The best car insurance in Utah

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 15, 2021

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The average cost of full coverage car insurance in Utah is $1,503 per year, lower than the national average of $1,652. However, car insurance rates are different for everyone, and whether you live along the Great Salt Lake or the foothills of Zion National Park, you want to be sure you’re getting the best price.

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Policygenius can help you see quotes from top companies and choose the best coverage at the lowest rates.

Key Takeaways

  • GEICO has the lowest average car insurance rates in Utah at $856 per year for full coverage

  • Utah drivers insured with USAA who are convicted of a DUI can expect their insurance rates to double

  • Utah requires $25,000 per person/$65,000 per accident in bodily injury liability coverage and $15,000 in property damage liability. 

  • Utah is a no-fault state, so personal injury protection is also required

Cheapest car insurance companies in Utah

Everything from the car you drive to your age and address will affect what you pay for car insurance. But exactly how insurers use that personal information varies by company, which is why some will offer you more affordable coverage than others.

Company

Average cost

JD Power Rating

GEICO

$856

871

USAA

$890

890

Auto-Owners Insurance

$1,054

890

Nationwide

$1,199

876

State Farm

$1,348

881

Cheapest car insurance companies by age in Utah

Young drivers pay the highest car insurance rates of any age group thanks to their inexperience behind the wheel. Many drivers see a price drop when they turn 25, but that isn’t always the case, especially for young drivers who’ve had accidents and filed claims.

Age

Cheapest company

Average cost

16

Auto-Owners Insurance

$4,163

18

GEICO

$2,321

21

GEICO

$1,201

25

GEICO

$910

30

GEICO

$831

35

GEICO

$868

45

USAA

$842

55

GEICO

$785

Choosing the right car insurance company in Utah

No two drivers are alike, and that’s why it can be so difficult to find affordable car insurance. Whether you’re looking for the cheapest rates you can get or you want top-notch customer service and extra perks, Policygenius can help you compare quotes from top companies so that you can choose the right car insurance company for your needs.

Car insurance rates for drivers with driving violations in Utah

Your driving record is one of the most important factors that car insurance companies consider, and any accidents or moving violations in your recent history will mean higher rates.

Violation

GEICO

USAA

Auto-Owners Insurance

Nationwide

State Farm

At-fault Accident

$1,423

$1,357

$1,670

$2,167

$1,624

DUI

$1,629

$1,754

$2,731

$2,770

$1,496

Driving with a suspended license

$1,951

$1,544

$2,731

$2,770

$1,496

Driving with an open container

$1,629

$1,417

$2,731

$1,492

$1,496

Driving with expired registration

$954

$1,193

$1,060

$1,492

$1,496

Driving without Lights

$1,197

$935

$1,060

$1,492

$1,496

Failure to show documents

$954

$1,193

$1,060

$1,492

$1,496

Failure to stop at a red light

$1,197

$1,193

$1,060

$1,492

$1,496

Cheapest car insurance for drivers with bad credit in Utah

A few late payments might not seem like a big deal, but a bad credit score can mean higher car insurance rates. Utah drivers with poor credit should make sure to shop around to find the company that will offer them the most affordable coverage.

Company

Rates for drivers with bad credit

GEICO

$1,534

Nationwide

$1,740

USAA

$1,995

United Insurance

$2,341

Progressive

$2,401

Car insurance costs in Utah cities

Utah drivers who live in bigger cities generally pay higher car insurance rates than drivers in rural areas. More people on the road means more accidents and filed claims, which increases the cost of car insurance for everyone. Below are the average car insurance rates for the 10 largest cities in Utah:

  • Salt Lake City: $1,721

  • West Valley City: $1,790

  • West Jordan: $1,689

  • Provo: $1,589

  • Orem: $1,624

  • Sandy: $1,632

  • St. George: $1,403

  • Ogden: $1,567

  • South Jordan: $1,593

  • Layton: $1,511

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Buying car insurance in Utah

Utah state law says that all drivers must have car insurance that meets the state minimum amounts, which are:

  • Bodily Injury Liability Coverage Per Person: $25,000

  • Bodily Injury Liability Coverage Per Accident: $65,000 

  • Property Damage Liability Coverage: $15,000

  • Personal Injury Protection Per Person: $3,000

Utah is a no-fault state when it comes to car accidents. In no-fault states, drivers will turn to their own insurance companies for compensation for injuries, regardless of who caused the accident. If the injury-related costs total more than $3,00, drivers may sue for additional compensation.

How to get cheap car insurance in Utah

Many insurance companies offer a variety of discounts on car insurance policies, the most common of which include:

  • Bundling discount: For combining home and auto or another policy from the same company

  • Safe-driver discount: For drivers with no accident claims during a specific timeframe

  • Good student discount: For full-time students who maintain at least a B average in school

  • Low mileage discount: For customers who drive fewer than 7,500 miles annually

Not all drivers qualify for these discounts, so shopping around for coverage is another good way to save money on your insurance.

Frequently asked questions

Who has the cheapest car insurance rates in Utah?

GEICO has the cheapest average rates in the state, at $856 per year for full coverage.

I lost my job and was late on my rent a few times, why does that affect my insurance?

If your landlord reports your late payments, your rates could increase. Insurance companies consider drivers with bad credit scores to be high risk and charge more for car insurance.

I got pulled over for speeding and got a warning, does that affect my rates?

If you only received a warning, then your rates probably will not go up. However, with some companies, a speeding ticket can increase your rates by hundreds of dollars.

I saw a commercial for accident forgiveness, what does that mean?

Accident forgiveness is a program some insurance companies offer that guarantees not to raise your insurance after your first accident claim. It’s sometimes offered as a complimentary perk, but you often have to pay extra for it.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.