Best Cheap Car Insurance Rates in Utah
Best Cheap Car Insurance Rates in Utah
Find Cheap Auto Insurance Quotes in Utah
The average cost of a minimum coverage car insurance policy in Utah is $1,105 per year. The biggest factor affecting auto insurance quotes in Utah is the insurance company you pick, with rates between our cheapest and most expensive sample insurers differing by over one thousand dollars.
Utah car insurance rates also change depending on location, driver profile and other factors. Read on for your recommendations for the cheapest and best car insurance companies in Utah from Salt Lake City to St. George.
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:
- Farm Bureau Mutual
- Progressive
- GEICO
On average, a minimum coverage policy in Utah costs $1,105 per year. These three affordable insurers have an average price of $816 per year.
Find Cheap Auto Insurance Quotes in Utah
Drivers should note that a Utah Farm Bureau membership costs $72 per year. But even adding the membership fee (not included in our price data), it's the cheapest widely available option for our sample driver.
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.
In Utah, minimum coverage requirements include liability insurance and personal injury protection. You should consider purchasing liability limits approximating your net worth so you're fully covered in the event that you're at-fault for an accident. Depending on that number, a minimum coverage policy may not adequately cover you.
The table below ranks the cost of a minimum coverage policy for all our sample insurers, from cheapest to most expensive. Your own rates may vary greatly, but you should always shop among multiple insurers to find the cheapest policy.
| Rank | Company | Annual premium |
|---|---|---|
| 1 | Farm Bureau Mutual | $610 |
| 2 | Progressive | $896 |
| 3 | GEICO | $941 |
| 4 | Auto-Owners Insurance Co | $1,059 |
| 5 | State Farm | $1,123 |
| 6 | Allstate | $1,248 |
| 7 | American Family | $1,735 |
| 8 | Farmers | $1,851 |
| N/A | USAA | $481 |
Cheapest full-coverage car insurance in Utah: Farm Bureau Mutual
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.
Utah residents looking for the cheapest full coverage car insurance policies should start their shopping with Farm Bureau Mutual, the most affordable insurer on average.
The average cost of a full coverage policy in Utah was $2,538 per year. The following three insurers gave our Utah sample driver the biggest savings:
- Farm Bureau Mutual charged our driver $1,624 per year for a full coverage policy. Even with the $72 annual membership fee, it was easily the cheapest option.
- A Progressive policy was $1,882 per year, a close second and notably more affordable than the rest of our sample group.
- State Farm was a distant third, charging our driver $2,359 per year.
Cheapest full-coverage car insurance in Utah after an accident: Farm Bureau Mutual
If you're a Utah driver who has a bunch of speeding tickets or has caused an accident, your car insurance will cost more than if you had a clean record.
Even when our sample driver had an at-fault accident on his record, Farm Bureau Mutual—once again—was the cheapest insurer in the state, on average.
The Utah Farm Bureau increased our driver's rates by 55% for having an accident history, a hefty penalty, but not large enough to unseat it as the most affordable company.
The insurer that penalized our driver the least was American Family, which only increased rates by 1% for an at-fault accident causing $2,000 in property damage.
| Rank | Company | Rate after accident | Rate before accident | Difference |
|---|---|---|---|---|
| 1 | Farm Bureau Mutual | $2,512 | $1,624 | $888 |
| 2 | State Farm | $2,828 | $2,359 | $468 |
| 3 | American Family | $2,925 | $2,889 | $37 |
| 4 | Progressive | $3,718 | $1,882 | $1,836 |
| 5 | GEICO | $3,803 | $2,393 | $1,410 |
| 6 | Allstate | $4,377 | $3,026 | $1,351 |
| 7 | Auto-Owners Insurance Co | $5,249 | $2,709 | $2,540 |
| 8 | Farmers | $6,583 | $4,609 | $1,974 |
| N/A* | USAA | $1,836 | $1,354 | $482 |
Best car insurance companies in Utah
Utahns 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.
You can measure an insurance company's customer service experience by the number of official complaints lodged by its customers.
Based on customer complaint data collected by the National Association of Insurance Commissioners, the major insurers in Utah with the lowest rate of customer complaints are:
- Bear River Mutual
- Farmers Insurance
- State Farm
The companies with the worst reputation were Liberty Mutual, USAA and Progressive.
Utah drivers looking for a good blend of affordability and quality service should take a look at State Farm. It has one of the lower rates of customer complaints in the state and has some of the most affordable full coverage policies on the market.
| Rank | Company | Market share | Complaint index |
|---|---|---|---|
| 1 | Bear River Mutual Insurance | 5.4% | 0 |
| 2 | Farmers Insurance | 8.0% | 0.46 |
| 3 | State Farm | 13.4% | 0.57 |
| 4 | GEICO | 8.5% | 0.62 |
| 5 | Farm Bureau Financial | 2.4% | 0.66 |
| 6 | Auto-Owners Insurance | 3.6% | 0.67 |
| 7 | Allstate | 9.8% | 0.69 |
| 8 | American Family Insurance | 4.2% | 0.7 |
| 9 | Progressive | 8.7% | 0.91 |
| 10 | USAA | 4.3% | 1.14 |
| 11 | Liberty Mutual | 4.5% | 1.18 |
However, many Utah drivers are happy with their companies' customer service experience. A complaint index below 1.0 means that complaints are filed at a lower rate than the median insurance company. Of these 11 sample insurers, only USAA and Liberty Mutual have a complaint index above 1.0, suggesting poor service.
Minimum auto insurance requirements in Utah
Utah drivers looking for the cheapest possible rates can get a minimum coverage policy. This is a policy that 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:
- $25,000 per person/$65,000 per accident of bodily injury liability
- $15,000 of property damage liability per incident
- $3,000 personal injury protection (PIP) per person
Cheapest car insurance rates: By city
Besides your insurance company and driving history, one of the biggest determinants of your car insurance quotes is where you live. We found that the difference in auto insurance rates between locations could be almost $700 per year for an identical full-coverage policy.
In Utah, although costs may differ from location to location, insurers are quite consistent in how their rates change. As a result, the cheapest companies at a state level are often the cheapest in any given city: USAA, Farm Bureau Mutual and Progressive. For our sample driver, USAA was consistently the cheapest option.
| City | Company | Annual premium |
|---|---|---|
| Alpine | USAA | $1,459 |
| Farm Bureau Mutual | $1,695 | |
| Progressive | $1,785 | |
| American Fork | USAA | $1,395 |
| Farm Bureau Mutual | $1,666 | |
| Progressive | $1,947 | |
| Bluffdale | USAA | $1,401 |
| Farm Bureau Mutual | $1,672 | |
| Progressive | $2,043 | |
| Bountiful | USAA | $1,310 |
| Farm Bureau Mutual | $1,659 | |
| Progressive | $2,051 | |
| Brigham City | USAA | $1,379 |
| Farm Bureau Mutual | $1,491 | |
| Progressive | $1,771 | |
| Cedar City | USAA | $1,278 |
| Farm Bureau Mutual | $1,422 | |
| Progressive | $1,720 | |
| Cedar Hills | USAA | $1,395 |
| Farm Bureau Mutual | $1,703 | |
| Progressive | $1,999 | |
| Centerville | USAA | $1,310 |
| Farm Bureau Mutual | $1,533 | |
| Progressive | $1,940 | |
| Clearfield | USAA | $1,204 |
| Farm Bureau Mutual | $1,683 | |
| Progressive | $1,920 | |
| Cottonwood Heights | USAA | $1,459 |
| Farm Bureau Mutual | $1,745 | |
| Progressive | $2,082 | |
| Draper | USAA | $1,457 |
| Farm Bureau Mutual | $1,758 | |
| Progressive | $1,918 | |
| Eagle Mountain | USAA | $1,391 |
| Farm Bureau Mutual | $1,819 | |
| Progressive | $2,050 | |
| Farmington | USAA | $1,348 |
| Farm Bureau Mutual | $1,548 | |
| Progressive | $1,894 | |
| Grantsville | USAA | $1,302 |
| Farm Bureau Mutual | $1,567 | |
| Progressive | $1,784 | |
| Heber | USAA | $1,426 |
| Farm Bureau Mutual | $1,689 | |
| Progressive | $2,067 | |
| Herriman | USAA | $1,401 |
| Farm Bureau Mutual | $1,750 | |
| Progressive | $1,799 | |
| Holladay | USAA | $1,481 |
| Farm Bureau Mutual | $1,868 | |
| Progressive | $2,212 | |
| Hooper | USAA | $1,306 |
| Farm Bureau Mutual | $1,662 | |
| Progressive | $1,967 | |
| Hurricane | USAA | $1,364 |
| Farm Bureau Mutual | $1,472 | |
| Progressive | $2,057 | |
| Hyrum | USAA | $1,264 |
| Farm Bureau Mutual | $1,483 | |
| Progressive | $1,743 | |
| Ivins | USAA | $1,364 |
| Farm Bureau Mutual | $1,501 | |
| Progressive | $1,909 | |
| Layton | USAA | $1,304 |
| Farm Bureau Mutual | $1,648 | |
| Progressive | $1,877 | |
| Lehi | USAA | $1,395 |
| Farm Bureau Mutual | $1,683 | |
| Progressive | $1,786 | |
| Lindon | USAA | $1,390 |
| Farm Bureau Mutual | $1,747 | |
| Progressive | $2,002 | |
| Logan | USAA | $1,268 |
| Farm Bureau Mutual | $1,430 | |
| Progressive | $1,504 | |
| Mapleton | USAA | $1,372 |
| Farm Bureau Mutual | $1,720 | |
| Progressive | $2,213 | |
| Midvale | USAA | $1,436 |
| Farm Bureau Mutual | $1,800 | |
| Progressive | $1,974 | |
| Millcreek | USAA | $1,487 |
| Farm Bureau Mutual | $1,885 | |
| Progressive | $2,228 | |
| North Salt Lake | USAA | $1,310 |
| Farm Bureau Mutual | $1,729 | |
| Progressive | $1,903 | |
| Ogden | USAA | $1,400 |
| Farm Bureau Mutual | $1,732 | |
| Progressive | $2,074 | |
| Orem | USAA | $1,390 |
| Farm Bureau Mutual | $1,739 | |
| Progressive | $2,011 | |
| Park City | USAA | $1,316 |
| Farm Bureau Mutual | $1,636 | |
| Progressive | $2,006 | |
| Provo | USAA | $1,397 |
| Farm Bureau Mutual | $1,740 | |
| Progressive | $1,966 | |
| Riverdale | USAA | $1,395 |
| Farm Bureau Mutual | $1,651 | |
| Progressive | $1,965 | |
| Roy | USAA | $1,306 |
| Farm Bureau Mutual | $1,693 | |
| Progressive | $2,002 | |
| Salem | USAA | $1,437 |
| Farm Bureau Mutual | $1,661 | |
| Progressive | $1,731 | |
| Salt Lake City | USAA | $1,494 |
| Farm Bureau Mutual | $1,922 | |
| Progressive | $2,346 | |
| Sandy | USAA | $1,427 |
| Farm Bureau Mutual | $1,720 | |
| Progressive | $1,828 | |
| Saratoga Springs | USAA | $1,365 |
| Farm Bureau Mutual | $1,727 | |
| Progressive | $2,088 | |
| Smithfield | USAA | $1,264 |
| Farm Bureau Mutual | $1,507 | |
| Progressive | $1,792 | |
| South Jordan | USAA | $1,483 |
| Farm Bureau Mutual | $1,738 | |
| Progressive | $1,817 | |
| South Salt Lake | USAA | $1,573 |
| Farm Bureau Mutual | $2,056 | |
| Progressive | $2,441 | |
| Springville | USAA | $1,372 |
| Farm Bureau Mutual | $1,727 | |
| Progressive | $2,215 | |
| St. George | USAA | $1,364 |
| Farm Bureau Mutual | $1,534 | |
| Progressive | $1,902 | |
| Syracuse | USAA | $1,315 |
| Farm Bureau Mutual | $1,602 | |
| Progressive | $1,831 | |
| Taylorsville | USAA | $1,542 |
| Farm Bureau Mutual | $1,897 | |
| Progressive | $2,097 | |
| Tremonton | USAA | $1,379 |
| Farm Bureau Mutual | $1,528 | |
| Progressive | $1,849 | |
| Washington | USAA | $1,362 |
| Farm Bureau Mutual | $1,511 | |
| Progressive | $1,896 | |
| West Jordan | USAA | $1,483 |
| Farm Bureau Mutual | $1,835 | |
| Progressive | $2,015 | |
| West Valley City | USAA | $1,571 |
| Farm Bureau Mutual | $2,034 | |
| Progressive | $2,384 |
To provide a deeper look at how auto insurance rates change by location, we analyzed premiums by company for the five biggest cities in Utah:
Areas with denser populations tend to have higher car insurance rates due to the increased likelihood of an accident. It's no surprise that these five cities, all of which are populous and in the vicinity of Salt Lake City — have some of the highest rates in the state.
Auto insurance in Salt Lake City
- Average annual cost = $2,929
- 15% more expensive than Utah average
The capital city is also the fourth most expensive in Utah for car insurance. USAA and Farm Bureau Mutual, the two cheapest options, raised rates by 10% and 18%, respectively, compared to their state average.
Auto insurance in West Valley City, Utah
- Average annual cost = $3,028
- 19% more expensive than Utah average
West Valley City is the most expensive place in the state for car insurance. Two insurers — State Farm and Progressive — charge 26% more here than they do for Utah as a whole. Shoppers looking for savings should start their search with USAA and Farm Bureau Mutual, the only companies charging $2,000 or less.
Auto insurance in Provo, Utah
- Average annual cost = $2,704
- 7% more expensive than Utah average
Compared to these other big cities, Provo is reasonably affordable; though it's still expensive by state standards. In fact, car insurance with GEICO and Farmers is the same or cheaper than it is elsewhere in the state. However, USAA is still the cheapest option.
Auto insurance in West Jordan, Utah
- Average annual cost = $2,850
- 12% more expensive than Utah average
A suburb of Salt Lake City, West Jordan has similarly expensive car insurance rates. On average, the most expensive insurers in West Jordan are Farmers, Allstate and American Family, which is true for most of the state.
Auto insurance in Orem, Utah
- Average annual cost = $2,770
- 9% more expensive than Utah average
Orem is one of the more expensive cities in Utah for auto insurance, but some insurers only raise rates minimally. USAA, GEICO and Farmers Insurance all charge only 3% more or less than they do in the rest of Utah.
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 $1,105 per year on average, while a full-coverage policy costs $2,538 per year.
These rates represent the average for a sample driver from multiple companies across hundreds of zip codes. Your rates may differ depending on your age, driver profile and other factors, but they do provide a general guide for how rates may change.
Below we've ranked the 50 biggest cities in the state (for which data were available) from cheapest to most expensive. West Valley City was the most expensive city in Utah for car insurance, while Cedar City was the cheapest.
| Rank | City | Average annual premium |
|---|---|---|
| 1 | Cedar City | $2,335 |
| 2 | Hurricane | $2,372 |
| 3 | Logan | $2,377 |
| 4 | Brigham City | $2,393 |
| 5 | St. George | $2,395 |
| 6 | Washington | $2,405 |
| 7 | Hyrum | $2,424 |
| 8 | Ivins | $2,429 |
| 9 | Smithfield | $2,436 |
| 10 | Tremonton | $2,499 |
| 11 | Syracuse | $2,502 |
| 12 | Farmington | $2,508 |
| 13 | Grantsville | $2,521 |
| 14 | Hooper | $2,531 |
| 15 | Centerville | $2,538 |
| 16 | Layton | $2,544 |
| 17 | Riverdale | $2,554 |
| 18 | Clearfield | $2,562 |
| 19 | Roy | $2,588 |
| 20 | Ogden | $2,592 |
| 21 | Salem | $2,593 |
| 22 | Park City | $2,598 |
| 23 | Bountiful | $2,606 |
| 24 | Lehi | $2,612 |
| 25 | Heber | $2,640 |
| 26 | Saratoga Springs | $2,648 |
| 27 | Eagle Mountain | $2,675 |
| 28 | Mapleton | $2,676 |
| 29 | American Fork | $2,683 |
| 30 | Springville | $2,693 |
| 31 | Cedar Hills | $2,696 |
| 32 | North Salt Lake | $2,698 |
| 33 | Herriman | $2,703 |
| 34 | Provo | $2,704 |
| 35 | Alpine | $2,719 |
| 36 | Lindon | $2,732 |
| 37 | South Jordan | $2,733 |
| 38 | Bluffdale | $2,734 |
| 39 | Sandy | $2,739 |
| 40 | Draper | $2,759 |
| 41 | Midvale | $2,769 |
| 42 | Orem | $2,770 |
| 43 | Cottonwood Heights | $2,809 |
| 44 | Holladay | $2,825 |
| 45 | West Jordan | $2,850 |
| 46 | Millcreek | $2,872 |
| 47 | Salt Lake City | $2,929 |
| 48 | Taylorsville | $2,948 |
| 49 | South Salt Lake | $3,000 |
| 50 | West Valley City | $3,028 |
Methodology
Valuepenguin analyzed quotes from hundreds of Utah ZIP codes. Policies were quoted for our sample 30-year-old male driving a 2015 Honda Civic EX with a below average credit score.
Our quotes are for three types of policies, which are analyzed in their respective sections:
- A minimum-coverage policy only meeting Utah state requirements.
- A full-coverage policy, described below.
- The same full-coverage policy after the driver was in an accident.
The limits for the full-coverage policy were as follows:
| Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person / $100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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 insurer filings and should be used for comparative purposes only — your own quotes may be different.
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