Cheap Car Insurance in Utah (2024)
Auto-Owners has the cheapest car insurance in Utah, charging an average rate of $1,364 a year for full-coverage policies. Auto-Owners also offers the state’s cheapest rates for liability coverage.
However, Progressive is Utah’s cheapest car insurance company for drivers with a DUI (driving under the influence) conviction and for those with poor credit. Farm Bureau is the state’s cheapest auto insurer for young drivers.
Most affordable car insurance in Utah by type
| Coverage/driver type | Cheapest company | Annual rate |
|---|---|---|
| Full coverage | Auto-Owners | $1,364 |
| Liability coverage | Auto-Owners | $615 |
| Young drivers | Auto-Owners | $4,507 |
| Speeding ticket | Auto-Owners | $1,364 |
| Accident | Auto-Owners | $2,261 |
| DUI | Progressive | $1,846 |
| Poor credit | Progressive | $2,512 |
Cheapest full-coverage car insurance in Utah: Auto-Owners
Auto-Owners has the cheapest full-coverage car insurance in Utah, with rates that average $114 a month.
USAA offers an even cheaper average rate of $104 a month, but only members of the military and their families can buy from USAA.
| Company | Annual rate |
|---|---|
| Auto-Owners | $1,364 |
| Progressive | $1,553 |
| American Family | $1,767 |
| Geico | $2,348 |
| Allstate | $2,508 |
| State Farm | $2,532 |
| Farm Bureau | $3,462 |
| Farmers | $3,577 |
| USAA* | $1,242 |
Full-coverage car insurance usually includes liability, comprehensive and collision coverages. This protects you from damage to your vehicle and injuries, as well as injuries and damage you might cause to others.
To get your cheapest rate for full coverage or any amount of coverage, compare car insurance quotes from multiple companies before you buy.
Cheapest Utah liability-only coverage: Auto-Owners
Auto-Owners is also Utah’s cheapest liability car insurance company, with rates averaging $51 a month. Farm Bureau’s liability rates are nearly as low, at $52 a month.
These rates are about 38% cheaper than the state average rate of $82 a month.
| Company | Annual rate |
|---|---|
| Auto-Owners | $615 |
| Farm Bureau | $629 |
| Progressive | $816 |
| American Family | $1,031 |
| Geico | $1,103 |
| State Farm | $1,215 |
| Allstate | $1,333 |
| Farmers | $1,667 |
| USAA* | $490 |
Liability car insurance protects you against injuries you cause to other people in a car accident. It also helps pay for damage you cause to someone else’s vehicle or property. However, it won’t cover your own injuries or damage to your car.
Cheapest rates for young drivers in Utah: Farm Bureau and Auto-Owners
Farm Bureau offers the cheapest car insurance for young drivers in Utah who buy liability-only policies, at an average of $149 a month.
However, Auto-Owners is the state’s cheapest company for young drivers who buy full-coverage car insurance, at $376 a month.
| Company | Liability coverage | Full coverage |
|---|---|---|
| Farm Bureau | $1,786 | $9,534 |
| Auto-Owners | $2,331 | $4,507 |
| Progressive | $2,921 | $7,654 |
| American Family | $3,123 | $5,365 |
| Geico | $3,233 | $6,522 |
| State Farm | $3,986 | $8,008 |
| Allstate | $4,688 | $8,984 |
| Farmers | $6,531 | $13,159 |
| USAA* | $1,256 | $2,849 |
Teen and other young drivers pay a lot for car insurance, as they tend to get into more accidents than older drivers do. If you’re a teen driver, your car insurance rates will go down as you age — especially after you turn 25.
You’ll usually pay less for car insurance as a young or teen driver if you can get added to a parent’s policy.
Cheapest rates after a speeding ticket in Utah: Auto-Owners
The cheapest car insurance company for Utah drivers with a speeding ticket or similar traffic violation on their records is Auto-Owners. Its average rate for these drivers is $114 a month.
| Company | Annual rate |
|---|---|
| Auto-Owners | $1,364 |
| Progressive | $1,981 |
| American Family | $2,256 |
| State Farm | $2,706 |
| Allstate | $2,787 |
| Geico | $3,056 |
| Farm Bureau | $3,929 |
| Farmers | $4,980 |
| USAA* | $1,594 |
On average, Utah drivers with a speeding ticket pay 21% more for car insurance than they would with a clean driving record.
Cheapest rates after an accident in Utah: Auto-Owners
Utah drivers with an at-fault accident on their records will generally find the cheapest car insurance from Auto-Owners, at an average rate of $188 a month.
This is 65% higher than what Auto-Owners charges drivers with clean records.
| Company | Annual rate |
|---|---|
| Auto-Owners | $2,261 |
| Progressive | $2,347 |
| American Family | $2,807 |
| State Farm | $2,950 |
| Allstate | $3,604 |
| Geico | $4,435 |
| Farm Bureau | $5,369 |
| Farmers | $5,372 |
| USAA* | $1,822 |
Drivers in Utah see their car insurance rates go up an average of 53% after an at-fault accident.
Cheapest rates after a DUI in Utah: Progressive
Progressive has the cheapest car insurance for drivers with a DUI on their records, charging an average rate of $154 a month.
American Family is the next-best option, at $188 a month.
| Company | Annual rate |
|---|---|
| Progressive | $1,846 |
| American Family | $2,256 |
| Allstate | $3,396 |
| Auto-Owners | $3,582 |
| Farm Bureau | $3,929 |
| Geico | $4,395 |
| Farmers | $4,825 |
| State Farm | $6,169 |
| USAA* | $2,365 |
Utah drivers with a DUI on their records pay an average car insurance rate 61% higher than for drivers with clean records.
Best Utah rates for bad credit: Progressive
Progressive also offers the cheapest car insurance for drivers with bad credit, at an average rate of $209 a month.
Utah drivers with poor credit tend to pay 80% more for car insurance than do drivers with good credit.
Car insurance companies often charge higher rates to people with bad credit, as they think they’re more likely to file claims than people with good credit.
| Company | Annual rate |
|---|---|
| Progressive | $2,512 |
| American Family | $3,154 |
| Auto-Owners | $3,687 |
| Geico | $4,326 |
| Allstate | $4,429 |
| State Farm | $5,126 |
| Farmers | $5,467 |
| Farm Bureau | $6,536 |
| USAA* | $1,242 |
Utah insurance rates by city
Drivers in Logan and St. George pay the lowest car insurance rates, on average, among Utah’s largest cities. Logan’s average rate is $170 a month, while St. George’s is $172.
West Valley City residents pay the state’s highest car insurance rates, averaging $218 a month. Kearns residents are close behind, with rates that average $216 a month.
| City | Annual rate |
|---|---|
| Bountiful | $2,259 |
| Draper | $2,358 |
| Eagle Mountain | $2,331 |
| Herriman | $2,375 |
| Kearns | $2,596 |
| Layton | $2,204 |
| Lehi | $2,281 |
| Logan | $2,043 |
| Millcreek | $2,455 |
| Murray | $2,487 |
| Ogden | $2,272 |
| Orem | $2,392 |
| Pleasant Grove | $2,353 |
| Provo | $2,340 |
| Riverton | $2,343 |
| Roy | $2,267 |
| Salt Lake City | $2,482 |
| Sandy | $2,366 |
| Saratoga Springs | $2,298 |
| South Jordan | $2,361 |
| Spanish Fork | $2,262 |
| St. George | $2,058 |
| Taylorsville | $2,535 |
| West Jordan | $2,498 |
| West Valley City | $2,612 |
Where you live is just one of many rate factors that determine what you pay for car insurance. Some of the other factors that affect your policy cost are:
- Your vehicle’s make and model
- Your age, gender and marital status
- Your driving record
- Your insurance history
Car insurance laws in Utah
Utah drivers must have at least a minimum amount of bodily injury and property damage liability car insurance coverage to drive legally.
Minimum coverage for car insurance in Utah
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $65,000 |
| Personal property liability (per accident) | $15,000 |
| Personal injury protection (PIP) | $3,000 |
Drivers must carry proof of insurance with them and present it to law enforcement officers upon request.
If you’re convicted of driving without insurance in Utah, the state may suspend your driver’s license and registration. It can also fine you — at least $400 for a first offense, and $1,000 for any future offenses.
Frequently asked questions
Full-coverage car insurance costs $2,261 a year, on average, in Utah. Paid monthly, the average is $188.
The average cost of liability car insurance in Utah is $989 a year, or $82 a month.
Yes, you need car insurance to drive legally in Utah.
You’ll need at least $25,000/$65,000 of bodily injury liability coverage (per person and per accident, rspectively) and $15,000 of personal property liability coverage. You’ll also need at least $3,000 of PIP.
Utah’s cheapest car insurance company is Auto-Owners. It charges $615 a year for liability coverage, on average, and $1,364 a year for full coverage.
Yes, Utah is a no-fault state for car insurance. This means that if you’re injured in a car accident, you file a claim with your own insurance company no matter who caused the crash.
In Utah, your insurer will pay the first $3,000 of your medical expenses using your personal injury protection (PIP) coverage. After that, you can file a claim against the at-fault driver to cover the rest of your bills.