GEICO provides Utah's most affordable insurance, with monthly rates of $46 for minimum coverage and $90 for full coverage. Drivers save $34 monthly (33%) compared to state averages. Get quotes from Auto-Owners, Progressive, Nationwide and Farmers too.
Cheapest Car Insurance in Utah
Updated: October 6, 2025
Advertising & Editorial Disclosure
Who Has the Cheapest Car Insurance in Utah?
| Geico | $46 | $90 | -33% | $-34 |
| Auto Owners | $54 | $97 | -26% | $-26 |
| Progressive | $71 | $105 | -14% | $-14 |
| Nationwide | $72 | $123 | -4% | $-4 |
| Farmers | $65 | $131 | -4% | $-4 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Have auto insurance questions?Chat with Charlie now.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN UTAH
We've created additional guides below to help you in your search for the best and cheapest car insurance in Utah:
Best Car Insurance Rates by Category in Utah
GEICO offers Utah's cheapest rates in five out of our 10 driver categories, including adult drivers, seniors and those with speeding tickets, while Auto-Owners leads with the lowest rates in two categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $145 |
| Adult Drivers | Geico | $48 |
| Senior Drivers | Geico | $70 |
| Drivers With An Accident | Geico | $76 |
| Drivers With A DUI | Progressive | $82 |
| Drivers With A Speeding Ticket | Geico | $57 |
| Drivers With Bad Credit | Kemper | $74 |
| Drivers With Low Income | Farm Bureau | $50 |
| Drivers With Newer Cars | Geico | $44 |
| Drivers With Old Cars | Auto Owners | $36 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65 and older.
Cheapest Car Insurance in Utah by City
GEICO offers the most affordable minimum coverage rates in 17 of Utah's 20 largest cities, while Auto-Owners claims three markets across the state. This market concentration creates consistent pricing patterns throughout Utah's major metropolitan areas as of October 2025.
Minimum coverage costs across Utah's major cities range from $44 to $62 monthly.
Logan residents enjoy the state's lowest rates at $44 monthly through GEICO, while West Valley City drivers face the highest premiums at $62 monthly, also with GEICO. Most cities maintain rates between $50 and $57 monthly, with Auto-Owners serving St. George, Herriman and Eagle Mountain at comparable price points.
| Draper | Geico | $50 | -35% | $-40 |
| Eagle Mountain | Auto Owners | $56 | -29% | $-32 |
| Herriman | Auto Owners | $57 | -30% | $-34 |
| Layton | Geico | $48 | -35% | $-38 |
| Lehi | Geico | $53 | -30% | $-33 |
| Logan | Geico | $44 | -32% | $-31 |
| Millcreek | Geico | $53 | -32% | $-37 |
| Murray | Geico | $57 | -33% | $-41 |
| Ogden | Geico | $50 | -35% | $-40 |
| Orem | Geico | $53 | -33% | $-39 |
| Provo | Geico | $56 | -34% | $-41 |
| Salt Lake City | Geico | $53 | -37% | $-47 |
| Sandy | Geico | $50 | -37% | $-44 |
| Saratoga Springs | Geico | $53 | -30% | $-33 |
| South Jordan | Geico | $54 | -30% | $-34 |
| Spanish Fork | Geico | $51 | -32% | $-35 |
| St. George | Auto Owners | $48 | -33% | $-34 |
| Taylorsville | Geico | $55 | -37% | $-47 |
| West Jordan | Geico | $57 | -40% | $-53 |
| West Valley City | Geico | $62 | -34% | $-47 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Utah by Driver Age Group
We analyzed car insurance rates across Utah for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65 and older). Here are the providers that offer the best deals:
- Young drivers can find the cheapest rates with GEICO, averaging $140 per month.
- Adult drivers pay the least with GEICO, at about $48 per month.
- Senior drivers get the best deal from GEICO, with premiums starting around $70 per month.
Cheapest Car Insurance for Young Drivers in Utah
Young drivers pay the least with GEICO, averaging $140 per month ($1,680 annually) — about 23% cheaper than the state average. Farm Bureau is close behind at $142 monthly, while Progressive charges the most at $190 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $140 | $1,680 | -23% | $-507 |
| Farm Bureau | $142 | $1,706 | -22% | $-481 |
| Auto Owners | $145 | $1,743 | -20% | $-444 |
| Allstate | $172 | $2,068 | -5% | $-118 |
| Progressive | $190 | $2,281 | 4% | $95 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own. Drivers under 18 must meet specific state requirements and may need parental consent or supervision as mandated by Utah law.
Cheapest Car Insurance for Adult Drivers in Utah
Adult drivers can find the most affordable coverage with GEICO, which averages $48 per month ($573 annually), 33% below the state average. Auto-Owners is next at $53 per month, while Kemper is the highest at $69 monthly.
Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $48 | $573 | -33% | $-285 |
| Auto Owners | $53 | $632 | -26% | $-225 |
| Farm Bureau | $64 | $768 | -10% | $-90 |
| Farmers | $65 | $777 | -9% | $-80 |
| Kemper | $69 | $833 | -3% | $-24 |
Cheapest Car Insurance for Senior Drivers in Utah
Senior drivers in Utah get the cheapest rates with GEICO, at about $70 per month ($846 annually), 31% lower than the state average. Kemper follows at $87 per month, while Farmers is slightly higher at $93 monthly.
Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| Geico | $70 | $846 | -31% | $-382 |
| Kemper | $87 | $1,049 | -15% | $-179 |
| Progressive | $92 | $1,104 | -10% | $-124 |
| Auto Owners | $92 | $1,109 | -10% | $-119 |
| Farmers | $93 | $1,110 | -10% | $-117 |
Cheapest Car Insurance for High-Risk Drivers in Utah
Your driving record is one of the biggest factors affecting car insurance rates in Utah. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents or DUIs can raise costs. The table below highlights the cheapest providers in Utah based on different driving records.
- Cheapest for Bad Credit: Kemper, about $71 per month.
- Cheapest With a DUI: Kemper, around $74 per month.
- Cheapest With an Accident: GEICO, about $79 per month.
- Cheapest With a Speeding Ticket: Geico, starting at $59 per month.
- Cheapest With a Texting Violation: State Farm, also averaging $41 per month.
Cheapest Car Insurance for Bad Credit in Utah
Credit scores affect premiums. Drivers with poor credit in Utah save the most with Kemper, averaging $71 per month ($854 annually). Farm Bureau comes next at $83 per month, while Nationwide is much higher at $132 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| Kemper | $71 | $854 | -50% | $-841 |
| Farm Bureau | $83 | $995 | -41% | $-700 |
| Geico | $103 | $1,233 | -27% | $-462 |
| Auto Owners | $119 | $1,425 | -16% | $-270 |
| Nationwide | $132 | $1,588 | -6% | $-107 |
Cheapest Car Insurance With a DUI in Utah
Drivers with a DUI conviction pay less with Kemper, which averages $74 per month ($891 annually). That’s about 32% below the state average. Progressive follows at $87 monthly, while Farmers is the most expensive at $101 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
| Kemper | $164 | $1,969 | -58% | $-2,716 |
| UAIC | $231 | $2,777 | -41% | $-1,909 |
| Progressive | $310 | $3,717 | -21% | $-968 |
| State Farm | $359 | $4,302 | -8% | $-383 |
| Allstate | $361 | $4,332 | -8% | $-354 |
Cheapest Car Insurance With an Accident in Utah
For drivers with an at-fault accident, GEICO offers the lowest premiums at $79 per month ($948 annually), 24% below the state average. Auto Owners is next at $90 per month, while Farmers charges the most among top insurers at $102 per month.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Geico | $79 | $948 | -24% | $-293 |
| Auto Owners | $90 | $1,075 | -13% | $-166 |
| Kemper | $96 | $1,152 | -7% | $-89 |
| Farm Bureau | $96 | $1,156 | -7% | $-85 |
| Farmers | $102 | $1,220 | -2% | $-20 |
Cheapest Car Insurance With a Speeding Ticket
Utah drivers with a speeding violation can get the lowest rates from GEICO, averaging $59 per month ($713 annually), which is 29% cheaper than the state average. Auto Owners follows at $68 per month, while Kemper is higher at $85 monthly.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
| Kemper | $187 | $2,248 | -36% | $-1,268 |
| UAIC | $213 | $2,555 | -27% | $-961 |
| Farm Bureau | $239 | $2,863 | -19% | $-653 |
| Auto Owners | $255 | $3,062 | -13% | $-454 |
| Geico | $275 | $3,305 | -6% | $-211 |
Cheapest Car Insurance With a Texting While Driving Violation
Drivers in Utah with a speeding ticket can find the lowest rates with State Farm, averaging $41 per month ($489 annually). That’s about 48% cheaper than the state average, saving drivers around $460 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $41 | $489 | -48% | $-460 |
| AAA | $60 | $723 | -24% | $-226 |
| Geico | $63 | $761 | -20% | $-188 |
| Germania Insurance | $66 | $797 | -16% | $-153 |
| Mercury Insurance | $77 | $920 | -3% | $-29 |
How to Get the Cheapest Car Insurance in Utah
Finding the cheapest insurance companies won't guarantee you'll get the best rates on car insurance in Utah. You'll find proven ways to save the most on auto insurance with these effective strategies.
Risks of Getting the Cheapest Car Insurance in Utah
Utah requires drivers to carry liability insurance with minimum coverage of 25/65/15. This means you need $25,000 for injuries to one person, $65,000 total for injuries in one accident and $15,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Minimum Coverage Requirements in Utah
Utah law requires all drivers to carry auto insurance to legally operate a vehicle. The state follows a no-fault system, which means your own insurer helps cover medical expenses after an accident, regardless of fault. Policies must include liability coverage and Personal Injury Protection (PIP). While these limits satisfy state law, many drivers choose higher coverage amounts for added protection.
Cheap Car Insurance in Utah: Bottom Line
GEICO offers the lowest car insurance rates in Utah for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Utah: FAQ
Below, we answer common questions about affordable car insurance in Utah to help you find the best rates.
How We Found the Most Affordable Car Insurance in Utah
MoneyGeek collected auto insurance data from the Utah Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Utah.
Utah Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Utah
We compared car insurance companies in Utah that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Utah.
The minimum coverage liability limits in Utah are:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 per accident for property damage
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
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 14, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 14, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed October 14, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 14, 2025.
