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Utah drivers pay car insurance premiums that are slightly higher than the national average. Comparing car insurance quotes in states with higher rates can help keep your premium in line with your budget.
After analyzing dozens of Utah auto insurance companies, we found Auto-Owners, GEICO, General Casualty Insurance, and Nationwide offer some of the lowest Utah rates. We also compared different driving profiles and other factors to help you find the best price for your coverage needs.
Key Takeaways:
- Utah’s average car insurance rate of $130 per month is $1 higher than the national average premium.
- Teen drivers in Utah might find the cheapest car insurance through General Casualty Insurance.
- GEICO offers the lowest rates after a ticket or DUI, while Auto-Owners has the best rates after an accident.
In This Article:
Utah’s Cheapest Car Insurance Companies
Drivers in Utah pay an average of $130 per month for car insurance, but savings still exist.
| Company | Monthly Premium |
|---|---|
| Auto-Owners | $63 |
| GEICO | $64 |
| General Casualty Insurance | $77 |
| Nationwide | $79 |
| Allied | $87 |
Our analysis shows that Auto-Owners is Utah’s cheapest car insurance company, at $63 per month. GEICO is another affordable option, costing just $1 more. However, with so many factors determining premiums, these companies might only be the cheapest for some drivers. We compared various driver profiles below to narrow down the best companies with cheap car insurance in Utah.
How we chose the cheapest companies in Utah
Our team analyzed thousands of rates from dozens of the top insurance companies in Utah. Using that data, we listed the five cheapest options for Utah drivers based on several key factors, such as age, coverage level, driving history, and more. All the rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Utah. The listed full-coverage rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
The Average Cost for Utah Car Insurance
The average cost of Utah car insurance is $130 per month. Although Utah’s average rates are cheaper than neighboring Arizona, Colorado, and Nevada, they’re higher than rates in Idaho and Wyoming.
Utah’s higher minimum-coverage requirements and largely rural areas factor into its average auto insurance rates. Insurance premiums can vary based on multiple factors, including location, coverage level, age, and driving history. Below, you can see how Utah’s car insurance rates compare to rates in nearby states and the U.S. overall.
| State | Average Rates | State Rank |
|---|---|---|
| Utah | $130 | 33rd-cheapest |
| Arizona | $137 | 35th |
| Colorado | $140 | 36th |
| Idaho | $83 | 7th |
| Nevada | $175 | 46th |
| Wyoming | $94 | 13th |
| Rest of U.S. | $129 | N/A |
Cheapest Car Insurance Rates for State-Minimum Insurance: Auto-Owners
The type and level of coverage you choose directly affects your cost of car insurance.
| Company | Monthly Premium |
|---|---|
| Auto-Owners | $32 |
| General Casualty Insurance | $42 |
| GEICO | $42 |
| Nationwide | $56 |
| National Farmers Union | $59 |
Drivers seeking state-minimum insurance should consider Auto-Owners, with an average monthly premium of only $32. Consider Auto-Owners’ long list of discounts to apply to your insurance policy to ensure low rates. General Casualty Insurance and GEICO also have affordable rates, at $42 per month.
Cheapest Car Insurance Rates for Full-Coverage Insurance: GEICO
Full-coverage auto insurance includes state-minimum liability, comprehensive, and collision coverages. Although the extra coverage means it costs more, it provides better financial protection if you get into an accident. Collision can pay to repair or replace your car if it’s damaged in an accident, and comprehensive can pay to repair damage caused by events other than an accident.
| Company | Monthly Premium |
|---|---|
| GEICO | $86 |
| Auto-Owners | $94 |
| Nationwide | $102 |
| Allied | $105 |
| General Casualty Insurance | $111 |
GEICO offers the lowest rate for full coverage, averaging $86 monthly. Although Auto-Owners is also cheap, it costs $8 more monthly than GEICO. Like Auto-Owners, GEICO has many discounts you can take advantage of, so you don’t have to sacrifice coverage if you’re on a budget.
Compare Utah Auto Insurance Rates by Age
Your age is a top rating factor for car insurance companies to determine premiums. Young drivers are less experienced behind the wheel than older drivers, making them more likely to get a ticket or cause an accident.
This higher risk is why young drivers typically pay higher rates than older drivers. We compared rates for both age groups to help Utahns find the cheapest rates.
Cheapest car insurance for Utah teens: General Casualty Insurance
Teen drivers are the most expensive group to insure. Although the number of licensed young drivers decreased by 4.7% from 2019 to 2020, fatalities in the same age group increased by 17% during that time, according to the NHTSA.
Young drivers typically see rates drop when they turn 25. The table below shows average rates for 18-year-old drivers, sorted by cheapest liability-only rates.
| Company | Liability Only | Full Coverage |
|---|---|---|
| General Casualty Insurance | $85 | $214 |
| GEICO | $117 | $259 |
| Auto-Owners | $133 | $277 |
| The General | $190 | $275 |
| Farm Bureau Insurance | $190 | $335 |
Young drivers may get the cheapest rates from General Casualty Insurance. Their average liability-only rate is $85 monthly, while their full-coverage rates average $214. GEICO is another affordable option, with rates $32 and $45 higher.
Cheapest car insurance for Utah seniors: Auto-Owners
Senior drivers usually get the lowest car insurance rates. If you happen to drive fewer miles now that you’re no longer commuting, you may get even lower rates. We compared rates in the table below to find the cheapest insurance company for 65-year-old drivers.
| Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $33 | $89 |
| GEICO | $46 | $93 |
| General Casualty Insurance | $47 | $111 |
| Nationwide | $52 | $91 |
| National Farmers Union | $52 | $132 |
Auto-Owners has the cheapest liability-only ($33) and full coverage ($89) rates for older drivers. GEICO’s liability-only rates are also affordable, at $13 higher. Nationwide has the next cheapest full-coverage premiums, costing just $2 more than Auto-Owners. GEICO’s full-coverage car insurance rates are only $1 more than Nationwide.
Compare Utah Auto Insurance Rates by Driving Record
Your driving record is the most important factor in car insurance pricing. A record free of tickets or accidents is the best way to get the lowest rates. Driving infractions affect your auto insurance policy costs in different ways. We analyzed car insurance quotes for different driving records to find the Beehive State’s cheapest insurance companies.
Cheapest car insurance for good drivers in Utah: Auto-Owners
Good drivers get the best car insurance rates. To be a good driver, you must not have any tickets or at-fault accidents on your driving record in the last three to five years. The table below shows the cheapest Utah auto insurance companies for drivers with no accidents or violations.
| Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $32 | $94 |
| General Casualty Insurance | $42 | $111 |
| GEICO | $42 | $86 |
| Nationwide | $56 | $102 |
| National Farmers Union | $59 | $146 |
The table is sorted by lowest liability-only rates, with Auto-Owners $32 per month being the cheapest. GEICO is the most affordable for full coverage, averaging $86 monthly, with Auto-Owners costing $8 more. GEICO and General Casualty Insurance tie for the next cheapest liability-only rates, at $42 monthly.
Cheapest car insurance in Utah after a ticket: GEICO
If you get a ticket, you can expect your car insurance rate to increase. The national average rate increase after a speeding ticket is 23%, according to Compare.com data. The table below shows the top companies with the lowest rates for a driver with one speeding ticket.
| Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $50 | $102 |
| Auto-Owners | $64 | $148 |
| Nationwide | $65 | $120 |
| Progressive | $75 | $157 |
| Allied | $80 | $124 |
GEICO has the cheapest average rates for liability only, costing $50 per month, and full coverage, at $102 monthly. Although Auto-Owners is only $14 more for state-minimum coverage, its full-coverage premiums are $46 more. Nationwide may be a better alternative for full coverage, as their rates are only $18 more than GEICO’s. Nationwide’s liability-only rates are $1 more than Auto-Owners.
Cheapest car insurance in Utah after an accident: Auto-Owners
An at-fault accident will cause a higher rate increase than a speeding ticket, averaging 43% higher than a good driver’s premium. The companies in the table below are the cheapest for drivers with at-fault accidents in the state of Utah.
| Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $42 | $122 |
| GEICO | $60 | $135 |
| Nationwide | $85 | $156 |
| State Farm | $90 | $160 |
| National Farmers Union | $91 | $235 |
If you cause an accident in Utah, Auto-Owners may offer the most affordable rates. Adding accident forgiveness to your Auto-Owners policy before an at-fault accident, if you qualify, can help prevent a large rate increase. Their liability-only rates average $42 monthly, while their full-coverage premiums are $122. GEICO is another reasonable option, costing $18 and $13 more than Auto-Owners.
Cheapest car insurance in Utah after a DUI: GEICO
Drivers with a DUI conviction typically pay the highest rates since a DUI is a major violation. Rates go up by an average of 92% across the nation, according to Compare.com data. The rates in the table below are for drivers with one DUI conviction.
| Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $57 | $128 |
| Progressive | $66 | $138 |
| State Farm | $82 | $146 |
| General Casualty Insurance | $94 | $251 |
| United Insurance Company | $99 | $157 |
GEICO has the cheapest rates for high-risk drivers with a DUI. GEICO’s average state-minimum rate is $57 monthly, and for full coverage, $128. Progressive and State Farm are also affordable options. Progressive rates are $9 and $10 more than GEICO, while State Farm’s are $18 and $8 more than Progressive.
The Cheapest Cities for Car Insurance in Utah
Car insurance rates can vary by location, city, and ZIP code. Medical bills, vehicle repair and legal costs, population size, and whether you live in an urban or rural area can affect your insurance costs.
| City | Average Liability Rates |
|---|---|
| American Fork | $74 |
| Bountiful | $63 |
| Cedar City | $54 |
| Clearfield | $65 |
| Draper | $62 |
| Herriman | $59 |
| Layton | $65 |
| Lehi | $65 |
| Logan | $59 |
| Magna | $72 |
| Midvale | $67 |
| North Salt Lake | $68 |
| Ogden | $59 |
| Orem | $63 |
| Pleasant Grove | $78 |
| Provo | $68 |
| Roy | $62 |
| St. George | $56 |
| Salt Lake City | $65 |
| Sandy | $65 |
| South Jordan | $62 |
| Springville | $62 |
| Tooele | $53 |
| Vernal | $50 |
| West Jordan | $67 |
| Ogden | $70 |
The Utah cities with the cheapest rates are Vernal, at $50; Tooele, at $53; and Cedar City, which costs an average of $54 per month. These cities have smaller populations and are more rural than most cities in Utah, contributing to their lower rates.
Salt Lake City ($65), West Valley City, and West Jordan ($67) are the three most populated Utah cities. Although these cities are more urban and populated than the cheapest cities, they still don’t have the highest rates in Utah. The most urbanized cities, American Fork and Pleasant Grove, have the highest rates, averaging $74 and $78, respectively.
5 Ways to Get Cheap Car Insurance in Utah
If you want cheap car insurance in Utah, consider these five tips to help you save:
- Increase your deductibles. “Raising your comprehensive and collision deductibles can lower your premium,” says Nick Schrader, agency owner of Second Western Insurance.
- Only buy necessary coverages. Review your policy coverages regularly to ensure you only pay for the coverage you need.
- Pay your bills on time. Paying your bills on time can help improve your credit score, which factors into your premium, if you live in a state that allows insurers to consider your credit history. A poor credit score can increase your monthly rate by over $150.
- Maximize available discounts. “Take advantage of every discount you’re eligible for to save the most on your policy,” advises Schrader.
- Compare car insurance quotes. Comparing auto insurance quotes from different companies can help you get the best rate. Working with an independent insurance agent can make shopping for car insurance easier because they do the work for you.
Utah Auto Insurance Requirements
Like most states, Utah requires drivers to carry a minimum amount of liability auto insurance, including bodily injury and property damage liability, plus personal injury protection. Here are the minimum limits:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 per accident for property damage
- $3,000 in personal injury protection (PIP)
PIP pays for your medical bills, lost wages, and other non-medical expenses if you get injured in a car accident or as a pedestrian. Consider increasing coverage if you don’t have health insurance or have a high deductible. You should also consider increasing your bodily injury and property damage limits to cover your assets since you’re financially liable for any injuries or damage you cause above your policy limits.
Penalties for driving without auto insurance in Utah
Driving without auto insurance in Utah is a Class B misdemeanor, which can come with a $400 fine and license and vehicle registration suspension. The second and subsequent offenses within three years of the first offense increase the fine to $1,000. The fee to reinstate your vehicle registration is $100, and you must provide an SR-22 form for three years.
SR-22 auto insurance in Utah
An SR-22 is a form your insurance company submits to the Utah DMV confirming you carry at least the state-minimum coverage. Utah requires this certificate of responsibility for three years after a driver is convicted of driving without proof of insurance.
If you need an SR-22 in Utah, your rates might increase, so shop around for quotes to get the best price.
Utah Auto Insurance FAQs
Still have questions about Utah auto insurance? We answered the most common questions about getting cheap car insurance in the Beehive State.
What is the cheapest auto insurance company in Utah?
According to our analysis, Auto-Owners is the cheapest auto insurance company in Utah. GEICO, Auto-Owners, and General Casualty Insurance are also affordable alternatives. The cheapest insurance company for you will depend on your coverage needs, driving history, and age.
How much is car insurance in Utah?
The average cost of car insurance in Utah is $130 per month. How much you’ll pay for auto insurance depends on several factors, including your age, credit score, marital status, insurance company, and coverage.
Which city has the cheapest car insurance in Utah?
Vernal has the cheapest car insurance in Utah, averaging $50 per month. Tooele and Cedar City are also affordable cities, costing an average of $53 and $54 monthly.
How much car insurance is required in Utah?
Utah drivers must carry at least 25/65/15 liability limits and $3,000 in personal injury protection. The insurance company will pay, at most, per claim, $25,000 per person and $65,000 per accident for injuries you cause. The maximum payout for property damage you cause is $15,000.
What happens if you get caught driving without insurance in Utah?
If you get caught driving without insurance in Utah, you could get charged with a Class B misdemeanor. This comes with a license suspension, registration suspension, and a $400 fine for your first offense. Each subsequent offense raises the fine to $1,000.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information. All of the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.
Sources
- Insurance Information Institute. “Automobile Financial Responsibility by State.” Accessed July 14, 2023.
- National Highway Traffic Safety Administration. “Young Drivers Traffic Safety Facts 2020 Data.” Accessed July 13, 2023.
- Utah State Legislature. “Section 304 Motor vehicle liability policy minimum limits. (Effective 5/3/2023).” Accessed July 14, 2023.
- Utah State Legislature. “Section 309 Limitations, exclusions, and conditions to personal injury protection. (Effective 1/1/2021).” Accessed July 14, 2023.
- U.S. Department of Health and Human Services. “III.B. Overview of the State – Utah – 2021.” Accessed July 14, 2023.
- Utah Division of Motor Vehicles. “Vehicle Insurance Requirements.” Accessed July 14, 2023.
- World Population Review. “Cities in Utah by Population 2023.” Accessed July 14, 2023.
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