Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Whether skiing or sightseeing, there are plenty of reasons to explore Utah.
But are you overpaying for your car insurance? We surveyed insurers from across the state to calculate the average cost of minimum-coverage car insurance and determine which insurers offer the cheapest estimated rates.
We based our calculations on a relatively neutral driver profile — our Utah driver has no accidents, tickets or claims, for example — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). But there are several factors that affect car insurance, like your age, vehicle type, mileage, coverage options and driving history, so your rates may differ. But don’t worry: We also found the cheapest car insurance for several different driver needs and profiles.
Read on to learn about Utah’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Utah
- 5 cheapest car insurance companies in Utah
- Cheapest full-coverage car insurance in Utah
- Cheapest state-minimum car insurance in Utah
- Cheapest car insurance for good credit in Utah
- Cheapest car insurance for poor credit in Utah
- Cheapest car insurance for drivers with multiple claims in Utah
- Cheapest car insurance for young drivers in Utah
- Utah auto insurance requirements
- Is usage-based insurance available in Utah?
- FAQs about the cheapest car insurance rates in Utah
Cost of car insurance in Utah
Average monthly premiums for car insurance in Utah range from just over $50 up into the $170s, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Utah
|Driver or coverage||Avg. monthly cost|
|Full-coverage car insurance in Utah||$171.83|
|State-minimum car insurance in Utah||$51.12|
|Drivers with poor credit in Utah||$85.08|
|Drivers with multiple claims in Utah||$118.87|
|Young drivers in Utah||$81.20|
5 cheapest car insurance companies in Utah
In our research, USAA topped the list as the cheapest minimum-coverage car insurance provider for several different driver profiles. We used a specific Utah driver profile for the following rates, as detailed in our methodology. Unless otherwise noted, our Utah driver has a 680 to 719 credit score, is age 36 to 45, has no tickets or coverage gaps and drives a $20,000 to $30,000 car.
With USAA, our Utah driver profile could find minimum-coverage car insurance for as little as $26.63 per month. USAA members — that is, U.S. military members, their spouses and children of USAA members — are eligible for USAA car insurance. USAA offers several discount opportunities, including specific discounts for military members and the USAA SafePilot usage-based insurance program.Check out reviews of USAA auto insurance.
Geico could offer our Utah driver profile car insurance for as low as $31.94 per month for a basic policy. Geico offers all the standard coverage options plus a few extras like emergency roadside assistance, rental reimbursement and mechanical breakdown insurance. Geico’s deep bench of discount opportunities is also impressive, as is its mobile app, which allows users to manage their policies, request roadside assistance, get a photo repair quote and more.Read reviews of Geico auto insurance.
3. General Casualty
Our Utah driver profile could find basic car insurance for about $35.67 per month with General Casualty. General Casualty, owned by QBE North America, offers a FlexAuto program, which calculates rates based on a driver’s habits and history every time the policy is renewed. Optional add-on coverages include bodily injury, property damage, medical payments and physical damage.
4. Auto-Owners Insurance
Auto-Owners Insurance could offer our Utah driver profile a minimum-coverage policy for as low as $36 per month. Auto-Owners offers all standard coverages plus standouts, including common loss deductible, rental car insurance and collision coverage advantage, which waives your collision deductible if you’re involved in an accident with another vehicle insured by Auto-Owners.Check out reviews of Auto-Owners auto insurance.
5. Farm Bureau Mutual (IA Group)
Finally, Farm Bureau Mutual could offer our Utah driver profile a basic-coverage policy for as little as $39.17 per month. Farm Bureau offers insurance through local agents. In addition to state-mandated minimum coverage, the company provides collision, comprehensive and no-fault coverage. Plus, it offers replacement cost coverage, a young driver safety program, roadside assistance and its Driveology program, which rewards you with a lower rate for recording your safe driving behavior.
Cheapest full-coverage car insurance in Utah
Full coverage typically includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Utah mandates a minimum 25/65/15 auto insurance policy, which is not considered full coverage. But your lender may require full coverage if you’re financing your car.
The following companies have the lowest estimated rates for drivers interested in full-coverage insurance.
5 cheapest full-coverage car insurance companies in Utah
|3||ACCC Insurance Company||$106.83/month|
|4||Farm Bureau Mutual (IA Group)||$108.50/month|
|5||National Farmers Union P&C||$119.79/month|
Cheapest state-minimum car insurance in Utah
As its name implies, state-minimum insurance is the lowest amount of coverage you can have as determined by the state. This is usually the least expensive type of coverage you can choose.
These companies have the lowest estimated rates for drivers interested in state-minimum coverage only.
5 cheapest car insurance companies in Utah for state-minimum coverage
|5||Farm Bureau Mutual (IA Group)||$39.17/month|
Cheapest car insurance for good credit in Utah
One of the several factors that can affect the cost of your car insurance is your credit. In general, drivers with good credit pay less for their insurers than drivers with poor credit.
The following companies have the lowest estimated rates for drivers considered to have good credit.
5 cheapest car insurance companies in Utah for those with good credit
|5||National Farmers Union P&C||$32.69/month|
Cheapest car insurance for poor credit in Utah
Unfortunately, having poor credit might mean you’ll pay slightly more for car insurance. But there are other ways to manage the cost of your premium, like participating in discount programs and keeping a safe driving record.
These five companies have the lowest estimated rates for drivers considered to have poor credit.
5 cheapest car insurance companies in Utah for those with poor credit
|5||ACCC Insurance Company||$61.00/month|
Cheapest car insurance for drivers with multiple claims in Utah
Your claims history also affects the cost of your insurance. Drivers with multiple claims through their insurance provider may have higher average car insurance rates than those with fewer claims.
The following companies have the lowest estimated rates for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Utah for multiple claims
|5||ACCC Insurance Company||$80.50/month|
Cheapest car insurance for young drivers in Utah
Finally, your age can play a role in how much you pay for insurance, as younger drivers are typically viewed as riskier — and therefore more expensive — to insure.
The following companies have the lowest estimated rates for drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Utah for young drivers
|4||ACCC Insurance Company||$55.67/month|
|5||Farm Bureau Mutual (IA Group)||$60.17/month|
Utah auto insurance requirements
Utah requires $25,000 per person and $65,000 per accident of bodily injury liability insurance, plus $15,000 of property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Utah?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Utah drivers may qualify for discounts when participating in their insurers’ UBI programs.
FAQs about the cheapest car insurance rates in Utah
Utah requires $25,000 per person and $65,000 per accident of bodily injury liability insurance, plus $15,000 of property damage liability.
Utah is considered a no-fault state, which means that regardless of who is found to have caused an accident, your insurance policy will help pay for your own damages.
You can drive without plates in Utah if you have a temporary permit. Permits allow drivers to drive the car for 15 or 30 days while they obtain the necessary safety and emissions certificates to renew their registration. You could also use a 96-hour in-transit permit to move an unregistered vehicle from one point to another within Utah or another state.
The estimated rates in this article are the lowest estimated rates based on the profile of a driver aged 36 to 45 living in Utah. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Utah-mandated 25/65/15 no-fault insurance policy.