Cheapest Car Insurance in Utah: Cost and Companies (2024) – MarketWatch

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The cheapest car insurance in Utah comes from Geico, USAA, Auto-Owners, State Farm and Progressive for both full- and minimum-coverage insurance
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Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.
Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.
We at the MarketWatch Guides team have reviewed the cheapest car insurance options in Utah. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in the state, comparing rates, coverage, ratings and reviews. You’ll find estimates for drivers from different profiles and a list of recommended providers below, along with key information about Utah insurance laws and regulations.
Key Takeaways:
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The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Learn more about our methodology and editorial guidelines.
Car insurance rates are slightly cheaper in Utah than the national average. This means that you stand a good chance of finding great car insurance in Utah at excellent rates. Below, we’ll look at the cheapest car insurance companies and coverage options in the state, starting with the most affordable providers.
The cheapest car insurance companies in Utah are Geico, USAA, Auto-Owners, State Farm and Progressive. Below are the overall and coverage ratings for these providers.
*Our research team considers nationwide factors when scoring providers. However, the order of providers in this table is specific to car insurance in Utah.
Car insurance companies have difficult methods for calculating insurance premiums. This means that no two quotes you receive will be the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Utah.
The coverage level you choose has a major impact on the price you pay for car insurance coverage. Many quotes from providers include estimates for minimum-liability and full-coverage car insurance.
Below are the cheapest auto insurance options in Utah for both coverage types.
At $38 per month or $451 per year, USAA provides the cheapest car insurance in Utah on average. Geico and Auto-Owners Insurance also offer some of the cheapest policies in the state. Below is the complete list of the cheapest liability insurance companies in Utah.
Geico tends to have the cheapest full-coverage car insurance policies in Utah, costing $94 per month or $1,129 per year. USAA and Auto-Owners Insurance are also strong options for Utah motorists.
These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.
Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Utah. Below we compare cheap car insurance estimates for Utah drivers in these categories.
Young drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Utah, along with estimated monthly and annual costs.
In the Beehive State, teen drivers pay a steep price for full car insurance coverage. We found that Auto-Owners Insurance tends to offer cheap auto insurance for 16-year-old drivers, costing around $4,336 per year or $361 per month for full-coverage insurance. The average rate estimate for a 16-year-old driver in Utah is $6,625 per year or $552 per month.
Our team found that Geico offers cheap car insurance estimates for 17-year-old drivers in Utah at $3,356 per year or $280 per month. The average rate estimate for 17-year-old Utah drivers is $5,296 per year or $441 per month.
Based on our research, 18-year-old drivers can find affordable car insurance through Geico for $2,663 per year or $222 per month. The average rate estimate for an 18-year-old Utah driver is $4,637 per year or $386 per month.
Utah drivers in their early 20s pay substantially less for car insurance than teen drivers. For 21-year-old drivers, Geico offers the cheapest auto insurance prices on average at $1,251 per year or $104 per month. The average rate estimate for 21-year-old drivers is $2,368 per year or $197 per month.
On average, Geico provides the cheapest car insurance rates for an annual premium for 25-year-old drivers at $948 per year or $79 per month. The average rate estimate for a 25-year-old Utah motorist is $1,712 per year or $143 per month.
Car insurance rates decline as drivers age. With more practice behind the wheel and general life experience typically comes safer driving habits. That said, as drivers age into their 70s, they may see rates increase again to account for an uptick in auto accidents for seniors.
Thirty-year-old drivers in Utah can find cheaper rates than the state average from providers like Geico and USAA. Our data shows that good drivers pay an average of $80 per month or $954 per year with Geico.
Rates decline slightly for drivers who are 35 years old. This age group can find the cheapest rates from USAA, Geico and Auto-Owners according to our data. Good drivers at the age of 35 pay about $78 per month or $940 per year with USAA.
While turning 40 is a personal milestone, you might only pay a few dollars less per month for insurance than you did in your 30’s. Our data shows the same companies are cheapest for both age groups — USAA, Geico and Auto-Owners. Forty-year-old drivers with USAA pay about $76 per month or $913 per year.
Insurance companies know 50-year-olds aren’t speeding around town or driving late at night anymore for the most part. That’s why this age group enjoys some of the lowest car insurance rates on average. Drivers in their 50s can get cheap rates from USAA, Geico and Auto-Owners (as you might have guessed). Full-coverage rates with USAA are about $71 per month or $852 per year on average.
Our data shows 65-year-olds pay slightly higher rates than 50-year-olds. Drivers in the former group can find cheap rates from our top three picks once again: USAA, Geico and Auto-Owners. The cheapest coverage comes from USAA at $75 per month or $896 per year on average.
Age can bring wisdom but also higher car insurance rates. Some drivers in their 70s may be losing a bit of their coordination or reaction speed, which can increase risk on the road. Seventy-five-year-olds can still find affordable rates from Geico, USAA and Auto-Owners according to our data. This time, Geico is the cheapest option with average rates of $91 per month or $1,095 per year.

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In addition to age, your driving history and credit score will also influence your rates. The sections below provide the average cost of car insurance for different driving situations, such as car insurance rates if you got a speeding ticket or DUI.
A speeding ticket makes you more of a liability to insure in the eyes of insurance companies, so you can expect your rates to go up if you get one. On average, Utah drivers with a speeding ticket pay $1,839 per year.
If you are deemed at-fault for an accident, you’re likely to see your rates go up. On average, Utah drivers with a recent at-fault accident pay $2,353 per year for car insurance.
A DUI will cause your rates to rise more than a speeding ticket or an accident. On average, Utah drivers with a DUI on their driving record pay $2,330 per year for car insurance.
Utah is one of many states in which your credit score impacts your premiums. Drivers with good credit get the best rates, while drivers with fair or poor credit scores pay more. On average, Utah drivers with poor credit pay $2,883 per year for car insurance.
Some of the reasons Utah drivers generally pay less than the national average for car insurance may include the state’s low number of auto fatalities and Utah drivers’ low average annual mileages. Here are a few statistics about Utah drivers versus the national average, according to the U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS):
Based on our research, Utah drivers pay about 13% less for car insurance than the national average. But that doesn’t mean motorists shouldn’t take advantage of the car insurance deals and discounts available. The table below compares car insurance deals and discounts by the top providers in Utah, which we’ll discuss in further detail below.
*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.
The best way to find out which car insurance deals you may qualify for in Utah is by shopping around for car insurance. As you look for a new provider, you’ll want to pay special attention to the types of coverage offered and the auto insurance discounts available for your situation. Be sure to speak with your insurance agent to see if there are any discounts you qualify for with your current policy.
Here are further details about the standard car insurance discounts offered by providers:

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For those who would like to know about the cheapest auto insurance in the Beehive State, the sections below contain more detailed information.
In our industry review, we named Geico as the best provider overall, and it can be a smart option for many Utah drivers as well. The company offers some of the lowest average rates in the state, especially for young drivers and those with good credit, and it has a number of car insurance discounts available to help drivers save.
J.D. Power regional rating: 827/1,000
AM Best Financial Strength Rating: A++
Better Business Bureau (BBB) Rating: A+
USAA is known for offering some of the most affordable rates nationwide and for Utah drivers. It also received the highest customer satisfaction score for the Southwest region in the J.D. Power 2022 U.S. Auto Insurance Study℠. Although USAA coverage is only available to military members, veterans and their families, it can be a solid choice for those who qualify.
J.D. Power regional rating: 856/1,000
AM Best Financial Strength Rating: A++
BBB Rating: Not Rated
Auto-Owners is a regional insurance company operating in 26 states including Utah. Our cost data shows the company is one of the cheapest providers in the state for many different types of drivers. Auto-Owners offers all the standard coverages plus extras like diminished value coverage and loan or lease gap insurance. While it isn’t included in the Southwest region of J.D. Power’s study, it does rank highly in the Southeast region with 871 points.
J.D. Power regional rating: Not included in Southwest region
AM Best Financial Strength Rating: A++
BBB Rating: A+
State Farm is next on our list of the best options for car insurance in Utah. We rate the company highly overall and think it is a good option for student drivers because of the many discount offers available to young drivers and college students. The Steer Clear® mobile app, for example, allows teens and new drivers to receive course training, mentoring and driving practice, as well as a discount on their policy.
J.D. Power regional rating: 848/1,000
AM Best Financial Strength Rating: A++
BBB Rating: A+
In our search for the cheapest car insurance in Utah, we found Progressive deserves a spot on this list. Progressive is the fourth cheapest option for full coverage insurance in Utah overall and is also the cheapest company for drivers with a DUI. Good drivers can save more with Progressive’s Snapshot® program, which awards discounts based on your real-time driving habits.
J.D. Power regional rating: 800/1,000
AM Best Financial Strength Rating: A+
BBB Rating: B

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The average cost of full coverage car insurance in Utah is $1,507 per year or about $126 per month. Utah drivers pay less than the national average rate of $1,730 per year. According to the National Association of Insurance Commissioners (NAIC), Utah is the 24th-most expensive state to purchase an auto insurance policy.
Minimum coverage car insurance in Utah averages $681 per year or about $57 per month, making it 7% more expensive than the national average of $635 per year. These estimates for full coverage and minimum coverage are based on the profile of a 35-year-old driver with a good credit history and clean driving record.
Like in most states, young drivers under the age of 25 pay more for car insurance premiums than middle-aged drivers. We found that 16-year-old drivers pay an average of $6,625 per year or $552 per month for full coverage car insurance, while car insurance for 30-year-old drivers averages $1,572 per year or $131 per month.
Rates vary within the state based on where you live. This table shows the average rates for full coverage insurance in different Utah cities.
*Average rates above apply to the top three companies in each city.
To get a sense for what you may pay for Utah auto insurance, we recommend comparing quotes from multiple providers since rates vary from driver to driver. 
Most insurers consider the following when calculating your premium:
All drivers must carry car insurance in Utah. According to state law, drivers must maintain the following minimum coverage limits:
Uninsured/underinsured motorist coverage can be waived, but you must indicate that you decline this coverage via a written statement to your insurer.
If you are found driving without the state minimum required car insurance in Utah, you may be subject to the following penalties:
Utah is a no-fault state. This means that your insurer pays for damages to your vehicle, regardless of fault. This is why personal injury protection is mandatory.
USAA, Geico and Progressive generally offer the cheapest car insurance in Utah. While you’ll likely receive affordable rates from these providers, we recommend comparing car insurance quotes from multiple insurers to find the best coverage for your needs.

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In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Utah. We also looked at the average cost of car insurance and coverage requirements in the Beehive State. 
Below are frequently asked questions about the cheapest car insurance in Utah:
Based on our rate estimates, the average 35-year-old driver pays as little as $75 per month for a full-coverage car insurance policy.
We found that USAA, Geico and Auto-Owners tend to be the cheapest place for drivers to get car insurance in Utah. Each of these companies provides affordable policies, a range of coverage options and stellar customer service.
The average cost of full coverage car insurance in Utah is $1,507 per year, though policies can be found for as little as $75 per month. That compares favorably to the national average, which is $1,730 per year.
It depends on the value of the car itself, but it is usually more expensive to insure a new car than an old car. That’s because the replacement cost of a new car is more than that of an older vehicle.
In most cases, you can get a discount on your car insurance policy if you pay in full. If you can afford to pay the policy upfront, it’s better to do that. If doing so would put you in a difficult financial situation, monthly payments are a better choice.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Our credentials:
*Data accurate at time of publication.
Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.
Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.
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