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

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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 (855) 518-0148 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 two choices for car insurance providers in Utah. Both 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 Our Overall Rating Customer Service Grade Affordability Coverage

1. Geico Car Insurance

4.5

4.0

4.0

4.0

2. State Farm Car Insurance

4.5

3.5

4.0

4.0

 


 

Geico Insurance logo

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. J.D. Power also ranked Geico highly in its 2019 U.S. Auto Claims Satisfaction Study. 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.

Quotes And Claims

Geico is known for its easy quotes process. Prospective customers can get a quote by navigating to the website and inputting personal information and vehicle details. Shortly thereafter, Geico will provide a quote for a policy, which can be purchased online. There are also local Geico agents that you can visit to purchase your Utah car insurance policy.

Geico customers have several ways to file a claim: online, via an app, in-person, and over the phone. The provider really shines when it comes to its mobile app, which was the highest-rated insurance app on the Google Play store at the time we conducted our research.

Our Verdict

After doing our homework, we’ve rated Geico as the best car insurance provider available to all consumers, and we think it’s the best choice for car insurance in Utah. Geico provides reasonable premiums, good customer service, and convenience in the form of its top-notch mobile app. Additionally, optional accident forgiveness coverage offers financial protection that some auto insurance companies don’t provide.

Pros Cons

Affordability

Average quote experience

Second largest company in the nation

 

Good for students

 

Good for military

 

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

 


 

State Farm Insurance logo

State Farm: Runner-Up For Utah Car Insurance

State Farm is the largest insurance provider in the United States and our second choice 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 fulfill claims.

Additionally, J.D. Power named State Farm the second best provider in the Southwest its 2019 U.S. Auto Insurance Study based on customer satisfaction.

State Farm car insurance offers standard insurance coverages, as well as standout coverage options like 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.

Quotes And Claims

Getting a quote from State Farm is a straightforward process: You can either go online or contact State Farm by phone. You’ll simply fill out some information about yourself and your vehicle, and you’ll receive a PDF detailing your suggested coverage by email.

Like Geico, State Farm offers four ways to file a claim: online, via a mobile app, by phone, or directly with an agent. The variety of options makes filing a claim with State Farm convenient and far easier than some of its competitors that only provide telephone filing service.

Our Verdict

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

Affordability

Does not offer accident forgiveness

Customers report strong claims and service experience

 

Good for students and young drivers

 

Discounts for bundling several types of insurance 

 

To learn more about the car insurance provider, check out our review of State Farm car insurance.

 


 

Enter your zip code in the tool below or simply call (855) 518-0148 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 a very comprehensive insurance policy. 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 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 coverage: 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
 

*To calculate average expenditures, National Association of Insurance Commissioners assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

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 classified as 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 be hitting 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 (855) 518-0148 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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