Drivers in Utah must comply with state requirements to stay on the right side of the law.

 

When it comes to finding the best car insurance in Utah, we’ve done the research for you. We compared best car insurance companies based on coverage, customer experience, discounts, and the claims process to determine which provider is best.

In this article, you’ll learn how to find the cheapest Utah car insurance, what type of coverage you are required to carry by law, and more about driving in the Beehive State.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or simply call (844) 246-8209 to start comparing personalized car insurance quotes:

 

In this article:

Best Car Insurance For Utah Drivers

You have options for affordable car insurance in Utah. In fact, you may feel like you have too many options. To help save you time and effort, we have found the top five choices for car insurance providers in Utah. Each of them performed well in our research of the best car insurance companies, where we ranked providers on the following:

  • Financial strength
  • Availability
  • Customer service
  • Cost
  • Coverage
  • Technology

Overall, we think Geico is the best choice for Utah car insurance because of its reputation for quick claims and low average cost.

Best Utah Car Insurance Motor1 Rating Customer Service Affordability Coverage

1. Geico Car Insurance

4.5

4.0

4.0

4.0

2. USAA Auto Insurance

5.0

5.0

4.5

4.5

3. American Family Auto Insurance

4.0

3.5

4.0

4.5

4. State Farm Car Insurance

4.5

3.5

4.0

4.0

5. Allstate Insurance

4.0

3.5

3.0

4.0

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for auto insurance in Utah.

 


 

Geico Insurance logo

#1 Geico: First Choice For Utah Car Insurance

Geico is the second largest insurance provider in the country and has a reputation for creative marketing campaigns, but Geico offers more than just a charming mascot. In our research, we found that Geico has great financial strength and customer service ratings, average to low premiums, and tech that makes it easy to work with the provider.

The insurance company has an A+ rating with the Better Business Bureau (BBB) and an A++ rating in financial strength from AM Best, demonstrating that finances are not a hindrance to the fulfillment of customer claims. Geico ranked highest among Large Carriers in the J.D. Power U.S. Insurance Shopping Study in 2020. J.D. Power also ranked Geico No. 1 for the Southwest region (which includes Arizona, Colorado, Nevada, New Mexico, and Utah) in its 2020 U.S. Auto Insurance Satisfaction StudySM. Overall, the provider checks all of our boxes for great Utah auto insurance.

In addition to standard coverages such as liability insurance and collision insurance, motorists with a Geico policy can opt for coverage like:

  • Mechanical breakdown insurance
  • Classic car coverage
  • Rideshare insurance
  • Rental car reimbursement
  • Emergency roadside assistance

After doing our homework, we’ve rated Geico as the best car insurance provider available to all consumers nationwide, and we think it’s the best choice for car insurance in Utah too.

Pros Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
High level of customer satisfaction  
Available in 50 states  

To learn more about the car insurance provider, check out our complete Geico auto insurance review.

 


 

USAA Insurance logo

#2 USAA: Best For Military

USAA is only available for military members and their families, but an excellent option for those who are eligible. USAA rates high in industry standing, coverage, cost, and customer service.

AM Best rates USAA at A++ (Superior) for financial stability, and USAA scored 876 out of 1,000 in the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study for the Southwest region. USAA actually scored the highest among providers but was not placed in the rankings because it it not available to all drivers.

USAA customers can purchase all the standard types of car insurance, as well as guaranteed asset protection (GAP) and car replacement assistance products.

Overall, we think USAA is one of the best choices in most states for those who are eligible. The company offers superior claims servicing and some of the most affordable prices in the industry. It regularly scores highly in J.D. Power studies.

Pros Cons
Affordable rates and numerous discounts Only available for military and their families
Good option for military members and young drivers  
Superior financial strength rating and A- rating from the BBB  

To learn more about the car insurance provider, check out our review of USAA auto insurance.

 


 

American Family Insurance logo

#3 American Family: Best Local Service

American Family Insurance is not available in every state, but is an option for car insurance in Utah. The company scored well in the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study, tying with Geico for first in the Southwest region. Both American Family and Geico scored 834 out of a possible 1,000 points.

While American Family is not accredited by the BBB, it does hold an A rating. It also has an A financial strength rating from AM Best, indicating an excellent ability to meet claims obligations.

In addition to offering standard coverage options like liability and comprehensive insurance, American Family offers rental car reimbursement, rideshare insurance, roadside assistance, and gap insurance.

American Family does not have the nationwide availability of Geico, but for car insurance in Utah it competes with Geico in customer satisfaction, coverage, and cost. Utah drivers would do well to reach out for a quote.

Pros Cons
Ideal for young drivers or people who want to bundle multiple policies Limited locations
Known for low rates Negative reviews about claims process
Several discounts available  
MyAmFam app to manage your account  

To learn more about American Family Insurance, read our review of American Family auto insurance.

 


 

State Farm Insurance logo

#4 State Farm: Best For Students

State Farm is the largest insurance provider in the United States and among our top choices for Utah auto insurance. The provider has been in business since 1922 and has built up a substantial reputation. With an A+ rating from the BBB and an A++ financial strength rating from AM Best, State Farm shows it has the customer service and financial means to successfully fulfill claims.

State Farm offers standard insurance coverage, as well as rental and travel insurance, which will cover the cost of a car rental, lodging, and food if you’re left without a car more than 50 miles from home. Classic car insurance and sports car insurance are also options for those shopping for Utah car insurance.

State Farm has the reputation, coverage, and customer experience to make it a great choice for affordable car insurance in Utah. We also like the provider’s variety of available discounts, which include student discounts, multi-car discounts, and more.

Pros Cons
Comprehensive coverage offerings and extensive selection of discounts Reported errors with autopay
Largest auto insurer in the country, available in 48 states Not taking new customers in Massachusetts or Rhode Island
Many discounts for teens and students Higher rates than some competitors
Easy online quotes process and positive customer reviews  
Superior financial strength rating and A+ rating from the BBB  

Learn more about the car insurance provider in our full State Farm auto insurance review.

 


 

Allstate Insurance logo

#5 Allstate: Excellent Local Agents

Allstate offers extensive coverage and a wide range of discount opportunities. It provides good customer service through its network of local agents.

While the BBB does not accredit Allstate, the insurer has an A+ rating. AM Best gives Allstate a “Superior” financial strength rating, indicating that Allstate can easily meet its financial obligation to customers. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study, Allstate ranked third with a score of 830 out of 1,000.

In addition to the basic types of coverage, Allstate offers:

  • Rideshare insurance for those who drive for ride-for-hire services like Uber or Lyft
  • Classic car insurance for those with antique vehicles, custom builds, and hot rods
  • Mexican travel insurance for policyholders who drive their cars into Mexico
  • Custom parts coverage for those who have installed aftermarket parts or sound equipment

If you want to work with a local agent, Allstate is an excellent choice. The wide range of discount opportunities and broad range of coverage benefits make this company an easy recommendation for car insurance in Utah.

Pros Cons

Works through a network of local agents to provide coverage in all 50 states

Expensive

Superior financial strength rating and A+ rating from the BBB

Mixed customer service reviews

Mileage-based discount program

 

To learn more about the car insurance provider, check out our complete Allstate insurance review.

 


 

Enter your zip code in the tool below or simply call (844) 246-8209 to collect and compare auto insurance quotes from providers available in your state:

 

 


 

State Requirements For Utah Car Insurance

We’ve already established that car insurance is a legal requirement for drivers in almost every state. But what exactly changes from one state to another?

Well, laws about car insurance requirements are set at the state level, not the federal level, so each state gets to set their own regulations about what type and how much insurance drivers need to have. That means that while one state may require only very minimal coverage, another one may require drivers to take out very comprehensive insurance policies. Consequently, states that require higher levels of coverage will also generally have a higher average premium.

When shopping for car insurance in Utah, keep in mind that all drivers must have at least the following state minimum coverage:

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

The loss of income portion of PIP coverage may be rejected in writing, and uninsured/underinsured motorist coverage may be rejected in writing.

Do You Need More Coverage?

While the numbers above represent the minimum requirements for Utah car insurance, it’s generally recommended that motorists take out more than the absolute minimum. If you end up getting into a car accident and causing $100,000 worth of bodily injury damage, your insurance will only cover $65,000, and you’ll be on the hook for $35,000.

Here’s a closer look at what each type of standard insurance covers, including collision insurance, comprehensive insurance, and medical payments, which are not required by Utah state laws.

  • Liability car insurance: Covers you for property damage or injuries you cause to a third party, as well as any legal fees they may sustain from a lawsuit
  • Collision coverage: Covers your vehicle in a car accident
  • Comprehensive car insurance: Covers you from damage received in non-collision incidents such as floods, fires, theft, and vandalism
  • Personal injury protection: Covers medical expenses, lost wages, and death benefits for you and your passengers
  • Medical payments: Covers medical expenses for you and your passengers with no waiting period while claims are being settled
  • Uninsured/underinsured motorist coverage: Covers you in the event that you get into an accident with a driver who doesn’t have sufficient car insurance coverage

 


 

Is Utah A No-Fault State?

Utah is a no-fault state. This means that if you get into an accident in Utah, you’ll need to file a claim with your insurance company no matter who was at fault in the accident. Any minor injury or property damage will be covered by your own insurance, not the other driver’s insurance. However, if there are any serious injuries or damage over a certain threshold (known as the “tort threshold”), you can bring the case to court and sue.

 


 

What Is The Average Cost Of Car Insurance In Utah?

How much you pay for car insurance in Utah is about average when compared to other states. According to the Insurance Information Institute (III), Utah was the 28th most expensive state for car insurance in 2017, with drivers paying an average of $889.67.

Here’s a closer look at the cost of liability, collision, and comprehensive car insurance in Utah:

Type of Insurance Average Premium in 2017
Liability coverage $568.07
Collision coverage $293.62
Comprehensive coverage $122.44
Total average expenditure $889.67
 

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Utah drivers actually spent on auto insurance in 2017.

Like all states, Utah car insurance prices are affected by things like average annual mileage rates, likelihood of accidents, and more. Luckily, Utah has one of the lowest drunk driving rates, so drivers may get a break on their premiums because of that.


 

What Happens If You Drive Without Insurance In Utah?

Driving without car insurance in Utah is a criminal offense and requires the offending driver to appear in court. It is technically considered a class B misdemeanor, and a conviction may appear on a criminal background check.

If you’re caught driving without car insurance in Utah, you may suffer the following penalties:

  • Driver’s license suspension
  • Vehicle registration suspension
  • Vehicle impounding
  • $400 minimum fine on first offense
  • $1,000 minimum fine on subsequent offenses

Put simply: Don’t drive without car insurance in Utah. Whether you are heading to Salt Lake City or St. George, if you’re going to hit the open road, make sure you have an insurance policy in place first – preferably one that covers you beyond the state required minimum.

You can also use this tool or call (844) 246-8209 to see how your specific location in Utah compares to the state average:

 

 


 

FAQ About Car Insurance: Utah

Who has the cheapest car insurance in Utah?

Across the board, USAA car insurance has the cheapest car insurance rates in Utah. However, USAA insurance is only available to military members and their families. For the general public, we found the cheapest car insurance in Utah with Geico car insurance and State Farm auto insurance.

How much is car insurance in Utah?

According to the III, Utah drivers payed an average of $889.67 for car insurance in 2017. However, the cost can vary widely from driver to driver based on your driving history, age, and vehicle. Other factors, such as your zip code, affect your premium too. The best way to figure out how much you will pay for car insurance in Utah is to compare multiple auto insurance quotes from reputable car insurance companies.

What car insurance is required in Utah?

Drivers in Utah need a minimum of $25,000 in bodily injury liability per person, $65,000 in bodily injury liability per accident, $15,000 in property damage liability, and $3,000 in personal injury protection. The loss of income portion of PIP coverage may be rejected in writing. Additionally, $25,000 of uninsured/underinsured motorist coverage per person and $65,000 per accident is required unless you reject the coverage in writing.

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