- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Utah, with an insurance premium of $95 per month.
- Drivers in Utah with a clean record pay 33% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Utah is Cedar City, with an annual premium of $1,671.
- Utah drivers can save up to 38% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Utah costs $95 per month for a full coverage policy from Nationwide. That’s a $57 savings from the average cost of insurance in the state, which is $152 a month.
“Drivers looking to get the cheapest insurance premiums in Utah should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Utah including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Utah?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for Utah drivers at a monthly rate of $95 or $1,135 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Utah.
Cheapest car insurance rates in Utah per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $95 |
| GEICO | $110 |
| Auto-Owners | $116 |
| Progressive | $154 |
| United Insurance Co | $173 |
| Iowa Farm Bureau | $180 |
| State Farm | $181 |
| Allstate | $190 |
| Farmers | $220 |
| USAA* | $103 |
Note: USAA is only available to military community members and their families.
Who pays a lower insurance premium in Utah?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
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[SKIP state=”MA|MI|MT|HI|NJ”]
- Married drivers pay 6% less than single drivers.
- Utah drivers with clean records pay 33% less than drivers who have a DUI on their records.
- Utah drivers in their 20s pay 67% lower rates for insurance than a 16-year-old in Utah.
- Adding a teen to your policy will cost you 65% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest Utah companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- Nationwide has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Utah.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Utah
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Utah, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$65,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Utah, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| GEICO | $395 |
| Nationwide | $429 |
| Auto-Owners | $432 |
| Progressive | $575 |
| Iowa Farm Bureau | $597 |
| State Farm | $641 |
| Allstate | $726 |
| United Insurance Co | $801 |
| Farmers | $867 |
| USAA* | $360 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Utah
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Utah, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Nationwide | $507 |
| GEICO | $552 |
| Auto-Owners | $554 |
| Iowa Farm Bureau | $729 |
| Progressive | $745 |
| State Farm | $781 |
| Allstate | $914 |
| United Insurance Co | $1,036 |
| Farmers | $1,288 |
| USAA* | $450 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Utah
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Utah from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,135 |
| GEICO | $1,325 |
| Auto-Owners | $1,393 |
| Progressive | $1,845 |
| United Insurance Co | $2,071 |
| Iowa Farm Bureau | $2,154 |
| State Farm | $2,175 |
| Allstate | $2,279 |
| Farmers | $2,638 |
| USAA* | $1,237 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest auto insurance in Utah by driving history
Your driving history impacts insurance premiums in Utah, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Utah, drivers with a history of traffic violation pay an average of $617 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Utah
If you’ve got a speeding ticket on your Utah driving record and need affordable car insurance, Nationwide might be the answer. With an average annual rate of $1,411, Nationwide offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Utah.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,173 | $1,411 | 20% | $238 |
| GEICO | $793 | $1,509 | 90% | $716 |
| Auto-Owners | $1,319 | $1,569 | 19% | $250 |
| State Farm | $1,704 | $1,864 | 9% | $160 |
| Progressive | $1,528 | $1,984 | 30% | $455 |
| American Family | $1,715 | $2,210 | 29% | $495 |
| Allstate | $2,075 | $2,316 | 12% | $240 |
| Farmers | $2,066 | $2,685 | 30% | $618 |
| Kemper Insurance | $2,673 | $3,239 | 21% | $566 |
| USAA* | $959 | $1,224 | 28% | $265 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Utah after a DUI conviction
GEICO offers the cheapest car insurance to Utah drivers with a DUI conviction at $617 per year and Progressive has the second-cheapest insurance premiums at $1,806 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $793 | $1,746 | 120% | $953 |
| Progressive | $1,528 | $1,806 | 18% | $278 |
| State Farm | $1,704 | $1,864 | 9% | $160 |
| American Family | $1,715 | $2,210 | 29% | $495 |
| Nationwide | $1,173 | $2,605 | 122% | $1,432 |
| Farmers | $2,066 | $2,809 | 36% | $742 |
| Allstate | $2,075 | $2,841 | 37% | $766 |
| Kemper Insurance | $2,673 | $2,869 | 7% | $195 |
| Auto-Owners | $1,319 | $3,461 | 162% | $2,142 |
| USAA* | $959 | $1,810 | 89% | $851 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Utah after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is $617, at $1,529 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,024.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $793 | $1,529 | 93% | $736 |
| State Farm | $1,704 | $2,024 | 19% | $320 |
| Nationwide | $1,173 | $2,034 | 73% | $861 |
| Auto-Owners | $1,319 | $2,100 | 59% | $781 |
| Farmers | $2,066 | $2,926 | 42% | $859 |
| Allstate | $2,075 | $2,969 | 43% | $894 |
| Progressive | $1,528 | $3,028 | 98% | $1,500 |
| Kemper Insurance | $2,673 | $3,938 | 47% | $1,265 |
| USAA* | $959 | $1,464 | 53% | $505 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Utah
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Utah, Cedar City stands out as the city with the lowest auto insurance rates, at an average of $1,671 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Utah with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Cedar City | $1,671 |
| Kanarraville | $1,675 |
| Hurricane | $1,680 |
| Moab | $1,682 |
| Thompson | $1,682 |
| Richfield | $1,685 |
| Brian Head | $1,687 |
| Logan | $1,687 |
| Green River | $1,693 |
| Providence | $1,695 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Utah?
Shopping around for car insurance quotes in Utah can help drivers save 38% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Utah: Save on premiums
In Utah, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Utah below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $14 |
| Anti-theft device | 1% | $16 |
| Daily commute | 5% | $76 |
| Days advanced purchase | 8% | $163 |
| Education | 15% | $244 |
| Electronic funds transfer | 5% | $94 |
| Electronic signature | 8% | $165 |
| Homeowner | 7% | $132 |
| Lower annual mileage | 4% | $73 |
| Loyalty – years renewal with company | 7% | $121 |
| Marital status | 6% | $118 |
| Multi policy | 9% | $169 |
| Paperless/electornic documents | 6% | $120 |
| Payment type | 10% | $184 |
| Primary use | 8% | $148 |
| Profession | 14% | $240 |
| Safety devices | 3% | $55 |
| Telematics | 10% | $194 |
| Years insured | 18% | $455 |
| Years licensed | 24% | $901 |
The bottom line on cheap car insurance in Utah
Based on our research, if you are a good driver, Nationwide is the cheapest in Utah for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Utah is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Utah for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/65/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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