The cheapest full coverage car insurance in Utah is $95, saving you $57 compared to the average cost of insurance in the state, which is around $152 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Utah, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- According to recent data, Nationwide offers the cheapest full coverage car insurance in Utah at $95 per month.
- Utah drivers with a clean driving record pay 33% less for car insurance than drivers with a DUI.
- In Utah, the city of Cedar City has the most affordable car insurance rates at $1,671 annually.
- Comparing price quotes from multiple insurers can help you save up to 38% per year on your car insurance policy in Utah.
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 the lowest auto insurance premiums in Utah?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 6% less than single drivers.
- Utah drivers with clean records pay 33% less than drivers who have a DUI on their record.
- 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 companies for state minimum coverage in Utah
In Utah, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Utah’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 liability-only coverage in Utah
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Utah, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance companies in Utah for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Utah based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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 in Utah after a speeding ticket
If you have a speeding ticket on your Utah driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,411 per year.
| 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 premiums in Utah after a DUI conviction
Utah drivers with a DUI on their record can get the cheapest car insurance from GEICO at an average of $617 a year, followed by Progressive with an annual premium of $1,806 annually, based on recent data.
If you have a clean record, you are likely to pay 33% less for car insurance than someone with a 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 rates after an at-fault accident in Utah
$617 is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,529.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,024.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| 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
Which cities in Utah have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Utah is Cedar City, at $1,671 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Utah with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Utah
If you compare car insurance quotes, you could enjoy an annual saving of around 38% on a full coverage policy in Utah.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Utah: Save on premiums
Car insurance discounts in Utah can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Utah.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 |
Final thoughts on cheap car insurance in Utah
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Utah for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Utah, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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