The best car insurance in Utah

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average cost of full coverage car insurance in Utah is $1,555 per year, lower than the national average of $1,638. 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 $980 per year for full coverage.

  • 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

$980

874

USAA

$987

890

Auto-Owners Insurance

$1,058

865

Nationwide

$1,186

868

State Farm

$1,211

882

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

GEICO

$3,807

18

USAA

$2,651

21

GEICO

$1,374

25

GEICO

$1,045

30

GEICO

$951

35

GEICO

$987

45

USAA

$930

55

USAA

$892

60

USAA

$889

65

USAA

$924

70

GEICO

$966

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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

$1,514

$1,519

$1,677

$2,143

$1,456

DUI

$1,738

$1,967

$2,743

$2,737

$1,342

Suspended license

$2,085

$1,730

$2,743

$2,737

$1,342

Open container

$1,738

$1,586

$2,743

$1,477

$1,342

Expired registration

$1,091

$1,333

$1,064

$1,477

$1,342

Driving without lights

$1,365

$1,042

$1,064

$1,477

$1,342

Running a red light

$1,365

$1,333

$1,064

$1,477

$1,342

Following too closely

$1,365

$1,333

$1,064

$1,477

$1,342

Hit and run

$2,322

$2,023

$2,743

$2,737

$1,342

Not-at-fault accident

$1,027

$1,042

$1,064

$1,229

$1,229

Passing a school bus

$1,365

$1,586

$1,064

$2,737

$1,342

Reckless driving

$2,322

$1,586

$2,743

$2,737

$1,342

Speeding

$2,322

$1,333

$1,358

$1,477

$1,342

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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

Nationwide

$1,720

GEICO

$1,765

USAA

$2,228

Farm Bureau

$2,397

Progressive

$2,414

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: $1,766

  • West Valley City: $1,859

  • West Jordan: $1,750

  • Provo: $1,644

  • Orem: $1,681

  • Sandy: $1,691

  • St. George: $1,464

  • Ogden: $1,634

  • South Jordan: $1,651

  • Layton: $1,568

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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 $3,000, 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.

Find car insurance in your city:

Frequently asked questions

Who has the cheapest car insurance rates in Utah?

GEICO has the cheapest average rates in the state, at $980 per year for full coverage.

Does Utah require car insurance?

Yes, Utah requires drivers to have a minimum of $25,000 per person, $65,000 per accident in bodily injury liability and $15,000 in property damage liability coverage. Utah drivers are also required to have $3,000 in Personal Injury Protection (PIP) per person.

Is Utah an at fault or a no-fault state?

Utah is a no-fault state. That means that if you’re hurt in a car accident, you file a claim for your injuries with your own car insurance company, even if another driver was at-fault. No-fault states require drivers to have PIP coverage to pay for the cost of their own medical expenses.

How much is car insurance per month in Utah?

Drivers in Utah pay an average of $1,555 per year for car insurance, which breaks down to $130 per month.

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.

Authors

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

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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