Cheapest Car Insurance in Utah

Utah's most affordable car insurance comes from Farmers Union Insurance, costing $33 monthly or $396 annually for minimum coverage. This rate is a substantial $263 less per year compared to the state's average cost. These figures are sourced from Quadrant Information Services and represent the cheapest options for Utah drivers as of December 2024. Read our research methodology to learn more about how we found the cheapest Utah car insurance.

Nationwide is the cheapest car insurance company for most 
Utah drivers, with an average monthly cost of $48 for both minimum and full coverage. This rate is much lower than the Utah average of $78. Other affordable options include Farmers Union Insurance, Auto-Owners, GEICO and American Family.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Nationwide offers the most affordable car insurance for many drivers in Utah. However, your rate depends on personal factors. Below, we highlight the cheapest car insurance rates for different driving profiles in Utah.

Read More: Cheapest Car Insurance

Along with Farmers Union Insurance, Nationwide, Progressive and Auto-Owners provide cheap minimum liability coverage for Utah drivers. Use the table below to explore companies with the best minimum coverage rates in Texas and see how they compare to the $55 monthly state average.

Nationwide offers the cheapest full coverage auto insurance in Utah, with rates averaging $60 per month or $725 per year. This is $41 less than the state's average cost.

In Utah, young adult drivers find Nationwide to be the most affordable. A minimum coverage policy with Nationwide costs just $46 per month for a 25-year-old driver.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

Nationwide and Progressive are among the cheapest auto insurance options for young drivers in Utah. Your premium may vary based on your driving record and other factors, but the companies and rates listed below are a solid starting point for finding affordable coverage.

Read More: Cheapest Car Insurance for Young Drivers

Utah's senior drivers can enjoy affordable rates with Farmers Union Insurance. The average policy costs $31 monthly for minimum coverage.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

For senior drivers seeking affordable car insurance, Farmers Union Insurance offers the lowest rates for minimum coverage. Nationwide provides competitive options for full coverage and drivers with bad credit or a speeding ticket. Progressive and American Family cater to drivers with a DUI or accident history. Rates may vary, but the table below can guide your search.

Read More: Cheapest Car Insurance for Seniors

Drivers in Utah with a DUI, at-fault accident or speeding ticket are considered high-risk by insurers and typically pay more for car insurance than those with clean records. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with a DUI, at-fault accident and speeding ticket.

Progressive offers the best rates for Utah drivers with DUIs, averaging $46 per month ($547 per year) for minimum coverage. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Utah.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $51 per month ($609 per year), American Family is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable coverage for drivers with accidents. Rates are for minimum coverage.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Farmers Union Insurance offers the cheapest rates for drivers with a speeding ticket, averaging $42 per month. See the table below to compare other providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Farmers Union Insurance is the cheapest car insurance provider for drivers with poor credit, offering rates of $42 per month and $508 annually for minimum coverage. Check the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Location is a significant factor in determining car insurance rates. Even within the same state, there can be substantial differences across cities due to factors like population density, flooding and crime rates.

For instance, Farmers Union Insurance offers minimum coverage in Provo for $35, but the same policy costs $37 in West Valley City. Look at the table below for the most affordable car insurance in your city and their lowest average monthly rates.

The lowest rate referenced is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

If you're looking to bundle home and auto insurance, Nationwide is the most affordable option. In the table below you can view more cheap companies for bundling home and auto policies.

Rates are for a 40-year-old driver with good credit and no driving violations

In Utah, the monthly average cost for full coverage car insurance is $101, while state minimum coverage is $55. Understanding the average cost of car insurance in Utah helps you gauge if you're getting a fair deal on your policy.

In Utah, your car insurance rates can vary. Check this table for average city costs for state minimum and full coverage.

Utah's car insurance ranks 23rd in cost, making it more affordable than many states. The moderate price reflects the state's average population density, occasional natural disasters, and vehicle theft rates.

Utah law requires all drivers to carry car insurance policies that meet the state's minimum coverage limits. These limits include $25,000 for bodily injury per person, $65,000 per accident and $15,000 for property damage per accident. Additionally, personal injury protection (PIP) of at least $3,000 per person is mandatory.

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to minimum liability coverages. Although a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations, like speeding or DUI, might need SR-22 insurance, which can raise your premium. In Utah, either you or your insurance company files the SR-22 form. It's valid for 3 years from your most recent offense.

In Utah, a surety bond is a common alternative to car insurance. It guarantees payment up to a specified amount if you're at fault in an accident, satisfying Utah's legal requirements.

For business owners, fleet insurance is a practical option. It covers multiple vehicles under a single policy, simplifying management and potentially reducing costs. This approach ensures compliance with state laws while optimizing expenses.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision and comprehensive coverage. We recommend the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for off-road damage to your car if it’s stolen, vandalized or damaged by something other than a collision, like severe weather or a fire. Collision coverage, on the other hand, pays for damage to your car in an on-road collision.

If you own a valuable car, MoneyGeek suggests purchasing comprehensive and collision insurance, even though you are not legally obligated to do so. It's smart to tailor your deductible for comprehensive and collision coverage based on what you can afford to pay out of pocket before your insurance covers the rest.

Nationwide has Utah's cheapest full coverage car insurance at $60, and Farmers Union Insurance offers the lowest minimum coverage at $33. Cheap rates are tempting, but remember, the least expensive isn't always the wisest choice for car insurance. For the best financial safety on the road, experts suggest choosing the most coverage you can afford.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Utah to ensure you get the right coverage for your situation.

MoneyGeek obtained Utah auto insurance rates from the Utah Department of Insurance and Quadrant Information Services. We examined 35,040 auto insurance quotes from 12 providers across 48 ZIP codes to determine the most affordable car insurance companies in Utah.

Utah Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Utah:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Utah

We compared car insurance companies in Utah that offer both minimum and full coverage policies. The minimum coverage liability limits in Utah are:

• $25,000 for bodily injury liability per person.
• $65,000 for bodily injury liability per accident.
• $15,000 for property damage liability per accident.
• N/A uninsured motorist bodily injury per person
• N/A uninsured motorist bodily injury per accident
• N/A uninsured/Underinsured property damage coverage
• $3,000 personal injury protection (PIP) per person
• N/A personal injury protection (PIP) per accident
• N/A medical payments coverage
• N/A death liability per person
• N/A death liability per accident

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Utah

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible