Who Has the Cheapest Car Insurance Quotes in Utah? (2024)
Auto-Owners has the best cheap car insurance in Utah, at $114 per month for full coverage and $51 per month for liability only.
Find Cheap Auto Insurance Quotes in Utah
Best cheap car insurance in Utah
To determine the best cheap insurance in Utah, ValuePenguin compared quotes from top companies across every ZIP code in the state.
Quotes for minimum coverage meet the UT state minimum requirements of $25,000 in bodily injury liability coverage per person and $65,000 per accident, $15,000 in property damage protection and $3,000 in personal injury protection. Full coverage quotes include higher liability limits than the state minimums, along with comprehensive and collision protection.
Our experts also rated the best auto insurance in Utah based on cost, coverage availability, customer service reviews and convenience.
Cheapest car insurance in Utah: Auto-Owners
Auto-Owners has the cheapest full coverage car insurance in Utah.
At $114 per month, full coverage from Auto-Owners is $74 less expensive than the Utah state average. The average cost of car insurance in Utah is $188 per month for full coverage.
Find Cheap Auto Insurance Quotes in Utah
Utah drivers with military connections can also find cheap quotes at USAA. Full coverage from USAA costs $104 per month, which is $10 per month less than Auto-Owners.
However, only military members, veterans and their families can buy insurance from USAA.
Cheapest insurance companies in Utah for full coverage
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $114 |
| Progressive | $129 |
| American Family | $147 |
| Geico | $196 |
| Allstate | $209 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Utah for liability only: Auto-Owners
Auto-Owners has the cheapest minimum-coverage car insurance in Utah, at $51 per month.
That's 38% cheaper than the statewide average, which is $82 per month.
Those who are eligible should also get car insurance quotes from USAA. It's the cheapest company in Utah, at $41 per month. But, it's only available for military members, veterans and their families.
Best cheap auto insurance in Utah
Company | Monthly rate |
|---|---|
| Auto-Owners | $51 |
| Farm Bureau | $52 |
| Progressive | $68 |
| American Family | $86 |
| Geico | $92 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Utah
Cheapest quotes for teens: Farm Bureau & Auto-Owners
Farm Bureau has the cheapest minimum coverage rates in Utah young drivers.
Farm Bureau costs around $149 per month for minimum coverage for an 18-year-old in Utah. That's $128 per month cheaper than the Utah average, which is $276 per month. However, full coverage from Farm Bureau is very expensive for young drivers.
Auto-Owners has the cheapest full coverage rates for Utah teens. At $376 per month, full coverage from Auto-Owners is $240 less than the state average of $616 per month.
Best cheap Utah auto insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $149 | $795 |
| Auto-Owners | $194 | $376 |
| Progressive | $243 | $638 |
| American Family | $260 | $447 |
| Geico | $269 | $544 |
The average 18-year-old in Utah pays more than three times more for car insurance than a 30-year-old driver. That's because new drivers are more likely to be in a car accident.
After comparing rates from multiple companies, you might still find that your quotes aren't affordable. Young drivers in Utah can save money on car insurance by:
- Sharing a policy with their parents. Having a combined insurance policy with your parents is usually much less expensive than buying two separate policies.
- Asking about potential discounts. You could save with discounts for getting good grades, taking safe driving classes and having a safe car.
- Getting rid of unnecessary coverage. If you have an older car that's not worth much, you might not need collision and comprehensive coverage. And you may not need roadside assistance if you have a brand new car because the warranty typically covers that.
Cheapest Utah insurance after a ticket: Auto-Owners
Auto-Owners has the cheapest car insurance quotes in Utah after a speeding ticket. Full coverage from Auto-Owners costs $114 per month after one ticket. That's half as much as most Utah drivers pay after one ticket. It's also $51 per month less than the second-cheapest company, Progressive.
Company | Monthly rate |
|---|---|
| Auto-Owners | $114 |
| Progressive | $165 |
| American Family | $188 |
| State Farm | $226 |
| Allstate | $232 |
Cheap Utah car insurance quotes after an accident: Auto-Owners
Auto-Owners is the cheapest insurance company in Utah after an at-fault accident. At $188 per month, full coverage from Auto-Owners is $99 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Auto-Owners | $188 |
| Progressive | $196 |
| American Family | $234 |
| State Farm | $246 |
| Allstate | $300 |
The average cost of car insurance in Utah goes up by 52% after an accident. That's an average increase of $98 per month for a full coverage policy.
Having an accident on your driving record shows insurance companies you might be a risky driver. But not all companies raise rates by the same amount. For example, State Farm only raises rates by 17% after a crash, while Geico's rates go up by 89%.
Best quotes for UT teens after a ticket or accident: Farm Bureau
Farm Bureau has the most affordable car insurance in Utah for young drivers after a speeding ticket or accident.
Minimum coverage from Farm Bureau costs $169 per month after a ticket, and $232 per month after an accident. That's 47% and 39% cheaper than the state average for an 18-year-old, respectively.
Cheapest insurance in Utah for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $169 | $232 |
| Auto-Owners | $194 | $299 |
| Progressive | $256 | $277 |
| American Family | $313 | $429 |
| Geico | $318 | $436 |
Utah car insurance quotes for teens increase by around 15% after a speeding ticket and 37% after an at-fault accident.
Cheapest Utah auto insurance quotes after a DUI: Farm Bureau
Progressive has Utah's cheapest auto insurance rates after a DUI, at $154 per month for full coverage. That's less than half as much as the state average, which is $317 per month.
Cheapest Utah DUI car insurance
Company | Monthly rate |
|---|---|
| Progressive | $154 |
| American Family | $188 |
| Allstate | $283 |
| Auto-Owners | $299 |
| Farm Bureau | $327 |
A DUI in Utah can more than double your insurance rate, depending on the company. Progressive only raises rates by 19%, while Auto-Owners and State Farm both double rates.
You should always compare quotes from multiple companies after a change in your driving record to make sure you get the best rate.
Cheapest quotes in UT for drivers with poor credit: Progressive
Progressive has the best quotes for Utah drivers with poor credit, at $209 per month. That's 43% cheaper than the Utah average, and $54 per month less than the second-best option, American Family.
Best Utah car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $209 |
| American Family | $263 |
| Auto-Owners | $307 |
| Geico | $361 |
| Allstate | $369 |
Drivers with poor credit pay nearly twice as much for auto insurance in Utah than drivers with good credit.
Credit ratings don't affect your ability to drive safely. But, insurance companies have found that drivers with lower credit scores tend to file more insurance claims.
Best car insurance in Utah
USAA is the best company for Utah drivers, based on its excellent customer service and cheap quotes.
However, USAA is only available to military members, veterans and some of their family members.
State Farm, Farm Bureau and Auto-Owners are also some of the best Utah car insurance companies. All three companies have reliable customer service, along with some of the most affordable rates in the state.
Best insurance companies in Utah
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Auto-Owners | 837 | A++ | |
| Geico | 835 | A++ |
Utah drivers looking for cheap car insurance shouldn't focus on cost alone.
You should choose a company with a mix of affordable rates and dependable customer service. After a car accident, you don't want a long or frustrating claims process that could delay getting your car fixed.
Average car insurance cost in Utah by city
Moab, a rural town near Arches National Park, has the cheapest car insurance quotes in Utah, at $165 per month for full coverage.
The most expensive city in the state for insurance is West Valley City, a suburb of Salt Lake City, at $218 per month.
Utah car insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Alpine | $195 | 3% |
| Altamont | $183 | -3% |
| Alton | $174 | -8% |
| Altonah | $185 | -2% |
| American Fork | $193 | 2% |
Average insurance prices in Utah may range by $53 per month for full coverage. Factors like road quality, car theft rates and traffic congestion can change your insurance rates, depending on where you live.
Minimum car insurance requirements in Utah
Drivers in Utah must have a minimum amount of bodily injury and property damage liability insurance. This requirement is often written as 25/65/15.
You must also have a small amount of personal injury protection (PIP) insurance, which helps pay for your own injuries after an accident.
- Bodily injury liability: $25,000 per person and $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection: $3,000 per accident
In Utah, PIP coverage contains two parts:
- A $3,000 limit covering necessary medical expenses and rehab after an accident. If someone covered under the policy dies in an accident, the $3,000 coverage will be given to their heirs.
-
A $1,500 funeral allowance if your passenger dies from the accident.
What's the best car insurance to get in Utah?
Full coverage car insurance in Utah costs an average of $106 per month more than minimum liability coverage. That's because liability insurance only covers injury to others and damage to their property if you cause an accident.
Full coverage insurance includes comprehensive and collision insurance, which pays for damage to your own car.
It also typically has higher liability limits than the state requirements. That's important in Utah, where the state requirements may not be high enough to cover the cost of a major accident.
For example, Utah only requires $15,000 of property damage liability. But if you crash into a brand new or expensive car, that probably won't be enough to replace it.
Most lenders require you to have full coverage insurance if you have a car loan or lease. You should also consider a full coverage policy if your car is less than eight years old or worth more than $5,000.
Frequently asked questions
What is the cheapest auto insurance in Utah?
Auto-Owners has the cheapest full coverage quotes in Utah, at $114 per month. It also has the most affordable minimum coverage rates, at $51 per month.
How much is car insurance per month in Utah?
The average price for a full coverage policy in Utah is $188 per month. Minimum coverage car insurance costs an average of $82 per month.
What insurance is required in Utah?
You're required to have $25,000/$65,000 of bodily injury liability and $15,000 in property damage coverage in Utah. You also need at least $3,000 of personal injury protection, as Utah is a no-fault state.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Utah for the state's largest auto insurance companies. Rates are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Full coverage quotes include more liability and PIP than the minimum requirements, as well as comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.