Farmers Union offers the cheapest minimum coverage for most low-income drivers in Utah with clean records, regardless of credit standing. Progressive and American Family are often more affordable for those with DUI or at-fault accidents.
Cheapest Low-Income Car Insurance in Utah
Updated: February 6, 2025
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Key Takeaways
While Utah doesn't have a low-income car insurance program, affordable plans are available to meet the state's minimum coverage requirements.
For low-income drivers, the most affordable options typically include Farmers Union, Nationwide, Progressive and American Family.
Low-income drivers can save on car insurance by comparing different providers and taking advantage of discounts.
Cheapest Car Insurance Companies for Low-Income Drivers in Utah
| Progressive | Young Drivers | $47 |
| Farmers Union | Adults | $33 |
| Farmers Union | Seniors | $31 |
| Farmers Union | Drivers With a Speeding Ticket | $42 |
| Progressive | Drivers With a DUI | $46 |
| American Family | Drivers With an Accident | $51 |
| Farmers Union | Bad Credit | $61 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find affordable car insurance that fits your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| Farmers Union | $33 | $396 |
| Nationwide | $40 | $479 |
| Progressive | $41 | $495 |
| GEICO | $43 | $511 |
| Auto-Owners | $44 | $523 |
Cheapest Car Insurance for Families With Low Income in Utah
For low-income married couples with a teen in Utah, Nationwide offers the lowest rate at $66 monthly. Single parents with a teen can get the cheapest option with Auto-Owners at $151. For couples without a teen, GEICO offers the best rate at $48.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| Nationwide | $789 | $66 |
| Progressive | $979 | $82 |
| GEICO | $1,024 | $85 |
| Auto-Owners | $1,054 | $88 |
| Allstate | $1,135 | $95 |
| State Farm | $1,199 | $100 |
| Farmers | $1,360 | $113 |
| Kemper | $3,597 | $300 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some ways to save on auto insurance costs:
- 1
Choose minimum coverage
Minimum coverage is the most cost-effective way to meet legal requirements but offers limited protection and may not cover all costs in an at-fault accident.
- 2
Compare quotes
Collect quotes from various insurers to find the most affordable option. Use multiple resources such as provider websites, independent brokers, provider agents and online comparison tools for thorough evaluation.
- 3
Look for discounts
Insurers provide discounts for good students, safe drivers, military personnel or those who complete a defensive driving course.
- 4
Increase your deductible
Opting for a higher deductible on collision or comprehensive coverage can reduce your premium. Ensure you can pay for it if a claim is necessary.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance benefits occasional drivers by combining a minimal base fee with a mileage charge, allowing you to save by paying only for driven miles.
- 7
Get a cheaper car
A vehicle's make, model and age impact insurance rates due to repair and replacement costs. Consider a cheaper car to insure, such as an older, more reliable vehicle, for substantial savings.
Minimum Car Insurance Requirements in Utah
Utah residents must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $65,000 in bodily injury liability per accident
- $15,000 in property damage liability per accident
If you're leasing or financing a vehicle, a liability coverage split of 100/300/100 is necessary, along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers the other driver's expenses if you cause an accident but doesn’t pay for your car repairs or legal costs. If you drive often and can afford it, consider higher coverage to avoid large out-of-pocket expenses after an accident.
Cheap Low-Income Car Insurance in Utah: Bottom Line
Farmers Union provides the cheapest car insurance for most low-income drivers in Utah. High-risk drivers can find affordable options with Farmers Union, Progressive or American Family. Compare providers through multiple channels to secure the best deal.
Low-Income Auto Insurance in Utah: FAQ
Finding affordable car insurance is tough for low-income drivers. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Utah?
For low-income drivers, the most affordable car insurance is often a minimum coverage policy; however, this option isn't viable if the vehicle is financed or leased. Farmers Union offers Utah's lowest minimum coverage rate at $33 monthly, and Nationwide provides the cheapest full coverage at $60.
Does Utah have a state-supported low-income car insurance program?
Utah has no state-supported program that assist low-income drivers with car insurance.
Does your income affect the cost of car insurance in Utah?
Income doesn't directly influence car insurance rates in Utah. Insurers set premiums based on factors like driving history and vehicle type.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek assessed Utah auto insurance rates using data from the Utah Insurance Department and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek analyzed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Utah.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Utah:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Utah law and offers affordable options for low-income drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.