How to Compare Car Insurance Rates 2024
How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Car Insurance in Utah (2024)

Published on:
Content was accurate at the time of publication.

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.

Find the Cheapest Car Insurance Quotes in Utah

Most affordable car insurance in Utah by type

Coverage/driver typeCheapest companyAnnual rate
Full coverageAuto-Owners$1,364
Liability coverageAuto-Owners$615
Young driversAuto-Owners$4,507
Speeding ticketAuto-Owners$1,364
Poor creditProgressive$2,512

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.

CompanyAnnual rate
American Family$1,767
State Farm$2,532
Farm Bureau$3,462

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.

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.

CompanyAnnual rate
Farm Bureau$629
American Family$1,031
State Farm$1,215

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.

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.

CompanyLiability coverageFull coverage
Farm Bureau$1,786$9,534
American Family$3,123$5,365
State Farm$3,986$8,008

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.

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.

CompanyAnnual rate
American Family$2,256
State Farm$2,706
Farm Bureau$3,929

On average, Utah drivers with a speeding ticket pay 21% more for car insurance than they would with a clean driving record.

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.

CompanyAnnual rate
American Family$2,807
State Farm$2,950
Farm Bureau$5,369

Drivers in Utah see their car insurance rates go up an average of 53% after an at-fault accident.

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.

CompanyAnnual rate
American Family$2,256
Farm Bureau$3,929
State Farm$6,169

Utah drivers with a DUI on their records pay an average car insurance rate 61% higher than for drivers with clean records.

Find the Cheapest Car Insurance Quotes in Utah

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.

CompanyAnnual rate
American Family$3,154
State Farm$5,126
Farm Bureau$6,536

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.

CityAnnual rate
Eagle Mountain$2,331
Pleasant Grove$2,353
Salt Lake City$2,482
Saratoga Springs$2,298
South Jordan$2,361
Spanish Fork$2,262
St. George$2,058
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

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 typeMinimum 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.

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.


The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Utah (or the U.S., in the case of national averages).

Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.

Full-coverage policies include these coverages, limits and deductibles:

  • Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
  • Property damage liability: $25,000 limit
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

*USAA is only available to current and former members of the military as well as certain family members.