Cheapest Car Insurance in Utah (October 2024)

Farmers Union Insurance has the cheapest minimum coverage car insurance policy in Utah. American Family and Nationwide also offer the cheapest rates in Utah for certain types of drivers.

MoneyGeek determined the best car insurance in Utah if you want a balance of affordability and quality service.

The following are the cheapest car insurance companies in Utah for a policy with minimum coverage:

• Farmers Union Insurance: $396 per year
• Nationwide: $433 per year

State Farm offers the most expensive minimum coverage car insurance in Utah at $1,137 per year.

Minimum liability car insurance in Utah only covers bodily injuries and property damage. Personal injury protection is also automatically included in all policies, but you can opt out if you’d like to.

A minimum coverage policy provides financial protection against the cost of damages or injuries you cause to others. Such policies do not cover costs associated with damage to your car, such as repairs or replacement. Consider buying a full coverage insurance policy with comprehensive and collision coverage to protect yourself against these costs.

The cheapest auto insurance companies in Utah offering full coverage policies are:

• Nationwide: $725 per year
• Farmers Union Insurance: $860 per year

Our analysis found that State Farm offers the most expensive full coverage insurance policy, costing an average of $2,194 per year.

The average cost for adding comprehensive and collision coverage to a policy in Utah varies based on the insurer and the coverage limits. A full coverage policy from Nationwide is $292 more expensive than its minimum coverage premium.

A full coverage policy provides financial protection against damages on and off the road like hitting a tree, being hit by a hit-and-run driver, flooding, hail, wind, fire, theft and other accident-related damages.

The amount of car insurance you need will significantly affect your rate. MoneyGeek's sample full coverage policy includes liability protection of:

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

To save money, you can opt for lower liability limits, drop comprehensive and collision insurance or raise your deductible for comprehensive, collision or both. However, you risk not having enough coverage if you get into an accident.

Getting a car insurance quote online can often take up to 15 minutes. Furthermore, you must compare quotes from multiple websites to ensure you get the best deal.

MoneyGeek's car insurance calculator simplifies this process, allowing you to get an estimate without providing specific personal information. Our calculator can help you find the cheapest car insurance quickly and easily, giving you a great starting point for finding the right coverage.

Nationwide offers the cheapest options on average for teens, young adults and seniors in Utah.

The cheapest car insurance companies in Utah for teens are:

• Nationwide: $1,491 per year for male teens and $1,332 per year for female teens
• Allstate: $2,299 per year for male teens and $2,184 per year for female teens

The most expensive company is Kemper, charging an average of $10,326 per year for female teens and $11,910 per year for male teens.

Teens get lower car insurance rates as they age. Nationwide is the most affordable insurer for 19-year-old males in Utah ($1,352 per year).

In Utah, 16-year-old male drivers pay around $7,489 per year for car insurance. However, when added to their parent's policy, they will only pay an average of $3,707 annually, a savings of up to $3,782 per year.

Families with young drivers may be able to save on their car insurance premiums by taking advantage of discounts certain insurers offer.

For example, Nationwide and Allstate offer various discounts for young drivers, such as good student discounts, distant student discounts and driver education discounts. These discounts can help families save on their car insurance premiums.

The following insurers offer the cheapest car insurance premiums for drivers in their 20s:

• Nationwide: $896 per year
• GEICO: $1,120 per year

At an average of $2,786, State Farm is the most expensive insurer for young drivers in Utah.

Research shows that drivers in their 20s pay up to $284 more for car insurance than middle-aged drivers. This difference in cost is due to the increased risk associated with younger drivers, as they are more likely to be involved in accidents than more experienced drivers.

The following companies offer the cheapest auto insurance for Utah seniors:

• Nationwide: $670 per year
• Farmers Union Insurance: $838 per year

State Farm offers the most expensive premium for seniors in Utah at $2,029 per year. Senior drivers typically pay slightly less for car insurance than middle-aged drivers, but the exact difference depends on the company.

Many insurers offer senior discounts, including Allstate, Farmers and GEICO. Check with your insurer to see if it offers discounts for seniors. Additionally, some insurers offer discounts for completing a driver safety course or having a clean driving record — no at-fault accidents or moving violations for three to five years.

Drivers in Utah with tickets may find the cheapest car insurance from Nationwide, while those with at-fault accidents or DUIs may get affordable policies from American Family. Nationwide is also the cheapest insurer for drivers with poor credit and those with sports cars.

The most affordable car insurance providers in Utah for drivers with a speeding ticket are:

• Nationwide: $852 per year
• American Family: $1,144 per year

State Farm is the most expensive car insurance provider in Utah after a ticket, with an annual rate of up to $2,423. Those with a ticket on their driving record face a substantial financial penalty for car insurance, paying $281 more than those with a clean record.

The following insurers offer the most affordable auto insurance in Utah for drivers with an at-fault accident:

• American Family: $937 per year
• Nationwide: $1,238 per year

State Farm is the costliest insurer for those involved in an at-fault accident, with an annual premium of $2,650. Utah drivers with an at-fault accident pay an extra $581 than those with a clean driving record.

Utah residents with a DUI on their driving records will find the most affordable full coverage car insurance from:

• American Family: $1,144 per year
• Progressive: $1,195 per year

If you have a DUI on your record, you can expect to pay an average of $3,050 per year for car insurance from Iowa Farm Bureau, the most expensive insurer in the state. Drivers with a DUI could pay about $763 more per year than drivers with a clean record.

The cheapest car insurance providers in Utah for drivers with bad credit are:

• Nationwide: $975 per year
• Farmers Union Insurance: $1,547 per year

State Farm charges the most for car insurance if you have a poor credit score: $7,331 per year. Insurers consider credit history when they are setting policy rates. If your score is below 580, you could pay an extra $1,207 per year for car insurance in Utah than someone with a credit score above 750.

Auto insurance is more expensive for drivers with poor credit because insurance companies consider them high risk. They may have difficulty making on-time payments and are more likely to get into an accident and make a claim.

You can reduce your rates by improving your credit score or taking advantage of bundling or car safety discounts. Comparing multiple insurers can also help you save money.

The cheapest car insurance providers in Utah for sports car drivers include:

• Nationwide: $811 per year
• American Family: $873 per year

State Farm is the costliest sports car insurer in Utah, with an annual premium of $2,631. Auto insurance for a sports car is generally more expensive than a policy for a standard vehicle like a Toyota Camry LE. Typically, premiums for sports car drivers are around $127 higher than those for a standard vehicle due to sports cars' higher repair and replacement costs.

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. It is generally more expensive to insure sports, electric and luxury cars; otherwise, model may not be a significant factor. However, this may not be true for all states.

Nationwide offers the cheapest car insurance in Utah for military drivers, with an annual average of $725.

USAA, with an annual average rate of $784, is also a leading provider of insurance and other financial services tailored to the needs of military personnel and their families. With USAA, military drivers can get competitive rates on car insurance and additional coverage options.

Active-duty military and veterans may also consider GEICO. It has coverages and discounts specifically for you.

The cost of car insurance in Utah can vary widely depending on where you live. Drivers living in areas with frequent incidents of theft, vandalism or accidents are more likely to file for insurance claims. These factors make them pay higher premiums.

In Provo, the cheapest full coverage premium costs $902 from Nationwide. On the other hand, Nationwide's full coverage premium in West Valley City is the most expensive, costing around $968 per year.

Utah requires all drivers to carry minimum liability insurance, including bodily injury, property damage and personal injury coverage. However, MoneyGeek recommends having more extensive coverage than the state minimum to protect yourself financially.

In Utah, drivers must only purchase minimum liability coverage, including bodily injury and property damage, to operate a vehicle legally. Although purchasing minimum liability coverage can help save money, it provides less protection in an accident.

SR-22 insurance in Utah is required for a driver caught without car insurance. SR-22 is a certificate of financial responsibility that proves you have the minimum required car insurance to drive legally. It must be maintained for a minimum period, often three years.

MoneyGeek recommends that Utah drivers carry higher coverage limits than the state minimum for more excellent financial protection from at-fault accidents. Specifically, this includes a minimum of $100,000 per person and $300,000 per accident for bodily injury liability coverage and $100,000 per accident for property damage liability coverage.

Drivers who finance or lease their car purchase usually need to purchase comprehensive and collision coverage. Comprehensive coverage pays for damage to your car caused by theft, vandalism, fire, flooding and other non-collision events. Collision coverage pays for damage to your car caused by a collision with another vehicle or object, such as a tree, fence or light pole. It also covers rollover accidents and pothole damage.

We also recommend that those with valuable cars, such as luxury vehicles or classic cars, consider buying full coverage insurance to protect their investment in case of an accident.

Utah law requires drivers to carry a minimum liability coverage of 25/65/15 — $25,000 bodily injury liability per person, $65,000 bodily injury liability per accident and $15,000 property damage liability per accident.

In addition to liability coverage, drivers may purchase other types of insurance coverage, such as collision, comprehensive and uninsured/underinsured motorist coverage. These coverages help protect drivers and their vehicles in an accident.

Drivers seeking alternative coverage can opt for pay-as-you-drive, usage-based, and non-standard auto insurance. Pay-as-you-drive insurance allows drivers to pay for insurance based on the miles they drive. In contrast, usage-based insurance gives drivers discounts for safe driving by tracking their driving habits via a plug-in device or mobile app. Non-standard auto insurance covers drivers with certain high-risk factors, such as a DUI or poor driving record.

MoneyGeek answers the most commonly asked questions about auto insurance in Utah.