Best Cheap Car Insurance Rates in Utah

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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.

This graph compares the cheapest car insurance companies in Utah to the state average.
This graph compares the cheapest car insurance companies in Utah to the state average.

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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.

RankCompanyAnnual premium
1Farm Bureau Mutual$610
2Progressive$896
3GEICO$941
4Auto-Owners Insurance Co$1,059
5State Farm$1,123
6Allstate$1,248
7American Family$1,735
8Farmers$1,851
N/AUSAA$481
USAA was not ranked given its eligibility requirements.

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.

RankCompanyRate after accidentRate before accidentDifference
1Farm Bureau Mutual$2,512$1,624$888
2State Farm$2,828$2,359$468
3American Family$2,925$2,889$37
4Progressive$3,718$1,882$1,836
5GEICO$3,803$2,393$1,410
6Allstate$4,377$3,026$1,351
7Auto-Owners Insurance Co$5,249$2,709$2,540
8Farmers$6,583$4,609$1,974
N/A*USAA$1,836$1,354$482
In this case, the accident was the fault of our driver and caused $2,000 in property damage. USAA was the cheapest insurer overall, but we did not include it in the rankings due to its eligibility requirements.

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.

RankCompanyMarket shareComplaint index
1Bear River Mutual Insurance5.4%0
2Farmers Insurance8.0%0.46
3State Farm13.4%0.57
4GEICO8.5%0.62
5Farm Bureau Financial2.4%0.66
6Auto-Owners Insurance3.6%0.67
7Allstate9.8%0.69
8American Family Insurance4.2%0.7
9Progressive8.7%0.91
10USAA4.3%1.14
11Liberty Mutual4.5%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.

CityCompanyAnnual premium
AlpineUSAA$1,459
Farm Bureau Mutual$1,695
Progressive$1,785
American ForkUSAA$1,395
Farm Bureau Mutual$1,666
Progressive$1,947
BluffdaleUSAA$1,401
Farm Bureau Mutual$1,672
Progressive$2,043
BountifulUSAA$1,310
Farm Bureau Mutual$1,659
Progressive$2,051
Brigham CityUSAA$1,379
Farm Bureau Mutual$1,491
Progressive$1,771
Cedar CityUSAA$1,278
Farm Bureau Mutual$1,422
Progressive$1,720
Cedar HillsUSAA$1,395
Farm Bureau Mutual$1,703
Progressive$1,999
CentervilleUSAA$1,310
Farm Bureau Mutual$1,533
Progressive$1,940
ClearfieldUSAA$1,204
Farm Bureau Mutual$1,683
Progressive$1,920
Cottonwood HeightsUSAA$1,459
Farm Bureau Mutual$1,745
Progressive$2,082
DraperUSAA$1,457
Farm Bureau Mutual$1,758
Progressive$1,918
Eagle MountainUSAA$1,391
Farm Bureau Mutual$1,819
Progressive$2,050
FarmingtonUSAA$1,348
Farm Bureau Mutual$1,548
Progressive$1,894
GrantsvilleUSAA$1,302
Farm Bureau Mutual$1,567
Progressive$1,784
HeberUSAA$1,426
Farm Bureau Mutual$1,689
Progressive$2,067
HerrimanUSAA$1,401
Farm Bureau Mutual$1,750
Progressive$1,799
HolladayUSAA$1,481
Farm Bureau Mutual$1,868
Progressive$2,212
HooperUSAA$1,306
Farm Bureau Mutual$1,662
Progressive$1,967
HurricaneUSAA$1,364
Farm Bureau Mutual$1,472
Progressive$2,057
HyrumUSAA$1,264
Farm Bureau Mutual$1,483
Progressive$1,743
IvinsUSAA$1,364
Farm Bureau Mutual$1,501
Progressive$1,909
LaytonUSAA$1,304
Farm Bureau Mutual$1,648
Progressive$1,877
LehiUSAA$1,395
Farm Bureau Mutual$1,683
Progressive$1,786
LindonUSAA$1,390
Farm Bureau Mutual$1,747
Progressive$2,002
LoganUSAA$1,268
Farm Bureau Mutual$1,430
Progressive$1,504
MapletonUSAA$1,372
Farm Bureau Mutual$1,720
Progressive$2,213
MidvaleUSAA$1,436
Farm Bureau Mutual$1,800
Progressive$1,974
MillcreekUSAA$1,487
Farm Bureau Mutual$1,885
Progressive$2,228
North Salt LakeUSAA$1,310
Farm Bureau Mutual$1,729
Progressive$1,903
OgdenUSAA$1,400
Farm Bureau Mutual$1,732
Progressive$2,074
OremUSAA$1,390
Farm Bureau Mutual$1,739
Progressive$2,011
Park CityUSAA$1,316
Farm Bureau Mutual$1,636
Progressive$2,006
ProvoUSAA$1,397
Farm Bureau Mutual$1,740
Progressive$1,966
RiverdaleUSAA$1,395
Farm Bureau Mutual$1,651
Progressive$1,965
RoyUSAA$1,306
Farm Bureau Mutual$1,693
Progressive$2,002
SalemUSAA$1,437
Farm Bureau Mutual$1,661
Progressive$1,731
Salt Lake CityUSAA$1,494
Farm Bureau Mutual$1,922
Progressive$2,346
SandyUSAA$1,427
Farm Bureau Mutual$1,720
Progressive$1,828
Saratoga SpringsUSAA$1,365
Farm Bureau Mutual$1,727
Progressive$2,088
SmithfieldUSAA$1,264
Farm Bureau Mutual$1,507
Progressive$1,792
South JordanUSAA$1,483
Farm Bureau Mutual$1,738
Progressive$1,817
South Salt LakeUSAA$1,573
Farm Bureau Mutual$2,056
Progressive$2,441
SpringvilleUSAA$1,372
Farm Bureau Mutual$1,727
Progressive$2,215
St. GeorgeUSAA$1,364
Farm Bureau Mutual$1,534
Progressive$1,902
SyracuseUSAA$1,315
Farm Bureau Mutual$1,602
Progressive$1,831
TaylorsvilleUSAA$1,542
Farm Bureau Mutual$1,897
Progressive$2,097
TremontonUSAA$1,379
Farm Bureau Mutual$1,528
Progressive$1,849
WashingtonUSAA$1,362
Farm Bureau Mutual$1,511
Progressive$1,896
West JordanUSAA$1,483
Farm Bureau Mutual$1,835
Progressive$2,015
West Valley CityUSAA$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.

RankCityAverage annual premium
1Cedar City$2,335
2Hurricane$2,372
3Logan$2,377
4Brigham City$2,393
5St. George$2,395
6Washington$2,405
7Hyrum$2,424
8Ivins$2,429
9Smithfield$2,436
10Tremonton$2,499
11Syracuse$2,502
12Farmington$2,508
13Grantsville$2,521
14Hooper$2,531
15Centerville$2,538
16Layton$2,544
17Riverdale$2,554
18Clearfield$2,562
19Roy$2,588
20Ogden$2,592
21Salem$2,593
22Park City$2,598
23Bountiful$2,606
24Lehi$2,612
25Heber$2,640
26Saratoga Springs$2,648
27Eagle Mountain$2,675
28Mapleton$2,676
29American Fork$2,683
30Springville$2,693
31Cedar Hills$2,696
32North Salt Lake$2,698
33Herriman$2,703
34Provo$2,704
35Alpine$2,719
36Lindon$2,732
37South Jordan$2,733
38Bluffdale$2,734
39Sandy$2,739
40Draper$2,759
41Midvale$2,769
42Orem$2,770
43Cottonwood Heights$2,809
44Holladay$2,825
45West Jordan$2,850
46Millcreek$2,872
47Salt Lake City$2,929
48Taylorsville$2,948
49South Salt Lake$3,000
50West 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 typeStudy 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.

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.