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Car going through Red Arch road tunnel to Bryce Canyon. Utah, USA

Best Cheap Car Insurance In Utah

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09/14/2023 05:06 PM

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As a driver in the Beehive State, you may find it challenging to choose the right auto insurance coverage for your needs. Our team has done the research for you to help you find the best and most affordable providers across the state. Geico, USAA, and State Farm rose to the top as the best picks for cheap car insurance in Utah.

In this article, we’ll discuss cost and coverage options as well as how to get quotes from top providers in the state. Our team has reviewed the best car insurance companies on the market, and we recommend getting free quotes from leading providers in Utah to compare your options.

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Cheap Car Insurance In Utah

According to our rate estimates, USAA tends to be the most affordable car insurance company in Utah. with an average cost of $872 per year for a full coverage policy. Geico and Progressive follow close behind for cheap car insurance in the state with average annual costs falling below $1,100 a year.

Auto Insurance Provider Estimated Annual Cost
USAA $872
Geico $971
Progressive $1,090
Auto-Owners $1,165
State Farm $1,477
American Family $1,696
Allstate $1,788

How Much Is Auto Insurance In Utah?

The average cost of full coverage auto insurance for Utah drivers is $1,463 per year. This falls about 16 percent below the national average of $1,732 per year. According to the National Association of Insurance Commissioners (NAIC), Utah was the 24th-most expensive state for auto insurance in 2018.

Though the average cost of auto insurance in Utah is less than the national average, rates from providers will vary due to a variety of factors, such as:

  • Age: Young drivers pay more for car insurance because they are considered high risk due to having less experience on the road.
  • Gender: Men tend to pay more for car insurance than women in most states.
  • Marital status: Most married drivers pay less for coverage and have more access to family or bundling discounts.
  • Driving record: Speeding tickets, reported accidents, and DUIs can harm your chances of getting cheap car insurance rates. Those with clean driving records save the most money on comprehensive coverage.
  • Credit score: Drivers with poor credit scores usually pay significantly more for auto insurance coverage than those with good credit scores.
  • Coverage level: Full coverage policies cost more than state minimum liability coverage policies.

Cheapest Utah Car Insurance For Young Drivers

Our auto insurance rate estimates show that Geico, USAA, and Progressive are likely the best options for young drivers in Utah.

Auto Insurance Provider Estimated Annual Cost
Geico $988
USAA $1,295
Progressive $1,624
Allstate $1,860
State Farm $2,021
Auto-Owners $2,036

Cheapest Utah Car Insurance For Drivers With Speeding Tickets

Having a speeding ticket on your driving record can impact your car insurance premium. For Utah, USAA tends to be the cheapest option on average for drivers with speeding violations.

Auto Insurance Provider Estimated Annual Cost
USAA $1,111
Geico $1,326
Progressive $1,434
Auto-Owners $1,500
State Farm $1,621
Allstate $1,996

Cheapest Utah Car Insurance For Drivers With Recent Accidents

We found that USAA had the lowest estimated cost–$1,298 a year–for Utah drivers who have been in recent car accidents.

Auto Insurance Provider Estimated Annual Cost
USAA $1,298
State Farm $1,764
Auto-Owners $1,859
Geico $1,891
Progressive $2,063
Allstate $2,562

Cheapest Utah Car Insurance For Drivers With Bad Credit

Your credit report can drastically affect what you pay for car insurance in Utah. We found that Geico, Progressive, and USAA tend to be the most affordable options for drivers with low credit scores.

Auto Insurance Provider Estimated Annual Cost
Geico $1,780
Progressive $1,806
USAA $1,837
American Family $2,996
Allstate $3,028
Auto-Owners $3,174

Top 5 Auto Insurance Companies In Utah

When rating car insurance providers, our team takes cost, coverage options, customer satisfaction, reputation, and more into consideration. For Utah auto insurance, Geico, USAA, and Progressive came out on top as the best choices, with State Farm and Allstate following close behind.

Best Car Insurance in Utah Overall Rating Cost Rating Coverage Rating
1. Geico Car Insurance 5.0 4.5 5.0
2. USAA Car Insurance 5.0 5.0 4.5
3. Progressive Car Insurance 4.5 4.5 4.5
4. State Farm Car Insurance 4.5 4.5 4.0
5. Allstate Car Insurance 4.0 3.5 4.5

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Utah.

#1 Geico: Best Overall Provider

As one of the nation’s leading providers, Geico is our No. 1 pick for car insurance in Utah. The company provides not only standard car insurance coverage but also mechanical breakdown insurance and rideshare coverage. In our review, we gave the company 5.0 stars–our highest rating.

Highly rated by industry professionals, Geico holds an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. Many customer reviews praise the company for its easy claims process, broad range of discounts, and affordable auto insurance rates, especially for good drivers.

Geico Pros And Cons

Pros Strong industry reputation High customer satisfaction ratings Large variety of discounts and coverage options
Cons Doesn’t offer gap insurance Local agents and services are limited

Learn more about the provider in our comprehensive Geico insurance review.

#2 USAA: Best For Military Members

USAA is the fifth-largest auto insurer in the country and is our top choice for those who are part of the armed services. The provider offers great bundling discounts for auto, renters, and homeowners insurance, as well as discounts for families, students, and teen drivers.

Though USAA is only available to current or former military members and their families, there are some great perks to coverage from this insurer. These include additional coverage options for rideshare and mileage-based driving as well as secure access to USAA’s mobile app, which you can use to pay bills, file a claim, or get new insurance ID cards.

USAA Pros And Cons

Pros Great discounts and benefits for military service members High industry ratings from the BBB and AM Best Offers SafePilot™ usage-based insurance program
Cons Only available for active military personnel, veterans, and their families

Check out our USAA insurance review to see if the provider is a good choice for you.

#3 Progressive: Best Usage-Based Insurance

Best known for its quirky commercials, Progressive is our pick for best usage-based insurance coverage. The Snapshot® program bases insurance premiums on your driving habits, which are monitored through an app or a device installed in your car. The average Progressive-insured driver can save over $100 a year through the program.

Progressive is also a great option for those who own non-standard vehicles. It offers coverage for motorists and specialty vehicles such as ATVs, RVs, and boats, as well as classic, exotic, or sports cars.

Progressive Pros And Cons

Pros Offers add-ons such as rideshare coverage, roadside assistance, and lease payoff A+ AM Best financial strength rating Affordable rates for high-risk drivers
Cons Average customer service reviews Doesn’t cover vehicles worth over $150,000

For more information about the provider, read our Progressive insurance review.

#4 State Farm: Best For Student Drivers

As the largest auto insurer in the country, State Farm is known for its positive industry standing. The company holds an A rating from the BBB and scored above the industry average in several J.D. Power studies, including the J.D. Power 2021 U.S. Auto Insurance Study℠ for the Southwest region.

State Farm is an excellent choice for student drivers in Utah. The company offers a discount up to 25 percent for students under 25 who make good grades and a discount for college students away at school who only drive during the summer and holidays.

State Farm Pros And Cons

Pros Affordable rates for high-risk drivers Good discount programs for safe driving and young drivers A BBB rating and high customer satisfaction score in J.D. Power study
Cons Limited additional coverage options

If you’re considering a policy with the company, check out our State Farm insurance review to learn more.

#5 Allstate: Best Local Agents

Allstate is one of the most trusted auto insurance companies on the market. The insurer is known for its helpful local insurance agents who provide a personalized experience for every customer. Because so many policyholders have praised Allstate agents for their excellent service, our team awarded the insurer the Best Local Agents designation.

Allstate is a reliable option for Utah drivers who prioritize great customer service, trustworthiness, and access to an abundance of discounts. Allstate earned an A+ financial strength rating AM Best, although earned a below-average rating in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, the most recent edition of the study.

Allstate Pros And Cons

Pros Multiple discount opportunities Offers add-ons such as accident forgiveness, new car replacement, and deductible rewards A+ financial strength rating from AM Best
Cons Slightly higher average rates than competitors

Read our Allstate insurance review for more information about the provider and its coverage options.

Utah Insurance Requirements

According to the Utah Insurance Department, drivers need to meet the following state minimum coverage requirements:

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

Since Utah is a no-fault state, coverage requirements are slightly different compared to most other states. If you are involved in a car accident, you will need to file a claim through your own insurance rather than filing against the other involved driver.

How To Get Utah Car Insurance Quotes

When starting your search for car insurance in Utah, begin by getting free quotes from several top-rated providers to compare cost and coverage options. Most major providers offer quotes online, which is an easy way to get a sense of what you might pay for auto insurance with each company. You can also call companies for quotes, or you can reach out to an insurance agent or broker for a more personalized quote experience.

Utah drivers tend to find the cheapest auto insurance coverage from providers such as Geico, USAA, and Progressive, but your rates will depend on your vehicle type, driving record, age, credit history, and more. To figure out what you’d pay for Utah auto insurance coverage, compare car insurance quotes to find the right choice for you.

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Frequently Asked Questions

Is car insurance in Utah expensive?

According to our rate estimates, the average cost of full coverage auto insurance in Utah is ,463 per year, with the cheapest car insurance rates typically ranging from about 0 to ,700 annually. Utah’s rates are generally lower than the national average, which is $1,732 per year.

Is Utah a no-fault state for auto insurance?

Yes, Utah is a no-fault state. This means that a driver who is injured in a car accident can have some or all of their medical expenses covered under their car insurance policy, regardless of who is at fault for the accident.

What is the minimum auto insurance coverage in Utah?

Utah has a minimum bodily injury liability requirement of $25,000 per person and $65,000 per accident and a property damage liability requirement of $15,000 per accident. The state also requires personal injury protection (PIP) coverage of $3,000 per accident.

What is the best car insurance company in Utah?

We named Geico, USAA, Progressive, State Farm, and Allstate as some of the best car insurance companies in Utah. To compare providers in your search for the right coverage, read our review of the best car insurance companies on the market.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.