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.
- 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 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 auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Utah. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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.
You might also be interested in
- Non-owner car insurance in Utah: Find affordable rates
- Liability insurance for Utah drivers
- Minimum car insurance requirements in Utah
- Utah car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Utah?
- Cheap car insurance for seniors in Utah
- Car insurance discounts in Utah; 12% potential savings
- How much does car insurance cost in Utah?
Who pays a lower insurance premium 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 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.
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
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 Utah insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
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 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.
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 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
Cheapest car insurance in Utah, by driving history
Your driving history affects how much you pay for insurance in Utah because insurance companies use it to assess the risk associated with insuring a driver.
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 in Utah after a speeding ticket
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.
Cheap car insurance rates after a DUI conviction in Utah
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.
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 rates in Utah after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Geico, 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 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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.
Cheapest car insurance rates by state
Please enter the correct format
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 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.
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.
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
How much can you save on car insurance in Utah?
By comparing car insurance quotes, you can save an average of 38% per year for 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 |
The bottom line on cheap auto 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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
Leslie Kasperowicz
Managing 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.
Ask the Insurance Expert
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