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Best Cheapest Car Insurance Utah 2022 – Car Insurance

Best Cheapest Car Insurance Utah 2022

The average rate for car insurance in Utah is $1,507 per year Best Cheapest Car Insurance Utah 2022, If you’re looking for the cheapest car insurance in Utah, you’ll want to review average rates for the state and compare options from several providers.
Our rate estimates from the Home Media reviews team show that the best car insurance can be found for as little as $896 per year or $75 per month for a full coverage policy. Learn which providers offer the lowest average rates for full coverage car insurance in Utah below.
Cheapest Full Coverage Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
USAA $75 $896
Geico $82 $978
Auto-Owners Insurance $109 $1,306
Progressive $113 $1,359
State Farm $133 $1,593
American Family Insurance $134 $1,613
United Insurance $142 $1,709
Iowa Farm Bureau $145 $1,741

 

You can typically find some of the cheapest car insurance in Utah from USAAGeico, and Auto-Owners Insurance. While your rates will differ from those listed above based on personalized factors, we recommend that you compare car insurance rates from several providers to find the best cost and coverage for you.

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What’s the Cost of Car Insurance in Utah?

The average cost of full coverage car insurance in Utah is $1,507  per year, or about $126 per month. Utah drivers pay less than the national average rate of $1,730 per year. According to the National Association of Insurance Commissioners (NAIC), Utah is the 24th-most expensive state to purchase an auto insurance policy.

U.S. map showing the average annual cost of car insurance in each state

Minimum Car Insurance Coverage in Utah

Minimum coverage car insurance in Utah averages $681 per year or about $57 per month, making it 7% more expensive than the national average of $635 per year. These estimates for full coverage and minimum coverage are based on the profile of a 35-year-old driver with a good credit history and clean driving record.

The table below shows the providers that offer the cheapest minimum coverage in the state.

Cheapest Liability Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
USAA $29 $350
Geico $39 $471
Auto-Owners Insurance $40 $478
Iowa Farm Bureau $53 $641
State Farm $55 $660
Allstate $60 $724
Progressive $65 $783
United Insurance $68 $821

Car Insurance Rate Cost Factors

To get a sense for what you may pay for Utah auto insurance, we recommend comparing quotes from multiple providers since rates vary from driver to driver. 

Alt text: Icons showing the factors that influence the cost of car insurance

Most insurers consider the following when calculating your premium:

  • Age
  • Gender
  • Marital status
  • Vehicle
  • Driving record
  • City
  • Credit score
  • Deductible

Cost of Utah Car Insurance by City

Rates vary within the state based on where you live. This table shows the average rates for full coverage insurance in different Utah cities.

City in Utah Estimated Monthly Cost Estimated Annual Cost
Cedar City $114 $1,365
St. George $114 $1,374
Logan $115 $1,382
Roy $123 $1,474
Layton $126 $1,514
Tooele $126 $1,517
Bountiful $127 $1,522
Ogden $128 $1,538
Riverton $130 $1,556
Saratoga Springs $131 $1,567
Spanish Fork $131 $1,569
Lehi $131 $1,570
Herriman $131 $1,570
Draper $133 $1,593
Eagle Mountain $134 $1,604
South Jordan $134 $1,606
Sandy $134 $1,609
Millcreek $135 $1,624
Provo $135 $1,625
Orem $138 $1,654
West Jordan $139 $1,663
Salt Lake City $140 $1,677
Taylorsville $141 $1,686
Murray $142 $1,704
West Valley City $149 $1,788

 

Utah Car Insurance Cost by Age

Like in most states, young drivers under the age of 25 pay more for car insurance premiums than middle-aged drivers. We found that 16-year-old drivers pay an average of $6,625 per year or $552 per month for full coverage car insurance, while car insurance for 30-year-old drivers averages $1,572 per year or $131 per month.

Age Estimated Monthly Cost Estimated Annual Cost
16 $552 $6,625
17 $441 $5,296
18 $386 $4,637
19 $271 $3,252
21 $197 $2,368
25 $143 $1,712
30 $131 $1,572
40 $129 $1,552
45 $129 $1,546
50 $124 $1,488
55 $121 $1,446
65 $125 $1,503
75 $154 $1,849

Cheapest Utah Car Insurance for 16-Year-Olds

In the Beehive State, teen drivers pay a steep price for full car insurance coverage. We found that Auto-Owners Insurance tends to offer cheap auto insurance for 16-year-old drivers, costing around $4,336 per year or $361 per month for full coverage insurance. The average rate estimate for a 16-year-old driver in Utah is $6,625 per year or $552 per month.

Cheapest Car Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
Auto-Owners Insurance $361 $4,336
Geico $362 $4,346
USAA $411 $4,931
State Farm $424 $5,088
United Insurance $445 $5,342

Cheapest Utah Car Insurance for 17-Year-Olds

Our team found that Geico offers cheap car insurance estimates for 17-year-old drivers in Utah at $3,356 per year or $280 per month. The average rate estimate for 17-year-old Utah drivers is $5,296 per year or $441 per month.

Cheapest Car Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
Geico $280 $3,356
Iowa Farm Bureau $296 $3,548
USAA $305 $3,661
Auto-Owners Insurance $331 $3,976
State Farm $373 $4,472

Cheapest Utah Car Insurance for 18-Year-Olds

Based on our research, 18-year-old drivers can find affordable car insurance through Geico for $2,663 per year or $222 per month. The average rate estimate for an 18-year-old Utah driver is $4,637 per year or $386 per month.

Cheapest Car Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
Geico $222 $2,663
USAA $270 $3,241
Iowa Farm Bureau $275 $3,299
Auto-Owners Insurance $300 $3,595
State Farm $327 $3,927

Cheapest Utah Car Insurance for 21-Year-Olds

Utah drivers in their early 20s pay substantially less for car insurance than teen drivers. For 21-year-old drivers, Geico offers the cheapest auto insurance prices on average at $1,251 per year or $104 per month. The average rate estimate for 21-year-old drivers is $2,368 per year or $197 per month.

Cheapest Car Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
Geico $104 $1,251
USAA $114 $1,365
Progressive $191 $2,292
Auto-Owners Insurance $206 $2,466
Iowa Farm Bureau $208 $2,497

Cheapest Utah Car Insurance for 25-Year-Olds

On average, Geico provides the cheapest car insurance rates for an annual premium for 25-year-old drivers at $948 per year or $79 per month. The average rate estimate for a 25-year-old Utah motorist is $1,712 per year or $143 per month.

Cheapest Car Insurance in Utah Estimated Monthly Cost Estimated Annual Cost
Geico $79 $948
USAA $89 $1,071
Progressive $130 $1,554
Auto-Owners Insurance $133 $1,600
Iowa Farm Bureau $151 $1,810

Utah Car Insurance by Situation

In addition to age, your driving history and credit score will also influence your rates. The sections below provide the average cost of car insurance for different driving situations, such as car insurance rates if you got a speeding ticket or DUI.

Cheapest Utah Car Insurance for Drivers With a Speeding Ticket

A speeding ticket makes you more of a liability to insure in the eyes of insurance companies, so you can expect your rates to go up if you get one. On average, Utah drivers with a speeding ticket pay $1,839 per year.

Cheapest Car Insurance
in Utah
Estimated Monthly
Cost
Estimated Annual
Cost
USAA $93 $1,111
Geico $111 $1,326
Progressive $120 $1,434
Auto-Owners Insurance $125 $1,500
State Farm $135 $1,621

Cheapest Utah Car Insurance for Drivers With a Recent Accident

If you are deemed at-fault for an accident, you’re likely to see your rates go up. On average, Utah drivers with a recent at-fault accident pay $2,353 per year for car insurance.

Cheapest Car Insurance
in Utah
Estimated Monthly
Cost
Estimated Annual
Cost
USAA $108 $1,298
State Farm $147 $1,764
Auto-Owners $155 $1,859
Geico $158 $1,891
Progressive $172 $2,063

Cheapest Utah Car Insurance for Drivers With a DUI

A DUI will cause your rates to rise more than a speeding ticket or an accident. On average, Utah drivers with a DUI on their driving record pay $2,330 per year for car insurance.

Cheapest Car Insurance in Utah Estimated Monthly
Cost
Estimated Annual
Cost
Progressive $105 $1,298
State Farm $137 $1,621
USAA $133 $1,639
Iowa Farm Bureau $163 $1,817
Geico $161 $1,839

Cheapest Utah Car Insurance for Drivers With Poor Credit

Utah is one of many states in which your credit score impacts your premiums. Drivers with good credit get the best rates, while drivers with fair or poor credit scores pay more. On average, Utah drivers with poor credit pay $2,883 per year for car insurance.

Cheapest Car Insurance in Utah Estimated Monthly
Cost
Estimated Annual
Cost
Geico $148 $1,780
Progressive $151 $1,806
USAA $153 $1,837
American Family $250 $2,997
Allstate $252 $3,028

Utah Driving Statistics

Some of the reasons Utah drivers generally pay less than the national average for car insurance may include the state’s low number of auto fatalities and Utah drivers’ low average annual mileages. Here are a few statistics about Utah drivers versus the national average, according to the U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS):

Utah Average National Average
Number of Miles Driven per Year 32,911 63,956
Number of Deaths Resulting from Auto Accidents 248 707
Deaths per 100,000 People 7.7 11
Deaths per 100 Million Vehicle Miles Traveled 0.75 1.11

 

To determine the best car insurance companies in Utah, we considered industry standing, pricing, types of policies and the customer experience for Beehive State drivers (see full methodology below). While some top providers score well in every state, others have better reputations in certain locations.

Top Car Insurance Companies in Utah Overall Rating Coverage Rating Cost Rating
1. Geico 9.2 8.5 9.4
2. USAA 9.5 9.5 10.0
3. American Family Insurance 8.3 7.5 9.4
4. Allstate 8.3 9.0 6.6
5. State Farm 9.2 9.0 9.0

*Our research team considers nationwide factors when scoring providers. However, the order of providers in this table is specific to car insurance in Utah.

1 Geico

J.D. Power regional rating829/1,000

AM Best Financial Strength RatingA++

Better Business Bureau (BBB) RatingA+

In our 2022 industry review, we named Geico as the second best provider overall, and it can be a smart option for many Utah drivers as well. The company offers some of the lowest average rates in the state, especially for young drivers and those with good credit, and it has a number of car insurance discounts available to help drivers save.

2 USAA

J.D. Power regional rating: 863/1,000

AM Best Financial Strength RatingA++

BBB RatingA+

USAA is known for offering some of the most affordable rates nationwide and for Utah drivers. It also received the highest customer satisfaction score for the Southwest region in the J.D. Power 2021 U.S. Auto Insurance Study℠. Although USAA coverage is only available to military members, veterans and their families, it can be a solid choice for those who qualify.

3 American Family Insurance

J.D. Power regional rating: 850/1,000

AM Best Financial Strength RatingA+

BBB RatingA-

American Family is a regional insurer available to drivers in 19 states, including Utah. Although it’s a smaller provider than some of the national companies on this list, the provider holds positive industry ratings from both AM Best and the BBB. It also ranked first for customer satisfaction in the J.D. Power Auto Insurance Study for the Southwest region, highlighting its quality customer service reputation.

#4 Allstate

J.D. Power regional rating: 822/1,000

AM Best Financial Strength RatingA+

BBB RatingA

While average rates from Allstate tend to be slightly higher than other insurers on this list, the company still offers competitive rates for car insurance in Utah. The company is known for offering quality customer service, and it’s backed by solid industry ratings from the BBB. Allstate also holds a high A+ financial strength rating from AM Best, highlighting its ability to reliably pay out claims.

5 State Farm

J.D. Power regional rating: 847/1,000

AM Best Financial Strength RatingA++

BBB RatingB

State Farm rounds out our list of the best options for car insurance in Utah. We rate the company highly overall and think it is a good option for student drivers because of the many discount offers available to young drivers and college students. The Steer ClearⓇ mobile app, for example, allows teens and new drivers to receive course training, mentoring and driving practice, as well as a discount on their policy.

Utah Car Insurance Requirements

All drivers must carry car insurance in Utah. According to state law, drivers must maintain the following minimum coverage limits:

  • Bodily injury liability: $25,000 per person and $65,000 per accident
  • Property damage liability: $15,000 per accident
  • Personal injury protection (PIP): $3,000 per person
  • Uninsured/underinsured motorist coverage (UM/UIM): $25,000 per person and $65,000 per accident

Is It Illegal To Not Have Car Insurance in Utah?

Uninsured/underinsured motorist coverage can be waived, but you must indicate that you decline this coverage via a written statement to your insurer.

If you are found driving without the state minimum required car insurance in Utah, you may be subject to the following penalties:

  • Suspension of vehicle registration ($100 reinstatement fee)
  • $400 fine for first offense
  • $1,000 fine for second and subsequent offenses within three years
  • Suspension of driver’s license until proof of insurance and fee is paid

What Is a No-fault State?

Utah is a no-fault state. This means that your insurer pays for damages to your vehicle, regardless of fault. This is why personal injury protection is mandatory.

How To Get Car Insurance in Utah

USAAGeico and Progressive generally offer the cheapest car insurance in Utah. While you’ll likely receive affordable rates from these providers, we recommend comparing car insurance quotes from multiple insurers to find the best coverage for your needs.

Frequently Asked Questions

How much is car insurance in Utah?

The average cost of full coverage car insurance in Utah is $1,507 per year, though policies can be found for as little as $75 per month. That compares favorably to the national average, which is $1,730 per year.

Is it more expensive to insure a new or old car?

It depends on the value of the car itself, but it is usually more expensive to insure a new car than an old car. That’s because the replacement cost of a new car is more than that of an older vehicle.

Is it better to pay car insurance in full or monthly?

In most cases, you can get a discount on your car insurance policy if you pay in full. If you can afford to pay the policy up front, it’s better to do that. If doing so would put you in a difficult financial situation, monthly payments are a better choice.

Overview

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost (30% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.

Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.

Reputation (15% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.

Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.

Customer Experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

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