident and married drivers.
In this article:
The cheapest car insurance companies in Utah
Cheapest overall: State Farm
Cheapest with bad credit: Progressive
Cheapest for seniors: Allstate
The best way to find out which company has the best and cheapest rates for you: compare car insurance quotes from several companies before settling on one.
Utah car insurance state minimums
Utah is a no-fault car insurance state. This means that your auto insurance provider will pay for your damages and medical bills regardless of who is responsible if you’re involved in an accident. 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.
| Coverage type | State requirements |
|---|---|
|
Bodily injury liability |
$25,000 per person/$65,000 per accident |
|
Property damage liability |
$15,000 per accident |
|
Personal injury protection |
$3,000 |
Cheapest minimum-coverage auto insurance rates in Utah: State Farm
The average cost of state-minimum car insurance in Utah is $83 a month.
State Farm charges Utah drivers $59 a month for minimum-coverage car insurance. For current and former members of the military, USAA has the cheapest rates at $48 a month.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$59 |
|||
|
Farm Bureau |
$63 |
|||
|
Auto-Owners |
$66 |
|||
|
Progressive |
$78 |
|||
|
American Family |
$95 |
|||
|
GEICO |
$99 |
|||
|
Allstate |
$108 |
|||
|
Farmers |
$129 |
|||
|
USAA* |
$48 |
|||
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *USAA is only available to current and former members of the military and their families. |
||||
Get cheap car insurance in Utah
Compare quotes from top insurance companies
Cheapest full-coverage auto insurance rates in Utah: State Farm
To get the cheapest full-coverage car insurance in Utah, go to State Farm, which offers an average rate of $111 a month for this amount of coverage.
Utah drivers looking for full-coverage car insurance can expect to pay around $145 a month.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$111 |
|||
|
Auto-Owners |
$115 |
|||
|
Farm Bureau |
$123 |
|||
|
Progressive |
$129 |
|||
|
American Family |
$143 |
|||
|
GEICO |
$183 |
|||
|
Allstate |
$193 |
|||
|
Farmers |
$219 |
|||
|
USAA* |
$90 |
|||
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *USAA is only available to current and former members of the military and their families. |
||||
Full-coverage car insurance usually includes collision, comprehensive and liability coverages.
No state requires full coverage, but if you finance or lease your vehicle, you may be required by the dealership to obtain full-coverage car insurance.
If your vehicle is new or expensive, you should consider full-coverage car insurance. Otherwise, you might pay high out-of-pocket costs if you file a claim for damage to your vehicle.
Cheapest car insurance in Utah for drivers with bad credit: Progressive
Drivers with bad credit in Utah should look to Progressive for the cheapest rates, at $206 a month for full-coverage car insurance.
Providers tend to see poor credit as a risk factor when calculating your car insurance quote, although some states like California and Michigan are starting to forbid credit ratings to be used in premium calculation.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
Progressive |
$206 |
|||
|
Farm Bureau |
$236 |
|||
|
American Family |
$256 |
|||
|
Auto-Owners |
$301 |
|||
|
Allstate |
$338 |
|||
|
GEICO |
$340 |
|||
|
Farmers |
$354 |
|||
|
State Farm |
$372 |
|||
|
USAA* |
$190 |
|||
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest car insurance for drivers with a prior incident
An infraction can drive up your car insurance rates considerably, depending on the type of offense and the state in which you live. After a driver offense such as a speeding ticket, an at-fault accident or a DUI, it's likely you'll see an increase in your rates.
A ticket, accident or DUI can stay on your record for many years, depending on the offense. A speeding ticket may only affect your rates for three years, but a DUI can stay on your insurance record for up to 10 years.
Cheapest for drivers with a speeding ticket: Auto-Owners
If you have a speeding ticket on your record, Auto-Owners offers the cheapest car insurance rates at $115 a month.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
Auto-Owners |
$115 |
|||
|
State Farm |
$122 |
|||
|
Farm Bureau |
$139 |
|||
|
Progressive |
$167 |
|||
|
American Family |
$184 |
|||
|
Allstate |
$216 |
|||
|
GEICO |
$242 |
|||
|
Farmers |
$311 |
|||
|
USAA |
$115 |
|||
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest for drivers with an at-fault accident: State Farm
After an accident, Utah drivers find the most affordable car insurance from State Farm at an average rate of $133 a month. Auto-Owners is the next-cheapest at $145 a month.
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.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$133 |
|||
|
Auto-Owners |
$145 |
|||
|
Farm Bureau |
$189 |
|||
|
Progressive |
$204 |
|||
|
American Family |
$233 |
|||
|
Allstate |
$284 |
|||
|
Farmers |
$335 |
|||
|
GEICO |
$355 |
|||
|
USAA* |
$136 |
|||
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest for drivers with a DUI: State Farm
If you are pulled over and found to have a blood alcohol content (BAC) of 0.08%, you are guilty of driving under the influence (DUI). The penalties for a first-offense DUI in Utah if you are over 19 include a mandatory 120-day suspension of your driver's license.
State Farm offers the cheapest rates to drivers with a DUI on their record.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$122 |
|||
|
Farm Bureau |
$139 |
|||
|
Progressive |
$155 |
|||
|
American Family |
$184 |
|||
|
Allstate |
$267 |
|||
|
Farmers |
$300 |
|||
|
Auto-Owners |
$304 |
|||
|
GEICO |
$355 |
|||
|
USAA* |
$172 |
|||
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest car insurance for senior drivers: Allstate
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 find the cheapest rates at State Farm, Auto-Owners and Farm Bureau.
If you're a veteran or you have a family member who is a veteran, USAA delivers affordable and personalized car insurance coverage.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$104 |
|||
|
Auto-Owners |
$116 |
|||
|
Farm Bureau |
$119 |
|||
|
Progressive |
$122 |
|||
|
American Family |
$141 |
|||
|
GEICO |
$176 |
|||
|
Farmers |
$209 |
|||
|
Allstate |
$211 |
|||
|
USAA |
$88 |
|||
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest car insurance for young drivers: Farm Bureau
If you're looking for a full-coverage policy, the cheapest rates for teen drivers can be found with Farm Bureau and State Farm, at a monthly rate of $341 and $359, respectively.
| Insurance company | Minimum coverage | Full coverage | ||
|---|---|---|---|---|
|
Farm Bureau |
$164 |
$341 |
||
|
State Farm |
$187 |
$359 |
||
|
Auto-Owners |
$193 |
$319 |
||
|
American Family |
$283 |
$452 |
||
|
GEICO |
$284 |
$562 |
||
|
Progressive |
$301 |
$685 |
||
|
Allstate |
$366 |
$729 |
||
|
Farmers |
$524 |
$905 |
||
|
USAA |
$219 |
$119 |
||
| Rates are for an 18-year-old male with a clean driving record. *USAA is only available to current and former members of the military and their families. |
||||
Cheapest car insurance for married drivers: State Farm
Married drivers pay the cheapest rates in Utah with State Farm and Progressive, at an average rate of $141 a month. This is 3% lower than Utah’s average full-coverage rate for singles of $145 a month. Car insurance providers tend to view married drivers as a lower risk, and this is reflected in their rates.
| Insurance company | Monthly rate | |||
|---|---|---|---|---|
|
State Farm |
$111 |
|||
|
Progressive |
$111 |
|||
|
Auto-Owners |
$115 |
|||
|
Farm Bureau |
$121 |
|||
|
American Family |
$132 |
|||
|
Allstate |
$190 |
|||
|
GEICO |
$200 |
|||
|
Farmers |
$210 |
|||
|
USAA |
$81 |
|||
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *USAA is only available to current and former members of the military and their families. |
||||
Utah car insurance: FAQs
State Farm offers the cheapest car insurance in many of our driver categories, including good drivers, drivers with an at-fault drivers accident and married drivers.
Utah drivers can expect to pay an average of $83 per month for state-minimum required car insurance, which is just slightly higher than the national average. For full-coverage car insurance, the average cost in Utah is $145 a month.
- 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
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Utah.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
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