The average cost of full coverage car insurance in Utah is $1,555 per year, lower than the national average of $1,638. However, car insurance rates are different for everyone, and whether you live along the Great Salt Lake or the foothills of Zion National Park, you want to be sure you’re getting the best price.
Policygenius can help you see quotes from top companies and choose the best coverage at the lowest rates.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Utah
Everything from the car you drive to your age and address will affect what you pay for car insurance. But exactly how insurers use that personal information varies by company, which is why some will offer you more affordable coverage than others.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $82/month | 874 |
USAA | $82/month | 890 |
Auto-Owners Insurance | $88/month | 865 |
Nationwide | $99/month | 868 |
State Farm | $101/month | 882 |
Cheapest car insurance companies by age in Utah
Young drivers pay the highest car insurance rates of any age group thanks to their inexperience behind the wheel. Many drivers see a price drop when they turn 25, but that isn’t always the case, especially for young drivers who’ve had accidents and filed claims.
Age | Cheapest company | Average cost |
|---|---|---|
16 | GEICO | $3,807 |
18 | USAA | $2,651 |
21 | GEICO | $1,374 |
25 | GEICO | $1,045 |
30 | GEICO | $951 |
35 | GEICO | $987 |
45 | USAA | $930 |
55 | USAA | $892 |
60 | USAA | $889 |
65 | USAA | $924 |
70 | GEICO | $966 |
Choosing the right car insurance company in Utah
No two drivers are alike, and that’s why it can be so difficult to find affordable car insurance. Whether you’re looking for the cheapest rates you can get or you want top-notch customer service and extra perks, Policygenius can help you compare quotes from top companies so that you can choose the right car insurance company for your needs.
Car insurance rates for drivers with driving violations in Utah
Your driving record is one of the most important factors that car insurance companies consider, and any accidents or moving violations in your recent history will mean higher rates.
Violation | GEICO | USAA | Auto-Owners Insurance | Nationwide | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,514 | $1,519 | $1,677 | $2,143 | $1,456 |
Suspended license | $2,085 | $1,730 | $2,743 | $2,737 | $1,342 |
Open container | $1,738 | $1,586 | $2,743 | $1,477 | $1,342 |
Expired registration | $1,091 | $1,333 | $1,064 | $1,477 | $1,342 |
Driving without lights | $1,365 | $1,042 | $1,064 | $1,477 | $1,342 |
Running a red light | $1,365 | $1,333 | $1,064 | $1,477 | $1,342 |
Following too closely | $1,365 | $1,333 | $1,064 | $1,477 | $1,342 |
Hit and run | $2,322 | $2,023 | $2,743 | $2,737 | $1,342 |
Not-at-fault accident | $1,027 | $1,042 | $1,064 | $1,229 | $1,229 |
Passing a school bus | $1,365 | $1,586 | $1,064 | $2,737 | $1,342 |
Reckless driving | $2,322 | $1,586 | $2,743 | $2,737 | $1,342 |
Cheapest car insurance for drivers with a DUI in Utah
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,342 |
GEICO | $1,738 |
USAA | $1,967 |
Nationwide | $2,737 |
Auto-Owners Insurance | $2,743 |
Cheapest car insurance for drivers with a speeding ticket in Utah
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,333 |
State Farm | $1,342 |
Auto-Owners Insurance | $1,358 |
Nationwide | $1,477 |
GEICO | $2,322 |
→ Read more about finding SR-22 insurance in Utah
Cheapest car insurance for drivers with bad credit in Utah
A few late payments might not seem like a big deal, but a bad credit score can mean higher car insurance rates. Utah drivers with poor credit should make sure to shop around to find the company that will offer them the most affordable coverage.
Company | Rates for drivers with bad credit |
|---|---|
Nationwide | $1,720 |
GEICO | $1,765 |
USAA | $2,228 |
Farm Bureau | $2,397 |
Progressive | $2,414 |
Car insurance costs in Utah cities
Utah drivers who live in bigger cities generally pay higher car insurance rates than drivers in rural areas. More people on the road means more accidents and filed claims, which increases the cost of car insurance for everyone. Below are the average car insurance rates for the 10 largest cities in Utah:
Salt Lake City: $1,766
West Valley City: $1,859
West Jordan: $1,750
Provo: $1,644
Orem: $1,681
Sandy: $1,691
St. George: $1,464
Ogden: $1,634
South Jordan: $1,651
Layton: $1,568
Buying car insurance in Utah
Utah state law says that all drivers must have car insurance that meets the state minimum amounts, which are:
Bodily Injury Liability Coverage Per Person: $25,000
Bodily Injury Liability Coverage Per Accident: $65,000
Property Damage Liability Coverage: $15,000
Personal Injury Protection Per Person: $3,000
Utah is a no-fault state when it comes to car accidents. In no-fault states, drivers will turn to their own insurance companies for compensation for injuries, regardless of who caused the accident. If the injury-related costs total more than $3,000, drivers may sue for additional compensation.
How to get cheap car insurance in Utah
Many insurance companies offer a variety of discounts on car insurance policies, the most common of which include:
Bundling discount: For combining home and auto or another policy from the same company
Safe-driver discount: For drivers with no accident claims during a specific timeframe
Good student discount: For full-time students who maintain at least a B average in school
Low mileage discount: For customers who drive fewer than 7,500 miles annually
Not all drivers qualify for these discounts, so shopping around for coverage is another good way to save money on your insurance.
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Frequently asked questions
Who has the cheapest car insurance rates in Utah?
GEICO has the cheapest average rates in the state, at $980 per year for full coverage.
Does Utah require car insurance?
Yes, Utah requires drivers to have a minimum of $25,000 per person, $65,000 per accident in bodily injury liability and $15,000 in property damage liability coverage. Utah drivers are also required to have $3,000 in Personal Injury Protection (PIP) per person.
Is Utah an at fault or a no-fault state?
Utah is a no-fault state. That means that if you’re hurt in a car accident, you file a claim for your injuries with your own car insurance company, even if another driver was at-fault. No-fault states require drivers to have PIP coverage to pay for the cost of their own medical expenses.
How much is car insurance per month in Utah?
Drivers in Utah pay an average of $1,555 per year for car insurance, which breaks down to $130 per month.
