Cheapest auto insurance companies in Utah for minimum coverage
If you only want to fulfill Utah state law requirements and get the cheapest car insurance policy possible, you should get a minimum coverage policy. In Utah, this includes liability insurance and personal injury protection, and the cheapest companies for our sample driver were State Farm, Farm Bureau and Progressive.
On average, a minimum coverage policy in Utah costs $909 per year. These three affordable insurers have an average price of $629 per year.
However, those who are eligible should definitely shop with USAA. It's only available for military members, veterans and their families, but among our sample insurers, it was the cheapest option by far.
Find Cheap Auto Insurance Quotes in Utah
In Utah, minimum coverage requirements include liability insurance and personal injury protection. You should consider purchasing higher liability limits or additional coverage if you have a lot to lose by getting in an accident. This is to ensure that you're fully covered in the event of an accident.
Cheapest company for full coverage: Farm Bureau
Utah residents looking for the cheapest full coverage car insurance policies should start their shopping with Farm Bureau, the most affordable insurer on average.
Progressive, a close second, costs $1,882 per year and is notably more affordable than the rest of our sample group.
Liability insurance only covers damage or injury to others if you're at fault. Comprehensive and collision insurance — part of a full coverage policy — will cover your own car.
Cheap car insurance for drivers with prior incidents
Insurers use a variety of factors to determine your insurance estimates. Notably, they assess your driving history to gather a sense of how "risky" you are. Having an accident or traffic citation history means that you will likely receive higher premium rates than drivers with a clean history.
To illustrate the impact of these types of incidents, we evaluated the cost of a full coverage policy for several driver profiles.
Find Cheap Auto Insurance Quotes in Utah
Cheapest for drivers with an accident: Farm Bureau
Even when our sample driver had an at-fault accident on his record, Farm Bureau — once again — was the cheapest insurer for a full coverage policy, on average.
Having an accident on your driving record indicates that you are risky to insurers. It's no surprise that most insurers raise annual premiums if you've been in an at-fault accident. Farm Bureau, the cheapest option, still penalized our sample driver by raising rates by 55% for an at-fault accident that led to $2,000 in property damage.
Cheapest car insurance for people with a speeding ticket: Farm Bureau
The most inexpensive rates for a driver caught speeding can be found through Farm Bureau, which charges $1,819 per month for a full coverage policy. Drivers looking for alternatives can also find equally inexpensive rates from Progressive.
Cheapest car insurance for drivers with a DUI: Progressive
If you have a prior DUI on your record, you can find the best low-cost rates from Progressive and Farm Bureau.
In Utah, DUIs can result in up to an 80% increase in your insurance premiums depending on who you are insured under. To avoid this massive price bump, it's imperative that you compare rates at multiple companies.
Cheapest car insurance for drivers with poor credit: Progressive
The insurer that offered the best rates for a driver with this background is Progressive. **Farm Bureau is the second most affordable, but its rates are $487 more expensive than Progressive's rates, on average.
ValuePenguin's analysis found that drivers with poor credit tend to pay an average 23% more on auto insurance than drivers with average credit.
Cheapest car insurance for married drivers: Farm Bureau
Married drivers are charged a slightly smaller premium than single drivers. On average, married drivers spend $71 less on car insurance than their unmarried counterparts. If you're a married driver in Utah, you can find the best low cost full policy insurance with Farm Bureau and Progressive.
Cheapest car insurance for young drivers: Farm Bureau
The insurers that offer the cheapest rates for drivers in their teens and 20s are Farm Bureau, Geico and American Family.
However, if you or a family member are a veteran or active military member, we recommend you also reach out to USAA, as they not only have one of the cheapest full coverage policies but also offer exclusive benefits.
Unfortunately for young people, your inexperience comes as a cost. New and young drivers are among the most likely to be involved in a car accident and, as a result, are considered risky investments by insurers.
The average 18-year-old in Utah pays more than two times the cost of a full coverage policy compared to the average 30-year-old.
*USAA is excluded from rankings because it is only available to current and former military members and their families.
After comparing rates from multiple companies, you might still find yourself having to compare almost unaffordable rates. To cut down the cost of your premium, here are a few extra steps you should take:
- Ask your parents if you can join their policy. Having a combined insurance policy with your parents is less expensive than purchasing two different policies.
- Contact insurers about potential discounts Most, if not all, major insurers have a list of discounts they offer drivers. Having discounts for achieving good grades, attending safe driving classes and installing safety devices are common.
Cheapest for young drivers with one accident: Farm Bureau
Young drivers who have been in an accident will likely have a difficult experience shopping for affordable car insurance. To start your comparison, you should look into Farm Bureau, which offers the cheapest rates for young drivers with an accident history. The company charges an average of $6,497 per year — 48% lower than the state average.
Cheapest for young drivers with one speeding ticket: Farm Bureau
Being young with a history of traffic violations are two of the biggest factors that can increase your insurance rates. For drivers with this profile, we recommend contacting Farm Bureau for affordable rates.
Best car insurance companies in Utah
Utah residents looking for cheap car insurance shouldn't focus exclusively on affordability. You should also aim to be covered by an insurer with a stellar customer service reputation. The last thing you want after a car accident is an unsatisfactory claims process.
ValuePenguin conducted a survey and found that the most satisfied customers were insured under Auto-Owners and USAA.
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
Another way you can measure an insurance company's customer service experience by the number of official complaints lodged by its customers.
The National Association of Insurance Commissioners (NAIC) rates customer satisfaction based on a complaint index. A complaint index below 1.0 means that complaints are filed at a lower rate than the median insurance company.
Of these 12 sample insurers, Bear River and Auto-Owners received the lowest number of complaints in proportion to their market share.
2019 NAIC complaint index
2020 J.D. Power Claims Satisfaction
AM Best Rating
Average cost of car insurance in Utah: By city
Compared to the national average, Utah ranks in the middle of the pack for car insurance rates. A minimum coverage policy costs $909 per year on average, while a full-coverage policy costs $2,403 per year.
Within the state, premium costs for auto insurance vary depending on your city. Moab, Thompson and Cisco are among the cheapest cities in Utah while Kearns, West Valley City and Taylorsville.
Average annual cost
Percent from average
Utah rate changes by company
In Utah, auto insurance providers decreased their premiums by 2% in 2020, ending the streak of higher rates observed over the past several years. State Farm showed the most significant drop in premiums, lowering rates 10.5% compared to 2019. A few other insurance providers in Utah opted to reduce their rates as well. Progressive and American Family, for instance, decreased their rates by 7.7% and 1.8%, respectively.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
|State Farm||$ 315.0||-4.2%||-10.5%|
Minimum auto insurance requirements in Utah
Utah drivers looking for the cheapest possible rates can get a minimum coverage policy. This policy only fulfills the requirements mandated by the state of Utah for a car insurance policy.
A minimum coverage policy includes the following coverages and limits:
Although you are not required to purchase above this limit amount, we recommend that you evaluate your coverage needs on an individual basis. Particularly for drivers with new or expensive vehicles, we recommend you shop for policies with additional coverage.
Recap of the cheapest auto insurance in Utah
- Minimum coverage: State Farm
- Full coverage: Farm Bureau
- After an at-fault accident: Farm Bureau
- After a speeding ticket: Farm Bureau
- After a DUI: Progressive
- Poor credit history: Progressive
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: Farm Bureau
- Young drivers with one accident: Farm Bureau
- Young drivers with speeding ticket: Farm Bureau
Frequently asked questions
What is the best price for car insurance in Utah?
We found the best average price for minimum coverage in Utah at State Farm, at $594 per year. Meanwhile, Farm Bureau has the best price for full coverage, at $1,604 annually. Farm Bureau also has great rates for drivers with a prior incident, as well as younger drivers.
How much will I spend on car insurance in Utah?
The average price for a minimum coverage policy in Utah is $909 per year. However, we found much cheaper rates at State Farm and Farm Bureau. Additionally, every driver will get a unique price based on their driving history and what kind of coverage they select.
Why is car insurance so expensive in Utah?
Utah's average insurance price of $2,403 per year for full coverage makes it the 17th-most expensive state for car insurance, and this price is about 11% higher than the national median. Utah has a relatively high level of minimum required insurance coverage, which may contribute to the higher cost of insurance.
What kind of car insurance do I need in Utah?
You're required to have $25,000/$60,000 of bodily injury liability and $15,000 in property damage coverage in Utah. The minimum limits are on the high side in Utah compared to other states. In addition, you need at least $3,000 of personal injury protection, as Utah is a no-fault state.
We collected thousands of rates from ZIP codes across Utah for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Utah, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.