Who Has the Cheapest Car Insurance in Utah? (2026)
Auto-Owners has the cheapest car insurance in Utah, at $160 per month for full coverage.
Find Cheap Auto Insurance Quotes in Utah
Who has the best cheap car insurance in Utah?
The cheapest car insurance companies in Utah differ by type of coverage, driving history, age, credit score and other factors. Here are the top choices in UT:
Coverage type:
- Cheapest for full coverage: Auto-Owners — $160/mo
- Cheapest for minimum liability: Auto-Owners — $67/mo
Driving history:
- Cheapest after a speeding ticket: Auto-Owners — $160/mo
- Cheapest after an accident: American Family — $251/mo
- Cheapest after a DUI: Progressive — $238/mo
Age:
- Cheapest for young drivers: Geico — $219/mo
- Cheapest for teens after a speeding ticket: Farm Bureau — $264/mo
- Cheapest for teens after an accident: Progressive — $351/mo
Credit score:
- Cheapest for drivers with poor credit: American Family — $267/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Who has the cheapest full coverage car insurance in Utah?
Auto-Owners has the cheapest full coverage for most people in Utah, at $160 per month. That's a savings of around 29% compared to the state average, based on our analysis of 172,800 quotes across the state of Utah.
Utah drivers with military connections can find the cheapest quotes at USAA, at $119 per month. However, only military members, veterans and their families can buy insurance from USAA.
Find Cheap Auto Insurance Quotes in Utah
Cheapest full coverage auto insurance rates in Utah
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $160 |
| Geico | $171 |
| American Family | $172 |
| Progressive | $178 |
| Farm Bureau | $222 |
| Allstate | $238 |
| State Farm | $365 |
| Farmers | $391 |
| USAA* | $119 |
*USAA is only available to current and former military members and their families.
Data-powered research on Utah car insurance
| Data-powered research on UT car insurance |
|---|
Who has the cheapest minimum liability car insurance in Utah?
Auto-Owners is the cheapest for minimum coverage car insurance in Utah, at $67 per month. That's a savings of around 34%, compared to the state average. Its rates are cheap, and its service ratings are good but not the best. The top-rated companies in Utah, State Farm and Farmers, tend to have the most expensive rates.
Auto-Owners doesn’t offer online quotes, so Geico is the cheapest company for Utah drivers looking to quickly compare quotes and buy a policy online.
Best cheap auto insurance in Utah
Company | Monthly rate |
|---|---|
| Auto-Owners | $67 |
| Geico | $81 |
| Farm Bureau | $84 |
| Progressive | $85 |
| American Family | $90 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Utah
Who has the cheapest auto insurance in Utah for teens?
Geico is the cheapest for teen drivers in Utah, at $219 per month for a minimum coverage policy. That's a savings of around 40%, compared to the state average.
Geico also has the cheapest full coverage rates for Utah teens. At $441 per month, full coverage from Geico could save you 43% compared to the state average, based on our analysis of quotes across 299 Utah ZIP codes.
Affordable car insurance in Utah for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $219 | $441 |
| Farm Bureau | $232 | $584 |
| Auto-Owners | $277 | $563 |
| Progressive | $298 | $742 |
| Allstate | $403 | $860 |
*USAA is only available to current and former military members and their families.
In Utah, 18-year-old drivers pay about two and a half times more for car insurance than 30-year-olds. That's because young drivers have less experience, so they're more likely to be in car accidents.
Car insurance savings hacks for Utah teens
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:
Who has the cheapest auto insurance in Utah after a ticket?
Auto-Owners is the cheapest after a speeding ticket in Utah, at $160 per month for full coverage insurance. That's a savings of around 41%, compared to the state average. It's also $45 per month less expensive than the second-cheapest company, American Family.
Best car insurance rates in Utah after a speeding ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $160 |
| American Family | $205 |
| Geico | $234 |
| Progressive | $248 |
| Farm Bureau | $251 |
*USAA is only available to current and former military members and their families.
In Utah, a single speeding ticket will raise your rates by an average of around 21%, according to our analysis of 170,000+ quotes across the state. That's an average increase of $48 per month for a full coverage policy.
Who offers cheap auto insurance in UT after an accident?
American Family is the cheapest after an at-fault accident in Utah. At $251 per month, choosing full coverage from American Family could save you around 24% compared to the state average.
Although American Family has the cheapest rates, Auto-Owners has better customer service, and it's still affordable. That could come in handy if you're in another accident in the future.
Affordable Utah auto insurance quotes after an accident
Company | Monthly rate |
|---|---|
| American Family | $251 |
| Auto-Owners | $271 |
| Progressive | $285 |
| Geico | $329 |
| Farm Bureau | $343 |
*USAA is only available to current and former military members and their families.
The average cost of car insurance in Utah goes up by 48% after an accident.
Don't switch car insurance companies right after an accident. Your rates won't go up until your policy renews. Yet, any new quotes will factor in your crash, so they'll probably be more expensive than your current rate.
Instead, wait until your insurance company sends your renewal offer. This is typically a few weeks to a month before your policy expires. Then, shop around for multiple quotes to find the best rates for you.
Who has the best car insurance in UT for teens with a ticket or accident?
Farm Bureau is the cheapest for teens with a speeding ticket in Utah, at $264 per month for minimum liability coverage. That's a savings of close to 40%, compared to the state average.
Progressive is the cheapest after an accident. At $351 per month, Utah teens could save around 28% by choosing a minimum coverage policy from Progressive.
Cheapest auto insurance in Utah for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $264 | $361 |
| Auto-Owners | $277 | $449 |
| Geico | $281 | $398 |
| Progressive | $336 | $351 |
| Allstate | $462 | $577 |
*USAA is only available to current and former military members and their families.
Teen drivers in Utah see their rates go up by an average of 16% after a speeding ticket and 34% after an at-fault accident.
Who has the cheapest Utah car insurance quotes after a DUI?
Progressive is the cheapest after a DUI in Utah, at $238 per month for full coverage. That's a savings of around 38%, compared to the state average.
Cheapest Utah car insurance with a DUI
Company | Monthly rate |
|---|---|
| Progressive | $238 |
| Farm Bureau | $251 |
| Geico | $303 |
| Allstate | $324 |
| American Family | $331 |
*USAA is only available to current and former military members and their families.
A DUI in Utah can increase your car insurance rates by 71%, or an average of $160 per month for a full coverage policy. It can be helpful to compare quotes from multiple companies after a change in your driving record to make sure you get the best rate.
Keep in mind, if you have accidents, tickets or a DUI on your driving record, you'll be viewed as a riskier driver.
That might make it more likely you'll be dropped by a new company if you get another ticket or cause another accident. Sometimes it's best to stay with a company if you have a history with it. If you're not sure of the best thing to do, talk with a licensed agent.
Who offers cheap insurance in Utah for drivers with poor credit?
American Family is the cheapest for people with bad credit in Utah. At $267 per month, that's a savings of around 36% on full coverage car insurance, compared to the state average.
Best Utah car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| American Family | $267 |
| Progressive | $286 |
| Geico | $312 |
| Farm Bureau | $418 |
| Allstate | $423 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit pay 87% more for auto insurance in Utah than drivers with good credit.
That's because insurance companies believe drivers with lower credit scores tend to file more insurance claims. So even though credit ratings don't affect your ability to drive safely, you'll usually pay more for coverage.
What's the best car insurance company in Utah?
USAA is the best company for Utah drivers, based on its excellent customer service and cheap quotes.
However, USAA is available only to military members, veterans and some of their family members.
Auto-Owners and American Family are some of the best Utah car insurance companies if you don't qualify for USAA. Both companies offer reliable customer service and affordable car insurance in Utah. If you can afford higher rates, State Farm has the best service ratings in Utah after USAA.
Best Utah car insurance companies
Company |
Editor's rating
|
Claims experience
|
Customer complaints
|
|---|---|---|---|
| USAA | Excellent | Average | |
| State Farm | Good | Low | |
| Farm Bureau | NR | Low | |
| Auto-Owners | Good | Low | |
| American Family | Average | Low |
The author, Lindsay Bishop, chose the best car insurance companies in Utah based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Utah
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
All of the companies we included have an "A" financial strength rating or better from AM Best. That means these companies shouldn't have an issue paying out claims, even in difficult financial situations such as a major natural disaster.
Average car insurance rates in Utah by city
Moab, a rural town near Arches National Park, has the cheapest car insurance quotes in Utah.
Full coverage car insurance in Moab costs an average of $207 per month.
Kearns, a suburb of Salt Lake City, has the most expensive rates in the state, at $297 per month. That's partially because the Salt Lake area has much higher auto theft rates than other parts of Utah.
Utah car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Alpine | $271 | 21% |
| Altamont | $236 | 6% |
| Alton | $223 | 0% |
| Altonah | $239 | 7% |
| American Fork | $261 | 17% |
Depending on where you live, average car insurance prices in Utah differ by about $89 per month for full coverage. That's because factors such as road quality, car theft rates and traffic congestion can change your insurance rates.
What is the minimum car insurance in Utah?
Utah drivers need at least 30/65/25 of liability insurance, as of Jan. 1, 2025.
Your policy must also have personal injury protection (PIP) insurance, sometimes called "no-fault insurance." This helps pay for your own injuries after an accident, even if it wasn't your fault.
There are serious penalties if you drive without insurance in Utah, even if it's because you accidentally forget to pay your bill and your coverage lapses.
If you don't have insurance and are pulled over or cause an accident, your vehicle registration and driver's license could be suspended. You'll also have to pay a fine of at least $400 for your first offense and $1,000 for your second offense.
To get your car registration reinstated, you'll have to pay an additional $100 reinstatement fee and show proof of current insurance coverage.
Minimum car insurance requirement in Utah
- Bodily injury liability: $30,000 per person and $65,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $3,000 per accident
In Utah, personal injury protection coverage includes four 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 of coverage will be given to their heirs.
- A $1,500 funeral allowance if your passenger dies as a result of the accident.
- Up to 85% of lost income due to injuries from an accident, up to $250 per week.
- A special allowance up to $20 per day for services if you can't perform certain tasks due to injuries.
What's the best car insurance to get in Utah?
Most drivers in Utah should have full coverage car insurance.
Full coverage insurance includes comprehensive and collision insurance, which pay for damage to your own car. Utah's weather can be harsh and unpredictable all year round, so comprehensive coverage is especially important because it covers damage caused by weather.
Full coverage 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 requires only $25,000 of property damage liability to avoid penalties. 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 8 years old or worth more than $5,000.
Frequently asked questions
Is Auto-Owners cheaper than Geico?
Yes, Auto-Owners offers cheaper average rates than Geico in Utah. The average cost of full coverage from Auto-Owners is $160 a month. Geico is $171 a month.
Who has the cheapest car insurance in Utah?
In 2026, Auto-Owners has the cheapest full coverage car insurance in Utah. The company charges an average of $160 per month. That's about a quarter less than the Utah state average of $224 per month.
Auto-Owners also has the most affordable minimum coverage rates, at $67 per month, on average.
How much is car insurance in Utah per month?
The average price for a full coverage policy in Utah is $224 per month. Minimum coverage car insurance costs an average of $102 per month.
How much is auto insurance in Ogden, UT?
The average cost of car insurance in Ogden is $253 per month for a full coverage policy. That's $29 per month more than the Utah state average.
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 2018 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
Minimum coverage rates are for the new liability limits required as of Jan. 1, 2025.
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.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
