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.
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Best cheap car insurance in Utah
Auto-Owners and American Family are two of the cheapest car insurance companies in Utah.
- Want full coverage? Auto-Owners: $160/mo
- Only need minimum coverage? Auto-Owners: $67/mo
- Want the best customer service? Auto-Owners: $160/mo
- Have a speeding ticket? Auto-Owners: $160/mo
- Caused an accident? American Family: $251/mo
- Need coverage for a teen? Farm Bureau: $264/mo
- Got a DUI? Progressive: $238/mo
- Have 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.
Cheapest full coverage car insurance in Utah: Auto-Owners and USAA
Auto-Owners and USAA have the cheapest full coverage car insurance in Utah.
- Auto-Owners has the cheapest full coverage for most people in Utah, at an average of $160 per month. That's a savings of around 29% compared to the state average.
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USAA has the cheapest quotes for Utah drivers with military connections, at $119 per month.
However, only current military members, veterans, spouses or children of USAA members and employees of certain federal agencies can buy insurance from USAA.
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Cheapest full coverage auto insurance rates in Utah
Company | Monthly rate |
|---|---|
| Auto-Owners | $160 |
| Geico | $171 |
| American Family | $172 |
| Progressive | $178 |
| USAA* | $119 |
*USAA is only available to current and former military members, spouses or children of USAA members and employees of certain federal agencies.
Data-powered research on Utah car insurance
Cheapest minimum liability car insurance in Utah: Auto-Owners
- 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. However, Auto-Owners doesn’t offer online quotes.
- 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 |
| USAA* | $49 |
*USAA is only available to current and former military members, spouses or children of USAA members and employees of certain federal agencies.
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Average car insurance rates in Utah by city
- Auto-Owners has the cheapest full coverage insurance in 86% of cities and towns across Utah, including Salt Lake City. American Family has the most affordable quotes in 12% of Utah cities, while Geico has the lowest rates in 2%.
- 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.
Find Cheap Car Insurance Quotes in Utah
Utah car insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Salt Lake City | $272 | Auto-Owners | $174 |
| West Jordan | $275 | Auto-Owners | $174 |
| Provo | $261 | Auto-Owners | $170 |
| Orem | $268 | Auto-Owners | $177 |
| Sandy | $263 | Auto-Owners | $168 |
| Lehi | $254 | Auto-Owners | $169 |
| Ogden | $253 | Auto-Owners | $168 |
| South Jordan | $263 | Auto-Owners | $165 |
| Layton | $245 | Auto-Owners | $157 |
| Millcreek | $270 | Auto-Owners | $171 |
| Herriman | $261 | Auto-Owners | $160 |
| Taylorsville | $285 | Auto-Owners | $179 |
| Eagle Mountain | $258 | Auto-Owners | $159 |
| Logan | $224 | Auto-Owners | $150 |
| Saratoga Springs | $257 | Auto-Owners | $164 |
| Draper | $260 | Auto-Owners | $160 |
| Murray | $275 | Auto-Owners | $176 |
| Spanish Fork | $251 | Auto-Owners | $162 |
| Riverton | $258 | Auto-Owners | $155 |
| Bountiful | $244 | Auto-Owners | $150 |
| Tooele | $246 | American Family | $155 |
| Roy | $248 | Geico | $167 |
| American Fork | $261 | Auto-Owners | $171 |
| Pleasant Grove | $266 | Auto-Owners | $165 |
| Syracuse | $244 | Auto-Owners | $158 |
| Midvale | $263 | Auto-Owners | $175 |
| Springville | $261 | Auto-Owners | $170 |
| Clearfield | $249 | Auto-Owners | $164 |
| Washington | $224 | Auto-Owners | $138 |
| Kaysville | $243 | Auto-Owners | $157 |
| Cottonwood Heights | $263 | Auto-Owners | $167 |
| Holladay | $266 | Auto-Owners | $168 |
| South Salt Lake | $287 | Auto-Owners | $183 |
| Farmington | $237 | Auto-Owners | $152 |
| Payson | $247 | Auto-Owners | $161 |
| West Haven | $247 | Auto-Owners | $169 |
| Hurricane | $219 | Auto-Owners | $142 |
| Clinton | $248 | Auto-Owners | $165 |
| North Salt Lake | $249 | Auto-Owners | $156 |
| North Ogden | $245 | Auto-Owners | $164 |
| Highland | $263 | Auto-Owners | $171 |
| Alpine | $271 | Auto-Owners | $153 |
| Altamont | $236 | Auto-Owners | $154 |
| Alton | $223 | Auto-Owners | $145 |
| Altonah | $239 | American Family | $155 |
| Aneth | $222 | Auto-Owners | $145 |
| Annabella | $224 | Auto-Owners | $143 |
| Antimony | $227 | Auto-Owners | $147 |
| Aurora | $221 | Auto-Owners | $143 |
| Axtell | $222 | Auto-Owners | $148 |
| Ballard | $233 | Auto-Owners | $148 |
| Bear River City | $235 | American Family | $155 |
Best car insurance in Utah: Auto-Owners
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Full coverage rate$160/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA+An A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
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.
Cheapest auto insurance in Utah after a speeding ticket: Auto-Owners
Auto-Owners is the cheapest after a speeding ticket in Utah, at an average of $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 |
| USAA* | $153 |
*USAA is only available to current and former military members and their families.
In Utah, a single speeding ticket will raise your rates by around 21%. That's an average increase of $48 per month for a full coverage policy.
Cheap auto insurance in UT after an accident: American Family
- American Family is the cheapest after an at-fault accident in Utah. At an average of $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 quotes that are typically much lower than average, as well. 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 |
| USAA* | $175 |
*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.
Cheapest auto insurance in Utah for teens: Geico
- Geico has the cheapest minimum coverage car insurance for teen drivers in Utah, at an average of $219 per month. 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.
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 |
| USAA* | $127 | $276 |
*USAA is only available to current and former military members, spouses or children of USAA members and employees of certain federal agencies .
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 get into 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:
Best car insurance in UT for teens with bad records: Farm Bureau and Progressive
- Farm Bureau is the cheapest for teens with a speeding ticket in Utah, at an average of $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 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 |
| USAA* | $215 | $239 |
*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.
Cheapest Utah car insurance quotes after a DUI: Progressive
Progressive has the cheapest insurance 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 |
| USAA* | $228 |
*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 makes it more likely you could be dropped by a new company if you get another ticket or cause another accident. So it may be best to stay with a company you have history with even if the rates go up a bit. If you're unsure of what to do, talk with a licensed agent.
Cheap insurance in Utah for drivers with poor credit: American Family
American Family is the cheapest for people with bad credit in Utah. At $267 per month for full coverage car insurance, that's a savings of around 36% 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 |
| USAA | $257 |
*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.
Is your car insurance company raising rates in Utah in 2026?
So far, State Farm is the only company that has raised rates in Utah in 2026, and the increase is very minimal. Otherwise, companies have either lowered rates or kept them the same across the state this year.
- ↑ Biggest increase: State Farm at +0.1%
- ↓ Biggest decrease: Farm Bureau at -5.7%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Farm Bureau | ↓ 5.7% | ↑ 28.7% |
| American Family | ↓ 3.7% | ↑ 56.3% |
| Progressive | ↓ 1.7% | ↑ 18.7% |
| Bear River Mutual | ↓ 0.8% | ↑ 67.0% |
| Allstate | ↓ 0.3% | ↑ 52.2% |
| Geico | ↓ 0.2% | ↑ 41.2% |
| USAA | 0.0% | ↑ 34.9% |
| Travelers | 0.0% | ↑ 37.4% |
| State Farm | ↑ 0.1% | ↑ 29.8% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What is the minimum car insurance in Utah?
Utah drivers need at least 30/65/25 of liability insurance.
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.
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.
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.
Potential fines and penalties for driving without insurance in UtahFirst offense:
- Fine: $400
- Driving privileges: Driver's license suspended, $40 reinstatement fee; Vehicle registration suspension, $100 reinstatement fee
- Other penalties: Must have an SR-22 certificate for three years
Second and subsequent offenses:
- Penalty: $1,000
- Driving privileges: Driver's license suspended, $40 reinstatement fee; Vehicle registration suspension, $100 reinstatement fee
- Other penalties: Must have an SR-22 certificate for three years
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, on average, Auto-Owners has cheaper rates than Geico in Utah. The average cost of full coverage from Auto-Owners is $160 per month. Geico is $171 per month.
Who has the cheapest car insurance in Utah?
In 2026, Auto-Owners has the cheapest full coverage car insurance in Utah. At an average of$160 per month, their rates are about a quarter less than the Utah state average.
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.
To determine rate changes by company, ValuePenguin analyzed publicly available rate filing data from the Utah Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often segment customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
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.
