Best car insurance companies in Utah

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    Article Highlights

    For drivers looking for the best car insurance in Utah, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Utah and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Utah.

    The average Utah driver pays $1,284 per year for insurance, which breaks down to about $107 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Utah and may not reflect your actual premium quote.

    Utah Quickfacts

    • Cheapest carrier for full coverage in Utah is GEICO: $847
    • Cheapest carrier for minimum coverage in Utah is GEICO: $281
    • Carrier with highest customer satisfaction in Utah: USAA
    • Number of uninsured drivers in Utah: 8.2%
    • Utah is on the lower end for car insurance rates

    Average cost of car insurance in Utah

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,301$1,580$1,580
    Minimum coverage$536$641$641

    Quadrant data services, 2020

    Best car insurance companies in Utah

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,253$625
    GEICO$847$281
    Farmers$1,385$485
    Progressive$1,330$525
    State Farm$1,943$767
    USAA$971$380
    American Family$1,540$858
    Auto-Owners$1,355$518
    Iowa Farm Bureau$1,316$532

    Quadrant data services, 2020

    Car insurance rates in Utah by city

    City Full coverage annual rate Minimum coverage annual rate
    Salt Lake City$1,372$560
    West Valley City$1,471$631
    Provo$1,321$556
    West Jordan$1,397$600
    Orem$1,334$568

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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