When it comes to finding the best car insurance in Utah, we’ve done the research for you. We compared the best car insurance companies based on coverage, customer experience, discounts, and the claims process.
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. Many factors affect your premium, so what’s best for your neighbor might not be best for you.
Use our tool below to start comparing personalized car insurance quotes:
In this article:
- Cheapest Car Insurance Companies In Utah
- Best Car Insurance For Utah Drivers
- State Requirements For Utah Car Insurance
- Is Utah A No-Fault State?
- What Happens If You Drive Without Insurance In Utah?
- FAQ About Car Insurance: Utah
Cheapest Car Insurance Companies In Utah
According to our rate estimates, USAA is the cheapest car insurance in Utah with an average annual cost of $872. This applies to a 35-year-old driver with a good driving record and full coverage. Geico and Progressive are two other affordable providers in Utah.
|Car Insurance Provider||Average Annual Cost Estimate|
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 24th most expensive state for car insurance in 2018, with drivers paying an average of $941 annually.
Here’s a closer look at the cost of liability, collision, and comprehensive car insurance in Utah:
|Type of Insurance||Average Premium in 2018|
|Total average expenditure||$941|
*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 2018.
Like all states, Utah car insurance prices are affected by things like average annual mileage rates, the 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.
Annual Utah Car Insurance Estimates By Age
In Utah, a 24-year-old driver can pay 39 percent more for car insurance just for being young. This is because younger drivers are statistically more likely to get into accidents (and cost the insurance company money).
|Age||Utah Annual Car Insurance|
Annual Utah Car Insurance Estimates By Gender
According to our rate estimates, women pay just a few more dollars (literally) than men for car insurance annually.
|Gender||Utah Annual Car Insurance|
Annual Utah Car Insurance Estimates For Drivers With Bad Credit
In Utah, having a fair credit score can raise your car insurance rate by about 25 percent, while having a poor score can increase it by a whopping 97 percent.
|Credit Rating||Utah Annual Car Insurance|
Annual Utah Car Insurance Estimates For Bad Drivers
Prices for car insurance in Utah also depend on your driving record. A single speeding ticket can increase your rates by 26 percent, and having an at-fault accident can raise them by 61 percent.
|Driving Record||Utah Annual Car Insurance|
Factors That Affect Utah Car Insurance Quotes
There are many factors that can influence car insurance quotes in Utah. The rates of car insurance vary depending on information such as:
- Personal information: Your age, gender, marital status, and credit score affect the amount you pay for car insurance.
- Vehicle information: You’ll provide the make, model and year of the vehicle you’re looking to insure to determine the price of your auto insurance.
- Which provider you choose: The cost of coverage depends on the insurance provider that you choose to underwrite your policy and the amount of coverage on your policy.
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
- Customer service
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||Average Cost Estimate|
*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.
#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 solid financial strength ratings, 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.
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.
|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.
#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 863 out of 1,000 in the J.D. Power 2021 U.S. Auto Insurance Study℠ for the Southwest region. USAA actually scored the highest among providers but was not placed in the rankings because it is 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.
|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.
#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 2021 U.S. Auto Insurance Study, ranking just below USAA in the Southwest region.
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.
|Ideal for young drivers or people who want to bundle multiple policies||Limited locations|
|Known for low rates||Negative reviews about the 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.
#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++ financial strength rating from AM Best, State Farm shows it has the 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.
|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|
Learn more about the car insurance provider in our full State Farm auto insurance review.
#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 2021 U.S. Auto Insurance Study, Allstate ranked just below average for the region.
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 a broad range of coverage benefits make this company an easy recommendation for car insurance in Utah.
Works through a network of local agents to provide coverage in all 50 states
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 to collect and compare auto insurance quotes from providers in Utah:
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 its 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 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 the 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 to see how your specific location in Utah compares to the state average:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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