Utah’s low population density and high percentage of insured drivers help to counter its no-fault laws and frequent auto thefts, which often raise auto insurance premiums. The result is a typical annual rate that falls $136 below the national average. But premiums are highly individual: Your rate can vary significantly depending on where you live, which car you drive, and much more. Salt Lake City residents, in particular, may find their rates to be well above the state average due to the high number of auto thefts that take place each year.

The only way to find the best Utah auto insurance company for you is to shop around. Investigate how much coverage you need, then determine which endorsements and discounts are important for your specific situation. The best auto insurance company will give you the best deal for the coverage you need. You can get started by using our quote tool.

Utah Minimum Liability

All states require their drivers to carry auto insurance, but the minimum requirements vary. In Utah, drivers are required to carry:

  • $25,000 bodily injury coverage per person
  • $65,000 bodily injury coverage per accident
  • $15,000 property damage coverage per accident

This is often abbreviated as 25/65/15 coverage.

Because Utah is a no-fault state (more on that below), drivers are also required to carry a minimum of $3,000 of personal injury protection, which pays for medical bills in the event that are you are injured in a car accident.

We recommend purchasing more than the minimum amount of coverage whenever possible. Although this will make your premiums more expensive, it could save you thousands in the event of an accident. Say you cause $40,000 worth of property damage: If you only have state minimum coverage, $25,000 will have to come out of your pocket. It’s best to err on the side of caution and purchase greater coverage if you can afford to do so.

There are other ways to find good deals without skimping on coverage. Each company uses its own algorithms to calculate your premiums based on your vehicle, driving history, and location. Additionally, the best auto insurance company offers a plethora of discounts and endorsements that may save you money down the line. By shopping around, you can determine which company caters to your specific needs while offering an affordable price. Our top picks are a great place to start.

Utah Auto Insurance Reviews

Auto-Owners

Auto-Owners is sold through a network of local independent agents to ensure that each customer is always given the personalized support that they need. And according to the latest J.D. Power and Consumer Reports surveys, it’s doing something right. The company received a 93 overall from Consumer Reports and a five out of five for the simplicity of the claims process and the timeliness of the payment. J.D. Power also gave it an above-average score.

Auto-Owners is a great place to start if you’re looking to build a custom policy. Its add-ons are unique — from diminished value coverage, which compensates you for any decrease in the value of your vehicle following an accident, to Personal Automobile Plus package, which offers additional protections for things like rekeying locks and replacing a stolen cell phone. The one perk Auto-Owners doesn’t have is accident forgiveness, so you may be subject to rate increases if you do happen to be involved in an accident. If this is more important to you then customizable add-ons, you may want to check out Travelers or Farmers.

Rates from Auto-Owners are typically low, and there are an impressive 13 discounts available to help bring costs down even more. When you’re ready to get a quote from Auto-Owners, visit its website to find the agent nearest you and give them a call: Unlike most of our top picks, whose quote tools make research easy, you’ll have to wait for Auto-Owners to call you back with a quote.

Travelers

Travelers gave us our cheapest quote; no surprise, given its reputation for being affordable. This is due in part to its 15 auto insurance discounts — the most of any company on this list — that enable you to save by being a safe driver, enrolling in autopay, owning a home, and participating in its IntelliDrive program, among other things. Another reason Travelers premiums are so low is that its deductibles are comparatively high: from $500-$5,000. If low premium costs aren’t worth the high deductibles for you, you may be better off with Liberty Mutual, whose collision and comprehensive deductibles start as low as $50.

In addition to required coverage, Travelers also offers a variety of standard endorsements: collision and comprehensive, uninsured and underinsured motorist coverage, accident forgiveness, and more. There’s also the rare GAP coverage, which helps to pay off the balance of your lease or loan if your car is totaled.

Travelers received mixed reviews from consumers. Consumer Reports gave it a 90 — the second-highest score of our our picks — and it received above-average ratings for its claims handling. However, it earned a two out of five from J.D. Power thanks to low ratings in the Policy Offerings and Interaction categories. If you value strong ratings across the board, a company like Auto-Owners may better put your mind at ease.

Farmers

Farmers offers some of the most comprehensive auto insurance protection in the industry. Coverage limits go as high as 500/500/500 — the highest of any of our top picks and the best choice for making sure you’re covered under any circumstance.

Because of these high coverage limits, coupled with high deductible options, Farmers gave us our most expensive quote. Collision and comprehensive deductibles start as low as $100 and go as high as $2,500, but there are no high-deductible options like Travelers offers for those who want a lower premium.

Farmers’ add-ons are unique enough to warrant a second look. Among custom equipment coverage, new car replacement, and ridesharing coverage (perfect for Uber and Lyft drivers), Farmers offers numerous “forgiveness” endorsements. There’s the standard accident forgiveness, which prevents your rates from going up following your first accident. But there’s also small claim forgiveness, which keeps your rates from going up following small accidents, and incident forgiveness, which stops you from being penalized for speeding tickets or other citations. Finally, there’s comprehensive claims forgiveness. With this coverage, you don’t have to worry about your rates going up if you run into a deer or your car is stolen.

Liberty Mutual

Liberty Mutual is another great choice, offering a generous deductible range from $50 to $2,000 and a number of discounts we didn’t find anywhere else: new policyholder, newly married, new graduate, and more. It also fell just behind Travelers in our quote analysis, so it’s entirely possible that Liberty Mutual will offer you the best deal.

Liberty Mutual’s endorsements offer even more opportunities to save in the long-term. One of the best is Liberty Mutual’s Lifetime Repair Guarantee — as long as you get your vehicle fixed at one of the company’s approved locations, any repairs that are done will be covered for the life of your vehicle. If the same item breaks again, it will be repaired at no cost to you.

The one drawback is that Liberty Mutual doesn’t offer high levels of coverage, topping out at 250/500/100. While this should be plenty for most people, if you’re looking for more coverage — say, you live in an area where medical costs are very high — you may feel more comfortable going with a company like Farmers.

CSE Insurance

CSE Insurance, like Auto-Owners, is sold through a network of independent agents. Unfortunately, because it is a small, regional insurer, it failed to make it into J.D. Power and Consumer Reports’ survey. Because we couldn’t get a sense for its customer service or the efficacy of its claims process, we can’t recommend it over the other companies on this list, but it still may be worth exploring as you begin to gather quotes.

In particular, CSE Insurance might be your best option if you’re interested in rare coverages like ridesharing and GAP coverage. It’s also the only company on this list to offer original equipment manufacturer (OEM) coverage. This optional endorsement ensures that your vehicle will be repaired with parts from the original manufacturer, instead of opting for cheaper and potentially lower-quality parts.

Unfortunately, CSE Insurance doesn’t offer many opportunities for you to save on your auto insurance. You get discounts for bundling home and auto, for insuring multiple vehicles, and for being a safe driver. Good students are also eligible for savings. Beyond that, your only option is to opt for a higher deductible in exchange for lower premiums. However, their pricing algorithm may work in your favor — as with all of our top picks, we recommend getting a quote to see exactly how your quote shakes out. When you’re ready to do so, you can find a local agent on CSE’s website and give them a call. They will take your information and get back to you with a quote.

Auto Insurance Tips for Utah Drivers

Utah is one of 12 no-fault auto insurance states, so additional coverage is required.

The no-fault auto insurance system was originally developed to help eliminate the number of small claims cases over who was at fault in an auto accident. Rather than the insurance company of the at-fault driver paying out the claim, each driver is paid by their own insurance company, regardless of who caused the accident.

In no-fault states, drivers are required to purchase personal injury protection (PIP) in addition to the standard bodily injury and property damage liability coverage. In Utah, all drivers are required to have at least $3,000 of PIP. This pays for any medical care you need as well as for any lost wages you incur as a result of the accident.

Because of the way the law is set up, drivers are limited in their ability to sue for medical benefits. Unless medical bills total more than the $3,000 covered by your PIP, you are not able to sue the other person, even if they caused the accident. Once your bills exceed that amount, you can seek further compensation if you wish, and the courts will decide how much money you are entitled to.

Additional endorsements can protect you against Utah's high auto theft rates.

According to the National Association of Insurance Commissioners (NAIC), Utah boasts the fifth-highest rate of vehicle thefts in the nation, with nearly four out of every 1,000 vehicles getting stolen each year. Salt Lake City, in particular, is known as a hotbed for auto theft.

The most commonly stolen vehicles in Utah are:

  • Honda Accord
  • Honda Civic
  • Ford Pickup (Full-Size)
  • Chevrolet Pickup (Full-Size)
  • Toyota Camry
  • Jeep Cherokee/Grand Cherokee
  • Dodge Pickup (Full-Size)
  • Subaru Legacy
  • Toyota Corolla
  • Nissan Altima

So what can you do to protect yourself? Aside from common-sense protections like locking doors, you may want to consider investing in an anti-theft device. Several insurers, including Auto-Owners and Liberty Mutual, will give you discounts for having one of these on your vehicle.

Adding comprehensive coverage for your vehicle is also worth considering. It’s not required by law, although if you have a lease or loan on your vehicle, your lender may require it of you. Comprehensive coverage protects your vehicle against non-collision-related damages like storms, collisions with animals, vandalism, and, of course, theft. Without this coverage, you won’t receive any compensation for your stolen vehicle.