Utah's top five carriers split more clearly by specialty than in most states we analyzed. Auto-Owners leads on pure price at $89/month for full coverage, while State Farm balances affordability with the broadest agent network in the state. Travelers holds the strongest customer experience score in the group, Nationwide offers the widest add-on selection, and Allstate competes on bundling discounts rather than base rate. Understanding which of those areas matters most to your situation is the faster path to the best car insurance in Utah than comparing scores alone.
Best Car Insurance in Utah: Top Companies in 2026
Updated: June 2, 2026
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Our Experience Reviewing Utah's Top Car Insurers
State Farm: Best Overall in Utah
State Farm earns the top MoneyGeek score in Utah at 4.50/5, and the combination driving that ranking is competitive pricing alongside one of the largest agent networks in the state. Full coverage averages $112/month, 16% below Utah's state average, and its presence across Salt Lake City, Provo and St. George gives Utah drivers in-person access that most competitors can't match. The Drive Safe & Save telematics program adds savings potential for low-mileage drivers.
Travelers: Best Customer Experience
Travelers earns the best customer experience ranking among Utah's top five on the strength of two signals: the lowest NAIC complaint index of any carrier we reviewed in Utah, and an A++ AM Best financial strength rating, the highest possible. A low complaint index reflects fewer policyholder disputes relative to its size, which is a more consistent indicator of day-to-day service quality than a single satisfaction score. Full coverage averages $118/month, and the IntelliDrive telematics program gives safe drivers a path to save further.
Auto-Owners: Cheapest Among Top-Ranked
Auto-Owners offers the lowest full coverage rate among Utah's top five at $89/month, 34% below the state average, with minimum coverage at $41/month. That pricing advantage drives its 4.30/5 MoneyGeek score and top affordability ranking in the group. The one practical consideration is availability: Auto-Owners sells exclusively through independent agents in Utah, which adds a step to the quoting process but also provides personalized guidance on Utah's PIP and liability requirements.
Nationwide: Best Coverage Options
Nationwide leads Utah's top five in available add-on coverages, offering accident forgiveness, new car replacement, gap insurance and a vanishing deductible program alongside its SmartRide telematics program. Full coverage averages $121/month. For Utah drivers financing or leasing a vehicle, that combination of gap insurance and new car replacement is harder to find elsewhere in the top five, and Utah's rising vehicle values make both protections more consequential than they might be in lower-cost markets.
Allstate: Best for Utah Drivers Seeking Bundling Discounts
Allstate earns a 4.10/5 MoneyGeek score in Utah, with full coverage averaging $129/month. Its Drivewise telematics program and multi-policy bundling discounts are the primary differentiators, making it most competitive for Utah homeowners who bundle auto and home with the same carrier. Its J.D. Power 2025 score of 621 sits 15 points below the study average, the lowest in the top five, which is the clearest signal that Allstate competes on price flexibility rather than claims satisfaction.
Best Car Insurance Companies in Utah: Scores and Methodology
State Farm | 4.50/5 | #2 | #3 | #2 |
Travelers | 4.40/5 | #3 | #1 | #3 |
Auto-Owners | 4.30/5 | #1 | #2 | #4 |
Nationwide | 4.20/5 | #4 | #4 | #1 |
Allstate | 4.10/5 | #5 | #5 | #3 |
Why You Can Trust MoneyGeek's Utah Ratings
MoneyGeek evaluated 15 insurance companies in Utah, including national carriers and Utah regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60% of total score): Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with good credit, clean record, no prior claims. Quotes covered full coverage with 100/300/100 BI, $100,000 PD, $3,000 PIP minimum, and UM/UIM matching state minimums or higher. Rates reflect Utah's most recently filed/approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless, good-driver. Quotes based on published carrier filings, not individual quote forms.
Customer Experience (30% of total score): Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage Options (10% of total score): Coverage scoring measures each provider's range of coverage types and Utah-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist insurance, medical payments / PIP, comprehensive coverage, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Utah's mandatory 30/65/25 liability limits plus the state-mandated $3,000 PIP, without comprehensive or collision.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Best Utah Car Insurance Company Ratings
State Farm
Best Overall in Utah
MoneyGeek Rating
4.5/ 5
4.6/5Affordability
4.3/5Customer Experience
4.4/5Coverage
Average Monthly Full Coverage Rate
$112Average Monthly Minimum Coverage Rate
$54J.D. Power Auto Insurance Study Score
648/1,000 (ranks 3rd in Southwest region)
Travelers
Best Customer Experience
MoneyGeek Rating
4.4/ 5
4.3/5Affordability
4.7/5Customer Experience
4.2/5Coverage
Average Monthly Full Coverage Rate
$118Average Monthly Minimum Coverage Rate
$57J.D. Power Auto Insurance Study Score
626/1,000
Auto-Owners
Cheapest Among Top-Ranked
MoneyGeek Rating
4.3/ 5
4.8/5Affordability
4.1/5Customer Experience
3.9/5Coverage
Average Monthly Full Coverage Rate
$89Average Monthly Minimum Coverage Rate
$41J.D. Power Auto Insurance Study Score
634/1,000
Nationwide
Best Coverage Options
MoneyGeek Rating
4.2/ 5
4.1/5Affordability
4/5Customer Experience
4.6/5Coverage
Average Monthly Full Coverage Rate
$121Average Monthly Minimum Coverage Rate
$59J.D. Power Auto Insurance Study Score
661/1,000 (ranks 2nd in Southwest region)
Allstate
Best for Bundling Discounts
MoneyGeek Rating
4.1/ 5
3.9/5Affordability
3.8/5Customer Experience
4.3/5Coverage
Average Monthly Full Coverage Rate
$129Average Monthly Minimum Coverage Rate
$62J.D. Power Auto Insurance Study Score
627/1,000
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN UTAH
Utah raised its minimum liability limits to 30/65/25 at the start of 2025, meaning at least $30,000 in bodily injury coverage per person, $65,000 per accident and $25,000 in property damage. Every Utah policy also includes a minimum of $3,000 in personal injury protection, which covers your own medical costs regardless of who caused the accident.
Two things set Utah apart from most states. Its uninsured driver rate of 6.2% is the second lowest in the country, well below the national average, which means the risk of being hit by an uninsured driver is lower here than almost anywhere else. Utah also has the lowest DUI threshold in the U.S. at 0.05% blood alcohol content, compared to 0.08% in most states. That lower threshold affects how insurers price DUI convictions in Utah.
Rates at Utah's Best Car Insurance Companies
Utah's full coverage state average of $134/month sits $48 below the national average of $182/month, making it one of the more affordable states for auto insurance. All five top-ranked carriers come in below that average, with Auto-Owners at $89/month offering the largest gap at 34% below.
Where you live within Utah matters as much as which carrier you choose: the Salt Lake City metro, including West Valley City, Taylorsville and Murray, typically produces rates 10% to 18% above the state average due to traffic density and vehicle theft, while Provo, St. George and Logan drivers generally see rates 8% to 15% below it. Use the Utah car insurance calculator to estimate where your specific profile and ZIP code land.
$89 | $41 | 34% below | |
$112 | $54 | 16% below | |
$118 | $57 | 12% below | |
$121 | $59 | 10% below | |
$129 | $62 | 4% below | |
Utah State Average | $134 | $63 | — |
Coverage Options at Utah's Best Car Insurance Companies
Nationwide and Allstate both cover all 13 tracked coverages, the only carriers in the group with a complete lineup. State Farm and Travelers tie at 11, with Auto-Owners at 9. The most consequential difference is gap insurance and new car replacement, both available only through Nationwide and Allstate. For Utah drivers financing a vehicle at the state's rising transaction prices, that distinction is worth factoring in before comparing base rates. Auto-Owners is the only carrier without rideshare coverage or custom parts coverage, which limits its fit for Salt Lake City rideshare drivers or anyone with a modified vehicle.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | ✓ | ✓ | ✓ | ✓ |
New car replacement | ✗ | ✗ | ✗ | ✓ | ✓ |
Rideshare coverage | ✓ | ✓ | ✗ | ✓ | ✓ |
Gap insurance | ✗ | ✗ | ✗ | ✓ | ✓ |
Custom parts coverage | ✓ | ✓ | ✗ | ✓ | ✓ |
Coverage total | 11/13 | 11/13 | 9/13 | 13/13 | 13/13 |
- Comprehensive coverage carries more weight in Utah than in many states. Wasatch Front hailstorms, wildfire smoke and deer collisions along I-15 and US-89 generate a high volume of non-collision claims, particularly in Davis and Utah counties. All five carriers offer comprehensive insurance.
- Utah doesn't require uninsured motorist coverage, and with a 6.2% uninsured driver rate, the second lowest in the country, the risk is lower here than almost anywhere else. It still covers hit-and-run scenarios and catastrophic events where fault is disputed, and all five carriers offer it as an optional add-on. Nationwide and Allstate offer optional stacking variants; State Farm, Travelers and Auto-Owners offer standard UM/UIM without stacking by default.
- Nationwide's vanishing deductible is the most distinctive add-on among Utah's top five. It reduces your collision coverage deductible by $100 for every claim-free year, up to $500 total, and can eliminate the deductible entirely after five clean years. Medical payments coverage is worth considering for drivers who want higher medical expense protection beyond Utah's mandatory $3,000 PIP minimum without raising their PIP limit directly.
How to Use These Rankings to Find Your Best Utah Carrier
The right Utah carrier depends on which factor matters most for your driver profile. Use the decision guide below to identify your best match.
If price is your top priority
Auto-Owners offers the lowest full coverage rate among Utah's top five at $89/month, 34% below the state average, and leads on price across most driver profiles. For a full breakdown of cheapest options by driver type, see cheapest Utah car insurance.
If you want the best Utah claims experience
Travelers carries the lowest NAIC complaint index of any carrier we reviewed in Utah and holds an A++ AM Best rating. For drivers who weight J.D. Power satisfaction scores specifically, Nationwide leads the top five with a 661 in the 2025 Southwest study, well above the 636 regional average.
If you want the best balance of price and coverage
State Farm earns the highest MoneyGeek score in Utah at 4.50/5, combining full coverage at $112/month with a broad agent network and a coverage lineup that includes rideshare endorsements, accident forgiveness and custom parts coverage. It also scores 648 in J.D. Power's 2025 Southwest study, 12 points above the regional average.
If you have a young driver in your household
Auto-Owners averages approximately $172/month for full coverage at age 21, the lowest among the top five for that profile. [Bundling with a home policy](Auto-Owners averages approximately $172/month for full coverage at age 21, the lowest among the top five for that profile. Bundling with a home policy can generate additional savings. See the best home and auto bundle in Utah for current options.) can generate additional savings.
If you have a DUI on your record
State Farm offers the most competitive rates for Utah drivers with a DUI, averaging approximately $168/month for full coverage after a conviction. Utah's 0.05% BAC threshold means more drivers qualify as DUI than in most states, and an SR-22 filing with the Utah DLD is required for three years. See DUI car insurance in Utah for full rate comparisons.
If your location affects your rate
Where you live in Utah can move your rate by 10% to 18%. Salt Lake City metro drivers consistently pay above the state average due to higher traffic density and theft rates. [Provo drivers](State Farm offers the most competitive rates for Utah drivers with a DUI, averaging approximately $168/month for full coverage after a conviction. Utah's 0.05% BAC threshold means more drivers qualify as DUI than in most states, and an SR-22 filing with the Utah DLD is required for three years. See DUI car insurance in Utah for full rate comparisons.) typically see rates 8% to 15% below the state average.
Best Utah Car Insurance: FAQ
What is the minimum car insurance required in Utah?
Utah requires at least $30,000 in bodily injury liability per person, $65,000 per accident and $25,000 in property damage liability, limits that increased at the start of 2025. Every policy also includes a mandatory $3,000 in personal injury protection, covering medical expenses, income loss and household services regardless of fault. Uninsured motorist coverage isn't required, but if you add it, limits must match your 30/65 liability coverage per Utah Code 31A-22-305.
What happens if I drive without insurance in Utah?
A first offense carries fines of $400 to $1,000, plus license and registration suspension and possible vehicle impoundment. Utah monitors coverage electronically through its Insure-Rite verification system, so a lapse triggers consequences without requiring a traffic stop. An SR-22 filing with the Utah DLD is required following any insurance-related suspension.
Why does Utah have such a low uninsured rate?
Utah's 6.2% uninsured driver rate is the second lowest in the country, behind only Maine at 5.7%. Electronic insurance verification through Insure-Rite, mandatory liability and PIP requirements and proof of insurance at vehicle registration all contribute to that low rate. For context, neighboring New Mexico has an uninsured rate of 24.1% and Colorado 19.7%. Uninsured motorist coverage carries less urgency in Utah than in most Southwest states, but still covers hit-and-run scenarios and catastrophic events where fault is disputed.
Why does Utah have the lowest DUI BAC threshold in the country?
Utah's DUI threshold is 0.05% blood alcohol content, the lowest in the U.S. and lower than the 0.08% standard used in every other state. Utah was the first to make that change, effective December 2018. A 10-year lookback period applies, and drivers with a BAC of 0.16% or higher face mandatory ignition interlock requirements.
How does Utah's no-fault PIP system work?
Every Utah policy includes at least $3,000 in PIP coverage, which pays your medical expenses, income loss and household service costs regardless of who caused the accident. To step outside the no-fault system and sue the at-fault driver in tort, your medical expenses must exceed $3,000 or your injuries must involve a bone fracture, permanent disability, permanent disfigurement or dismemberment.
What happens if I'm partly at fault in a Utah accident?
Utah follows a 50% bar rule: you can recover damages from another driver as long as you're less than 50% at fault, with your award reduced proportionally by your share of responsibility. At 50% or more at fault, recovery is barred entirely. The personal injury statute of limitations is four years for most claims, or two years for claims against a government entity.
Sources
- J.D. Power. “2025 U.S. Auto Insurance Study.”
- Insurance Information Institute (III). “Facts + Statistics: Uninsured Motorists.”
- Utah State Legislature. “Utah Code 31A-22-304: Motor Vehicle Liability Policy Minimum Limits.”
- Utah State Legislature. "Utah Code 31A-22-302: Required Components of Motor Vehicle Policies."
- AM Best. “Ratings Services.”
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.