The cheapest full coverage car insurance in Utah is $95, saving you $57 compared to the average cost of insurance in the state, which is around $152 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Utah, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Utah should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Nationwide has the cheapest car insurance rates in Utah for full coverage at $95 a month among the companies analyzed by the team of CarInsurance.com.
- In Utah, drivers with clean driving records pay 33% less than drivers with a DUI.
- The city of Cedar City has the lowest auto insurance rates in Utah, with an average premium of $1,671 per year.
- You can save up to 38% per year on your car insurance policy in Utah by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Utah
Nationwide has the cheapest full coverage car insurance in Utah, at an average premium of $95 per month or around $1,135 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Utah. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Utah per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $95 |
| Geico | $110 |
| Auto-Owners | $116 |
| Progressive | $154 |
| United Insurance Co | $173 |
| Iowa Farm Bureau | $180 |
| State Farm | $181 |
| Allstate | $190 |
| Farmers | $220 |
| USAA* | $103 |
Note: USAA is only available to military community members and their families.
Utah drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 6% less than single drivers.
- Utah drivers with clean records pay 33% less than drivers who have a DUI on their record.
- Utah drivers in their 20s pay 67% lower rates for insurance than a 16-year-old in Utah.
- Adding a teen to your policy will cost you 65% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 26% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest Utah companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Nationwide has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Utah.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Utah
Utah requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$65,000 |
| Minimum property damage liability | $15,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Utah, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Geico | $395 |
| Nationwide | $429 |
| Auto-Owners | $432 |
| Progressive | $575 |
| Iowa Farm Bureau | $597 |
| State Farm | $641 |
| Allstate | $726 |
| United Insurance Co | $801 |
| Farmers | $867 |
| USAA* | $360 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Utah
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Utah, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Nationwide | $507 |
| Geico | $552 |
| Auto-Owners | $554 |
| Iowa Farm Bureau | $729 |
| Progressive | $745 |
| State Farm | $781 |
| Allstate | $914 |
| United Insurance Co | $1,036 |
| Farmers | $1,288 |
| USAA* | $450 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Utah for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Utah based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,135 |
| Geico | $1,325 |
| Auto-Owners | $1,393 |
| Progressive | $1,845 |
| United Insurance Co | $2,071 |
| Iowa Farm Bureau | $2,154 |
| State Farm | $2,175 |
| Allstate | $2,279 |
| Farmers | $2,638 |
| USAA* | $1,237 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Utah by driving history
Your driving history impacts insurance premiums in Utah, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Utah, drivers with a history of traffic violation pay an average of $617 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance in Utah after a speeding ticket
If you have a speeding ticket on your Utah driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,411 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,173 | $1,411 | 20% | $238 |
| Geico | $793 | $1,509 | 90% | $716 |
| Auto-Owners | $1,319 | $1,569 | 19% | $250 |
| State Farm | $1,704 | $1,864 | 9% | $160 |
| Progressive | $1,528 | $1,984 | 30% | $455 |
| American Family | $1,715 | $2,210 | 29% | $495 |
| Allstate | $2,075 | $2,316 | 12% | $240 |
| Farmers | $2,066 | $2,685 | 30% | $618 |
| Kemper Insurance | $2,673 | $3,239 | 21% | $566 |
| USAA* | $959 | $1,224 | 28% | $265 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Utah after a DUI conviction
Geico offers the cheapest car insurance to Utah drivers with a DUI conviction at $1,746 per year and Progressive has the second-cheapest insurance premiums at $1,806 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Geico | $793 | $1,746 | 120% | $953 |
| Progressive | $1,528 | $1,806 | 18% | $278 |
| State Farm | $1,704 | $1,864 | 9% | $160 |
| American Family | $1,715 | $2,210 | 29% | $495 |
| Nationwide | $1,173 | $2,605 | 122% | $1,432 |
| Farmers | $2,066 | $2,809 | 36% | $742 |
| Allstate | $2,075 | $2,841 | 37% | $766 |
| Kemper Insurance | $2,673 | $2,869 | 7% | $195 |
| Auto-Owners | $1,319 | $3,461 | 162% | $2,142 |
| USAA* | $959 | $1,810 | 89% | $851 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Utah after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Geico, at $1,529 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,024.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Geico | $793 | $1,529 | 93% | $736 |
| State Farm | $1,704 | $2,024 | 19% | $320 |
| Nationwide | $1,173 | $2,034 | 73% | $861 |
| Auto-Owners | $1,319 | $2,100 | 59% | $781 |
| Farmers | $2,066 | $2,926 | 42% | $859 |
| Allstate | $2,075 | $2,969 | 43% | $894 |
| Progressive | $1,528 | $3,028 | 98% | $1,500 |
| Kemper Insurance | $2,673 | $3,938 | 47% | $1,265 |
| USAA* | $959 | $1,464 | 53% | $505 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Utah
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Utah, Cedar City stands out as the city with the lowest auto insurance rates, at an average of $1,671 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Utah with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Cedar City | $1,671 |
| Kanarraville | $1,675 |
| Hurricane | $1,680 |
| Moab | $1,682 |
| Thompson | $1,682 |
| Richfield | $1,685 |
| Brian Head | $1,687 |
| Logan | $1,687 |
| Green River | $1,693 |
| Providence | $1,695 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Utah?
Shopping around for car insurance quotes in Utah can help drivers save 38% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Utah: Save on premiums
Car insurance discounts in Utah can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Utah.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $14 |
| Anti-theft device | 1% | $16 |
| Daily commute | 5% | $76 |
| Days advanced purchase | 8% | $163 |
| Education | 15% | $244 |
| Electronic funds transfer | 5% | $94 |
| Electronic signature | 8% | $165 |
| Homeowner | 7% | $132 |
| Lower annual mileage | 4% | $73 |
| Loyalty – years renewal with company | 7% | $121 |
| Marital status | 6% | $118 |
| Multi policy | 9% | $169 |
| Paperless/electornic documents | 6% | $120 |
| Payment type | 10% | $184 |
| Primary use | 8% | $148 |
| Profession | 14% | $240 |
| Safety devices | 3% | $55 |
| Telematics | 10% | $194 |
| Years insured | 18% | $455 |
| Years licensed | 24% | $901 |
Final thoughts on cheap car insurance in Utah
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Utah for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Utah, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Utah for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/65/15.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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