Who Has the Cheapest Car Insurance Quotes in Utah? (2022)
Who Has the Cheapest Car Insurance Quotes in Utah? (2022)
Farm Bureau has the best cheap car insurance in Utah, at $574 per year, or $48 per month, for minimum liability quotes.
Best cheap car insurance in Utah
To determine the best cheap car insurance in Utah, our editorial team compared quotes from top companies across every ZIP code in the state. Quotes for minimum coverage meet the Utah 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 of personal injury protection. Full coverage quotes include higher liability limits than the state minimums, along with comprehensive and collision protection.
Additionally, we rated the best auto insurance companies in Utah based on affordability for different drivers, coverage availability, customer service reviews and convenience.
The average cost of car insurance in Utah is $793 per year, or $66 per month, for minimum liability.
Cheapest car insurance quotes in Utah: Farm Bureau
Farm Bureau offers the cheapest minimum-coverage car insurance in Utah, followed by Auto-Owners and State Farm. Farm Bureau's rate of $574 per year is 28% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Utah
Those who are eligible should also get car insurance quotes from USAA. It's only available for military members, veterans and their families, but it is the cheapest company by far.
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $48 |
| Auto-Owners | $48 |
| State Farm | $62 |
| Progressive | $64 |
| Geico | $64 |
USAA is only available to current and former military members and their families.
If you only want to meet Utah state law requirements and get the cheapest car insurance policy possible, you should get a minimum-coverage policy. In Utah, minimum-coverage requirements include liability insurance and personal injury protection. You should consider purchasing higher liability limits or additional coverage to ensure you're fully protected after an accident.
Cheapest full-coverage car insurance in Utah: Auto-Owners
Auto-Owners has the cheapest full-coverage car insurance in Utah, at $111 per month. Progressive, a close second, is only $11 more per month, just a little more expensive than Farm Bureau.
Company | Monthly rate |
|---|---|
| Auto-Owners | $111 |
| Progressive | $122 |
| Farm Bureau | $124 |
| State Farm | $131 |
| Geico | $152 |
USAA is only available to current and former military members and their families.
Full coverage car insurance costs $1,710 per year or $143 per month on average.
Liability insurance only covers damage or injury to others if you're at fault. Comprehensive and collision insurance — part of a full-coverage policy — covers damage to your own car.
Cheapest car insurance for drivers with prior incidents
Insurance companies use a variety of factors to determine your insurance estimates, including your driving history. Having an accident or ticket means you'll likely receive higher quotes than drivers with a clean driving history.
Find Cheap Auto Insurance Quotes in Utah
Cheapest car insurance quotes with a ticket: Auto-Owners
Auto-Owners has the cheapest car insurance rates for a driver caught speeding, at $1,326 per year for a full-coverage policy. That's $363 per year less than Farm Bureau, the second-cheapest company.
Company | Monthly rate |
|---|---|
| Auto-Owners | $111 |
| Farm Bureau | $141 |
| State Farm | $143 |
| Progressive | $148 |
| Allstate | $187 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
State Farm is the cheapest insurance company in Utah after an at-fault accident. State Farm's rate, $1,870 per year, is $764 cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $156 |
| Auto-Owners | $174 |
| Farm Bureau | $192 |
| Progressive | $225 |
| Allstate | $243 |
*USAA is only available to current and former military members and their families.
Having an accident on your driving record indicates risky driving behavior to insurers. That means most insurance companies raise your premium if you've caused a car crash — by an average 54% in Utah. State Farm is the cheapest option, only raising rates by 19% after an at-fault accident.
Cheapest car insurance quotes after a DUI: Progressive
If you have a prior DUI on your record, you can find the best rates from Progressive and Farm Bureau.
In Utah, DUIs can cause your insurance rate to nearly triple, depending on the company. To limit this massive price bump, it's important to compare quotes from multiple companies.
Company | Monthly rate |
|---|---|
| Progressive | $134 |
| Farm Bureau | $141 |
| American Family | $203 |
| Allstate | $230 |
| Geico | $283 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: Progressive
Progressive has the best quotes for drivers with poor credit. Farm Bureau is the second-most affordable, but its rates are $529 more expensive than Progressive.
Drivers with poor credit tend to pay an average 76% more for auto insurance in Utah than drivers with average credit. Although credit ratings don't correlate with driving ability, insurers have found that drivers with lower credit scores tend to file more claims.
Company | Monthly rate |
|---|---|
| Progressive | $183 |
| Farm Bureau | $228 |
| Geico | $241 |
| Auto-Owners | $255 |
| American Family | $258 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in Utah: Farm Bureau
Farm Bureau has the cheapest rates in Utah for 18-year-old drivers by a considerable margin. Its annual rates of $1,421 per year for minimum coverage and $3,563 per year for full coverage are at least 26% cheaper than the next-cheapest quotes.
Unfortunately for young people, 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 three times the cost of a minimum-coverage policy compared to the average 30-year-old.
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $118 | $297 |
| Geico | $180 | $411 |
| State Farm | $203 | $405 |
| Auto-Owners | $203 | $402 |
| Allstate | $231 | $564 |
*USAA is only available to current and former military members and their families.
After comparing rates from multiple companies, you might still find that your quotes aren't affordable. To cut down the cost of your premium:
- Ask your parents if you can join their policy. Having a combined insurance policy with your parents is usually considerably less expensive than purchasing two separate policies.
- Ask insurers about potential discounts. Getting discounts for getting good grades, attending safe driving classes and having a safe car are common ways to save.
- Cut coverage you don't need. If you have a beater car that's not worth much, you might not need collision and comprehensive coverage. And you won't need roadside assistance if you have a brand-new car because that's typically covered by the warranty.
Cheapest car insurance for teen drivers after a ticket: Farm Bureau
Farm Bureau is Utah's cheapest option for young drivers after a speeding ticket. The annual rate of $1,614 per year is 34% cheaper than the next-cheapest insurer.
Company | Monthly rate |
|---|---|
| Farm Bureau | $135 |
| Auto-Owners | $203 |
| Geico | $212 |
| State Farm | $225 |
| Allstate | $264 |
*USAA is only available to current and former military members and their families.
Cheapest auto insurance for young drivers after an accident: Farm Bureau
Eighteen-year-olds should look into Farm Bureau for the cheapest rates after an accident. The company charges an average $2,457 per year — 34% lower than the state average.
Young drivers who have been in an accident may have a difficult experience shopping for affordable car insurance. That makes it more important to compare rates from multiple companies.
Company | Monthly rate |
|---|---|
| Farm Bureau | $205 |
| State Farm | $248 |
| Allstate | $285 |
| Geico | $290 |
| Auto-Owners | $299 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for married drivers: Progressive
If you're a married driver in Utah, you can find the cheapest full-coverage insurance with Progressive. The company reduces its rate by $188 per year for married drivers.
Married drivers are typically charged a slightly cheaper quotes than single drivers. On average, married drivers spend 6% less per year on car insurance.
Company | Monthly rate |
|---|---|
| Progressive | $106 |
| Auto-Owners | $111 |
| Farm Bureau | $122 |
| State Farm | $131 |
| Geico | $138 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Utah
State Farm is the best company for drivers in Utah, based on strong customer service scores. Auto-Owners and Farm Bureau are also some of the best Utah car insurance companies.
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 a long or frustrating claims process.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 847 | A++ | |
| Auto-Owners | 845 | A++ | |
| Farm Bureau | NR | A+ | |
| American Family | 850 | A | |
| Geico | 829 | A++ | |
| Farmers | 802 | A | |
| Progressive | 835 | A+ | |
| Allstate | 822 | A+ | |
| USAA | 863 | A++ |
Average car insurance cost in Utah by city
Moab has the cheapest car insurance quotes in Utah, at an average $1,538 per year for full coverage. The most expensive city in the state for insurance is Kearns, at $2,007 per year.
A range of factors, including road quality, auto theft rates and traffic density, can change your insurance rates, depending on where you live. Average insurance prices in Utah may range by $469 per year.
City | Average monthly cost | Percent from average |
|---|---|---|
| Alpine | $150 | 5% |
| Altamont | $140 | -2% |
| Alton | $133 | -6% |
| Altonah | $140 | -2% |
| American Fork | $149 | 4% |
Minimum auto insurance requirements in Utah
Utah drivers looking for the cheapest possible quotes 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:
Coverage | UT minimum limits |
|---|---|
| $25,000 per person / $65,000 per accident | |
| $15,000 per accident | |
| $3,000 per accident |
In Utah, PIP coverage contains two parts: a $3,000 limit covering necessary medical expenses and subsequent rehab benefits as needed, and a $1,500 funeral allowance in case a covered person dies from the accident. If a covered person, such as the policyholder and his or her family members under the same roof, passes away due to injuries from the accident, the $3,000 coverage will instead be given to the heirs of the deceased per Utah's laws.
Although you are not required to purchase higher limits than the state requires, we recommend that drivers with new or expensive vehicles shop for policies with additional protection, like collision and comprehensive coverage.
Recap of the cheapest auto insurance quotes in Utah
- Minimum coverage: Farm Bureau
- Full coverage: Auto-Owners
- After a speeding ticket: Auto-Owners
- After an at-fault accident: State Farm
- After a DUI: Progressive
- Poor credit history: Progressive
- Married drivers: Progressive
- Young drivers: Farm Bureau
- Young drivers after a ticket: Farm Bureau
- Young drivers after an accident: 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 from Farm Bureau, at $574 per year. Auto-Owners has the best price for full coverage, at $1,326 annually. Progressive also has great rates for drivers with a ticket or accident on their driving record.
How much will I spend on car insurance in Utah?
The average price for a minimum-coverage policy in Utah is $793 per year. However, we found much cheaper rates from Farm Bureau and Auto-Owners. Additionally, every driver will get a unique price based on their driving history and what kind of coverage they select.
How much is car insurance in Utah per month?
The average monthly cost of car insurance in Utah is $66 for a minimum-coverage policy and $143 for full coverage.
Why is car insurance so expensive in Utah?
Utah's average insurance price of $1,710 per year for full coverage actually makes it the 18th-cheapest state for car insurance.
What kind of car insurance do I need in Utah?
You're required to have $25,000/$65,000 of bodily injury liability and $15,000 in property damage coverage in Utah. In addition, you need at least $3,000 of personal injury protection, as Utah is a no-fault state.
Methodology
We collected thousands of rates from ZIP codes across Utah for the state's largest insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Utah. The base policy for the study was a full-coverage policy:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For other rates analyses (credit score, incident and accident history and marital status), the base policy was changed to reflect the new driver. Rates for young drivers are for minimum coverage.
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.
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.