Utah drivers generally pay less than the U.S. average for auto insurance, but premiums have risen since 2021. Recent 2025 studies place statewide averages around $1,700–$1,900 per year for full coverage and roughly $550–$700 for minimum coverage. For a single-source view, Bankrate estimates about the mid-$1,700s for full coverage and the mid-$500s for minimum coverage, with similar ranges reported by NerdWallet and The Zebra. Reviews.com compared major carriers by pricing signals, satisfaction, complaint patterns and digital tools to find the best car insurance in Utah. Our data-backed analysis can help you zero in on strong options for 2025.
The 4 Best Auto Insurance Companies in Utah
To identify leading options for Utah drivers in 2025, we reviewed state-specific rate studies from reputable sources (pricing), the latest regional satisfaction results from J.D. Power, the NAIC Consumer Complaint Index, coverage features and telematics programs, along with Utah’s regulator-published premium comparisons. Our research indicates these four stand out for many shoppers:
- USAA: Best for Military-Centric Options
- American Family: Best for Discounts
- State Farm: Best for Customer Satisfaction
- Geico: Best for Low Prices
Compare the Best Car Insurance Companies in Utah
Your best carrier depends on your driver profile, vehicle, credit tier (where permitted), location and willingness to try usage-based programs. Use the comparison below for a quick snapshot, then verify current quotes and satisfaction/complaint indicators using sources linked in the footnotes.
| AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM* | AVERAGE ANNUAL FULL COVERAGE PREMIUM* | AM BEST AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. POWER** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | — | Context: UT avg ≈ $1,750 (2025)* | A++ | Not ranked; see 2025 study** | |
| Pin American Family | — | Varies; UT avg ≈ $1,750 (2025)* | A | See 2025 study** | |
| Pin State Farm | — | Often competitive; UT avg ≈ $1,750 (2025)* | A++ | See 2025 study** | |
| Pin Geico | — | Among lowest for many profiles; UT avg ≈ $1,750 (2025)* | A++ | See 2025 study** |
Information verified as of November 2025
* 2025 statewide averages cited from Bankrate.com; similar ranges ($1.7K–$1.9K full; $550–$700 minimum) are reported by NerdWallet and The Zebra. Actual prices vary by profile and ZIP.
**See J.D. Power’s 2025 U.S. Auto Insurance Study for Southwest regional satisfaction covering Utah (1,000-point scale). USAA is typically reported but not ranked due to eligibility restrictions.
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Membership-only eligibility can yield lower-than-average pricing for many profiles
- High customer satisfaction in independent studies
- Superior AM Best financial strength
Cons
- Restricted to active-duty, veterans and qualifying family members
- Fewer physical branches than some competitors
- Discount menu is smaller than some national peers
OTHER POLICIES OFFERED
- Home
- Motorcycle
- Classic car
- Aviation
STANDOUT DISCOUNTS AVAILABLE
- SafePilot
- Military installation
- Loyalty
- Good student
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Deep discount list and bundling strength in the Mountain West
- Competitive telematics (KnowYourDrive) for safe drivers
- Useful coverage upgrades (accident forgiveness, diminishing deductible)
Cons
- Pricing can trend mid‑market unless discounts/telematics applied
- Availability varies by state; verify local agency access
- Lower‑than‑top‑tier results in some digital experience studies
OTHER POLICIES OFFERED
- Boat
- Snowmobile
- Home
- Manufactured home
STANDOUT DISCOUNTS AVAILABLE
- Generational
- Early bird
- KnowYourDrive
- Young volunteer
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- Local agencies across Utah for in‑person service
- Strong satisfaction showing in regional results
- Superior AM Best financial strength
Cons
- Premiums can be higher without discounts/telematics
- Accident forgiveness availability/eligibility varies
- Compare recent NAIC complaint index values by subsidiary before buying
OTHER POLICIES OFFERED
- Home
- Condo
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- Drive Safe & Save
- Steer Clear
- Student away at school
- Vehicle safety
Best for Low Prices
WHY WE CHOSE IT
Why we chose it
Pros
- Typically competitive pricing and strong online experience
- Above-average J.D. Power customer and claims satisfaction scores
- Robust online tools
Cons
- Policy endorsements may be fewer than some competitors
- Limited local office presence
- Review the latest NAIC complaint index to compare complaint levels by company
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Federal employee
- Military
- Membership and employee affiliation
- Emergency deployment
* 2025 Utah statewide averages are used for context; company-specific premiums vary by driver, coverage and ZIP. See sources cited above.
**J.D. Power’s 2025 U.S. Auto Insurance Study covers Utah within the Southwest region; USAA is commonly reported but not ranked due to eligibility limitations.
The Average Cost of Car Insurance in Utah
For 2025, Utah’s average premiums land around $1,700–$1,900 per year for full coverage and roughly $550–$700 for minimum coverage across reputable studies. Bankrate estimates about the mid-$1,700s (full) and mid-$500s (minimum), corroborated by NerdWallet and The Zebra. Premiums have climbed since 2021 amid elevated claim severity/frequency and repair/medical cost inflation; the motor vehicle insurance CPI showed double‑digit YoY increases through 2024–2025, per the BLS.
Average car insurance rates vary widely by location, driving record, credit score (where allowed), age and vehicle. Recent nationwide analyses show a single speeding ticket can raise rates roughly 20%–25% on average, an at‑fault crash about 40%–50%, and a DUI roughly 65%–85%; drivers with poor credit often pay about 70%–90% more than excellent credit in states that permit it. See supporting research: speeding, at‑fault crash, DUI, and credit-based insurance scores.
Top 3 Cheapest Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| USAA | $839 (historical 2021) |
| Geico | $971 (historical 2021) |
| Nationwide | $1,052 (historical 2021) |
* Historical 2021 data originally modeled by Bankrate. For 2025, statewide full-coverage averages center around ~$1,750 per Bankrate, and multiple studies find Geico, State Farm and USAA frequently among the lowest-cost options for many Utah profiles (NerdWallet, Bankrate).
Top 3 Most Expensive Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| Kemper | $2,340 (historical 2021) |
| American Family | $1,676 (historical 2021) |
| State Farm | $1,648 (historical 2021) |
* Historical 2021 figures shown for reference only; current 2025 rankings vary by profile. Always compare multiple quotes and consult recent Utah rate studies (Bankrate, NerdWallet) and the state’s premium comparison to see current market dispersion.
Top 3 Cheapest Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| Logan | ~$1,250–$1,400 |
| Provo–Orem | ~$1,300–$1,500 |
| St. George | ~$1,300–$1,450 |
* 2024–2025 indicative averages synthesized from The Zebra, Bankrate and NerdWallet; exact quotes vary by ZIP, vehicle, credit tier and coverage. Utah’s regulator publishes premium comparisons that show similar patterns by county.
Top 3 Most Expensive Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| Salt Lake City | ~$1,800–$2,000 |
| South Salt Lake | ~$1,750–$1,950 |
| West Valley City | ~$1,750–$1,950 |
* 2024–2025 indicative ranges from The Zebra with corroboration from Bankrate and NerdWallet. Differences reflect profile and ZIP selection; state premium comparisons also show higher quotes in the Salt Lake Valley vs. Cache/Utah/Washington counties.
Key Things to Know About Car Insurance in Utah
Utah is a no‑fault state that requires PIP and liability coverage. Because pricing varies widely by ZIP and driver profile, use the state’s Auto Premium Comparisons tool alongside private-market studies when you shop. Many insurers also offer telematics programs that can reduce premiums for low‑risk driving in 2025.
Utah Car Insurance Requirements
Drivers in Utah must carry liability insurance to drive legally. Utah drivers are required to purchase at least these coverages:
- $25,000 bodily injury liability per person
- $65,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- $3,000 personal injury protection (PIP)
Utah law also permits a single combined liability limit of $80,000 instead of split limits, per Utah Code §31A‑22‑302. Basic PIP includes at least $3,000 per person in medical benefits, regardless of fault (§31A‑22‑304). You may pursue pain‑and‑suffering claims against an at‑fault driver only if medical expenses exceed $3,000 or specific serious injuries occur (§31A‑22‑309). Insurers must offer UM and UIM; UM defaults to your liability limits unless you reject or choose lower limits in writing (§31A‑22‑305, §31A‑22‑305.3).
Car Insurance Coverage Options
In addition to liability coverage, consider adding the following to tailor protection for Utah’s no‑fault environment and rising repair costs:
- Comprehensive and collision: These two coverages are designed to pay for damage to your vehicle due to a variety of scenarios. While they’re optional if you own your car outright, they’re typically required if you have a loan or lease.
- Gap coverage: This coverage can help to cover the difference between your car’s actual cash value and the amount you owe on your loan or lease if your vehicle is totaled or stolen.
- Rideshare coverage: Rideshare drivers may need this option, which generally provides coverage while you have your app on but before you’ve picked up a rider or order.
- Uninsured and /underinsured motorist: If you’re in an accident with someone who doesn’t have coverage or doesn’t have enough coverage to pay for your injuries, these options can help pick up the tab.
- Accident forgiveness: While most insurance premiums will increase after an accident, accident forgiveness coverage can prevent that.
Trends to watch in 2025: usage‑based insurance (Drive Safe & Save, DriveEasy, Snapshot, KnowYourDrive, IntelliDrive) is scaling and can lower costs for low‑risk drivers; connected‑car/OEM data is enhancing pricing and claims; and AI‑assisted, photo‑based estimating is speeding low‑severity claims handling. See recent industry reports from LexisNexis, CCC and Mitchell.
Frequently Asked Questions
Methodology
Reviews.com evaluates insurers on affordability, customer support, coverage options, customer satisfaction and digital resources. For Utah 2025, we synthesized pricing insights from state‑specific analyses by Bankrate, NerdWallet and The Zebra; satisfaction from J.D. Power 2025; and complaint benchmarks from the NAIC. We also referenced Utah’s regulator premium comparisons to validate market dispersion.
Where a single average is needed for context, we cite 2025 Bankrate Quadrant data for a clean-driver profile (commonly a 40‑year‑old with typical limits/deductibles). For full coverage, many studies model limits similar to:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, sources use each state’s legal minimums. Base profiles often assume a late‑model sedan (e.g., Toyota Camry), ~12,000 miles annually and a clean record; your price may vary. Always consult each source’s methodology page for specifics, and use these figures for comparative purposes only.
