You can find the cheapest full-coverage car insurance in Utah for $95 a month from Nationwide. It saves you $57 compared to the state average car insurance cost of $152 monthly.
Shopping for car insurance in Utah can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- Nationwide has the cheapest car insurance rates in Utah for full coverage at $95 a month among the companies analyzed by the team of CarInsurance.com.
- In Utah, drivers with clean driving records pay 33% less than drivers with a DUI.
- The city of Cedar City has the lowest auto insurance rates in Utah, with an average premium of $1,671 per year.
- You can save up to 38% per year on your car insurance policy in Utah by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance 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 includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Utah by different insurance carriers for a full coverage policy.
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.
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Utah drivers who pay lower insurance premiums
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:
- 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 companies for different coverage levels in Utah
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property 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 are the average annual rates from major insurance companies in Utah, ranked from cheapest to the most expensive for the 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 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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Utah, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
Cheapest car insurance in Utah by driving history
In Utah, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $617 more annually in Utah than an individual with a clean driving record.
Cheap car insurance rates in Utah after a speeding ticket
A speeding ticket can impact your Utah car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,411 a 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 in Utah after a DUI conviction
CarInsurance.com analyzed insurance rates for Utah drivers with DUI convictions and we found that Geico provides the cheapest car insurance rates at an average annual premium of $1,746 . Progressive is the second-cheapest insurer at an average of $1,806 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 33% less than drivers with a DUI on their record.
| 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
Geico 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 .
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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Utah
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
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.
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
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
Based on our research, if you are a good driver, Nationwide is the cheapest in Utah for a full coverage policy.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Utah