Who Has the Cheapest Car Insurance in Utah? (2025)
Progressive has the cheapest car insurance in Utah, at $139 per month for full coverage.
Find Cheap Auto Insurance Quotes in Utah
Best cheap car insurance in Utah
How we chose the top companies
Best and cheapest car insurance in Utah
- Cheapest full coverage: Progressive, $139/mo
- Cheapest minimum liability: Auto-Owners, $68/mo
- Cheapest for young drivers: Farm Bureau, $193/mo
- Cheapest after a ticket: Auto-Owners, $141/mo
- Cheapest after an accident: Progressive, $210/mo
- Cheapest for teens after a ticket: Farm Bureau, $219/mo
- Cheapest after a DUI: Progressive, $165/mo
- Cheapest for poor credit: Progressive, $226/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Auto-Owners has the best mix of great customer service and cheap rates in Utah. However, it doesn't offer online quotes, so you'll have to contact a local agent to compare rates.
American Family is the best company in Utah for drivers looking to quickly compare quotes online. It has reliable customer service, although it's typically more expensive than Auto-Owners.
Although Progressive offers online quotes and has cheap quotes for some drivers, its customer service reviews aren't very good. It may take Progressive longer to get you back on the road after a crash.
Cheapest car insurance in Utah: Progressive
Progressive has the cheapest full coverage car insurance in Utah.
At $139 per month, full coverage from Progressive is $50 less than the Utah state average.
Utah drivers should also consider Auto-Owners, which costs an average of $141 per month for full coverage.
Although it's slightly more expensive than Progressive, Auto-Owners has much better rated customer service. That means Auto-Owners will probably get you back on the road faster after a crash, which could be worth a few extra dollars per month.
Find Cheap Auto Insurance Quotes in Utah
The average cost of car insurance in Utah is $189 per month for full coverage. That's $14 more expensive than the national average.
Cheapest full coverage auto insurance in Utah
Company | Monthly rate | |
|---|---|---|
| Progressive | $139 |
| Auto-Owners | $141 |
| American Family | $167 |
| Farm Bureau | $168 |
| Geico | $188 |
USAA is only available to current and former military members and their families.
Utah drivers with military connections can also find cheap quotes at USAA. Full coverage from USAA costs $106 per month, which is $33 per month less than Progressive. However, only military members, veterans and their families can buy insurance from USAA.
Cheapest liability-only car insurance in Utah: Auto-Owners and Farm Bureau
Auto-Owners and Farm Bureau have the cheapest minimum liability car insurance in Utah, at $68 per month.
That's $28 per month cheaper than the Utah average, which is $96 per month. Auto-Owners and Farm Bureau both have great customer service, so it's worth comparing quotes from both companies to see which one has cheaper quotes for you.
However, neither company offers online quotes. Progressive has the cheapest rates for Utah drivers looking to quickly compare quotes and buy a policy online, at $74 per month for minimum liability coverage.
Best cheap auto insurance in Utah
Company | Monthly rate |
|---|---|
| Auto-Owners | $68 |
| Farm Bureau | $68 |
| Progressive | $74 |
| American Family | $93 |
| Geico | $106 |
USAA is only available to current and former military members and their families.
Drivers with military ties should also get car insurance quotes from USAA. It has the cheapest liability-only quotes in Utah, at $45 per month. But, it's available only to military members, veterans and their families.
Find Cheap Auto Insurance Quotes in Utah
Cheapest Utah auto insurance for young drivers: Farm Bureau
Farm Bureau has the cheapest car insurance in Utah for young drivers.
Minimum liability coverage from Farm Bureau costs around $193 per month for an 18-year-old driver. That's $162 per month cheaper than the Utah average for teens.
Farm Bureau also has the cheapest full coverage rates for Utah teens. At $452 per month, full coverage from Farm Bureau is $226 less than the state average.
Affordable car insurance in Utah for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $193 | $452 |
| Progressive | $285 | $687 |
| Auto-Owners | $289 | $515 |
| Geico | $325 | $521 |
| State Farm | $386 | $724 |
USAA is only available to current and former military members and their families.
In Utah, 18-year-old drivers pay over three times more for car insurance than 30-year-olds. That's because young drivers have less experience, so they're more likely to be in a car accident.
After comparing rates from multiple companies, you might still find that your quotes aren't affordable. Young drivers in Utah can save money on car insurance by:
Sharing a policy with their parents. A family policy is almost always less expensive than buying two separate policies, and you may get a multicar discount.
Asking about discounts. You could save with discounts for getting good grades, taking safe driving classes and having a safe car.
Getting rid of unnecessary coverage. If you have an older car that's not worth much, you might not need collision and comprehensive coverage. And you may not need roadside assistance if you have a car warranty or another roadside package, like AAA.
Cheapest auto insurance in Utah after a ticket: Auto-Owners
Auto-Owners has the cheapest car insurance in Utah after a speeding ticket. Full coverage from Auto-Owners costs $141 per month after one ticket. That's $87 per month less than the Utah average. It's also $36 per month less expensive than the second-cheapest company, Progressive.
Best car insurance policies in Utah after a speeding ticket
Company | Monthly rate |
|---|---|
| Auto-Owners | $141 |
| Progressive | $177 |
| Farm Bureau | $190 |
| American Family | $198 |
| Geico | $245 |
USAA is only available to current and former military members and their families.
In Utah, a single speeding ticket will raise your rates by around 21%. That's an average increase of $39 per month for a full coverage policy.
Cheap auto insurance in UT after an accident: Progressive
Progressive is the cheapest insurance company in Utah after an at-fault accident. At $210 per month, full coverage from Progressive is $78 per month cheaper than the state average.
Utah drivers should also consider American Family and Auto-Owners after a crash. Although both companies are more expensive than Progressive, they have better customer service reviews. That means they'll probably help you get back on the road faster if you ever have another accident.
Affordable Utah auto insurance quotes after an accident
Company | Monthly rate |
|---|---|
| Progressive | $210 |
| American Family | $243 |
| Auto-Owners | $248 |
| Farm Bureau | $259 |
| State Farm | $268 |
USAA is only available to current and former military members and their families.
The average cost of car insurance in Utah goes up by 52% after an accident.
You don't need to worry about switching car insurance companies right after an accident. Your rates won't go up until your current policy renews. However, any quotes you get will factor in your crash, so they'll probably be more expensive than your current rate.
Instead, wait until your insurance company sends your renewal offer. This is typically a few weeks to a month before your policy expires. Then, shop around for multiple quotes to find the best rates for you.
Best car insurance in UT for teens with a ticket or accident: Farm Bureau
Farm Bureau has the most affordable car insurance in Utah for young drivers with a speeding ticket or accident.
After a ticket, minimum coverage from Farm Bureau costs $219 per month. That's a little more than half the Utah state average.
Teens with an accident on their record pay around $300 per month for a minimum liability policy from Farm Bureau. That's $190 per month less than the state average.
Cheapest auto insurance in Utah for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $219 | $300 |
| Auto-Owners | $289 | $468 |
| Progressive | $300 | $324 |
| Geico | $385 | $639 |
| State Farm | $416 | $458 |
USAA is only available to current and former military members and their families.
Teen drivers in Utah see their rates go up by an average of 15% after a speeding ticket and 38% after an at-fault accident.
Cheapest Utah car insurance quotes after a DUI: Progressive
Progressive has Utah's cheapest auto insurance quotes after a DUI, at $165 per month for full coverage. That's half the state average.
Cheapest Utah car insurance with a DUI
Company | Monthly rate |
|---|---|
| Progressive | $165 |
| Farm Bureau | $190 |
| Allstate | $316 |
| American Family | $321 |
| Geico | $352 |
USAA is only available to current and former military members and their families.
A DUI in Utah can increase your car insurance rates by 72%, or an average of $136 per month for a full coverage policy. It can be helpful to compare quotes from multiple companies after a change in your driving record to make sure you get the best rate.
Keep in mind that if you have accidents, tickets or a DUI on your driving record, you'll be viewed as a riskier driver.
That might make it more likely you'll be dropped by a new company if you get another ticket or cause another accident. Sometimes it's best to stay with a company if you have a history with it. If you're not sure of the best thing to do, talk with a licensed agent.
Cheap insurance in Utah for drivers with poor credit: Progressive
Progressive has the best quotes for Utah drivers with poor credit. At $226 per month, full coverage from Progressive is $125 per month less than the Utah state average. It's also $31 per month less than the second-cheapest option, American Family.
Best Utah car insurance companies for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $226 |
| American Family | $257 |
| Farm Bureau | $316 |
| Geico | $346 |
| Auto-Owners | $382 |
USAA is only available to current and former military members and their families.
Drivers with poor credit pay 86% more for auto insurance in Utah than drivers with good credit.
That's because insurance companies believe drivers with lower credit scores tend to file more insurance claims. So even though credit ratings don't affect your ability to drive safely, you'll usually pay more for coverage.
Best car insurance in Utah
USAA is the best company for Utah drivers, based on its excellent customer service and cheap quotes.
However, USAA is available only to military members, veterans and some of their family members.
Farm Bureau and Auto-Owners are some of the best Utah car insurance companies if you don't qualify for USAA. Both companies offer reliable customer service and affordable car insurance in Utah.
Best Utah car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Farm Bureau | 673 | A | |
| State Farm | 657 | A++ | |
| Auto-Owners | 654 | A++ | |
| Geico | 637 | A++ |
Average car insurance cost in Utah by city
Moab, a rural town near Arches National Park, has the cheapest car insurance quotes in Utah.
Full coverage car insurance in Moab costs an average of $169 per month.
Kearns, a suburb of Salt Lake City, has the most expensive rates in the state, at $240 per month. That's partially because the Salt Lake area has much higher auto theft rates than other parts of Utah.
Utah car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Alpine | $218 | 14% |
| Altamont | $190 | -1% |
| Alton | $180 | -6% |
| Altonah | $193 | 1% |
| American Fork | $211 | 10% |
Car insurance prices in Utah vary by about $70 per month for full coverage, depending on where you live. That's because factors like road quality, car theft rates and traffic congestion can change your insurance rates.
What is the minimum car insurance in Utah?
Utah's minimum car insurance requirements are going up Jan. 1, 2025.
Currently, drivers in Utah must have a minimum amount of liability insurance, often written as 25/65/15. However, this will increase to 30/65/25 on Jan. 1, 2025. You also need personal injury protection (PIP) insurance, sometimes called "no-fault insurance."
If you currently have minimum liability insurance, your insurance company should automatically increase your coverage on Jan. 1, 2025. You should get a letter or email from your company about the change before the start of the new year.
While you shouldn't have to do anything to continue driving legally, your insurance rates may go up since you'll have more coverage.
Current insurance requirement
New requirement
- Bodily injury liability: $25,000 per person and $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection: $3,000 per accident
Current insurance requirement
- Bodily injury liability: $25,000 per person and $65,000 per accident
- Property damage liability: $15,000 per accident
- Personal injury protection: $3,000 per accident
New requirement
- Bodily injury liability: $30,000 per person and $65,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $3,000 per accident
This helps pay for your own injuries after an accident, even if it wasn't your fault. In Utah, personal injury protection coverage contains two parts:
- A $3,000 limit covering necessary medical expenses and rehab after an accident. If someone covered under the policy dies in an accident, the $3,000 of coverage will be given to their heirs.
- A $1,500 funeral allowance if your passenger dies as a result of the accident.
What's the best car insurance to get in Utah?
Most drivers in Utah should have full coverage car insurance.
Full coverage insurance includes comprehensive and collision insurance, which pays for damage to your own car. Utah's weather can be harsh and unpredictable all year round, so comprehensive coverage is especially important because it covers damage caused by weather.
Full coverage also typically has higher liability limits than the state requirements. That's important in Utah, where the state requirements may not be high enough to cover the cost of a major accident.
For example, Utah requires only $25,000 of property damage liability. But if you crash into a brand-new or expensive car, that probably won't be enough to replace it.
Most lenders require you to have full coverage insurance if you have a car loan or lease. You should also consider a full coverage policy if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
Who has the cheapest car insurance in Utah?
Progressive has the cheapest full coverage quotes in Utah, at $139 per month. Auto-Owners and Farm Bureau have the most affordable minimum coverage rates, at $68 per month.
How much is car insurance in Utah per month?
The average price for a full coverage policy in Utah is $189 per month. Minimum coverage car insurance costs an average of $96 per month.
How much is auto insurance in Ogden, UT?
The average cost of car insurance in Ogden is $205 per month for a full coverage policy. That's $16 per month more than the Utah state average.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Utah for the state's largest auto insurance companies. Rates are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Full coverage quotes include more liability and PIP than the minimum requirements, as well as comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Minimum coverage rates are for the new liability limits required as of Jan. 1, 2025.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.