Drivers in Utah usually enjoy affordable car insurance rates, but finding the right policy for your needs still requires a bit of research. Reviews.com compared the major insurance carriers by market share to find the best car insurance in Utah. Our analysis might save you time as you search for the car insurance company that fits your needs.
The 4 Best Auto Insurance Companies in Utah
To find the best auto insurance in Utah, we started by analyzing 2021 premium information from Bankrate.com for the largest companies in the state by market share. We then reviewed each company’s coverages, discounts, digital tools, and third-party scores to decide the best. Our research shows that these four companies are among the best in the state:
- 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
Although our research may help you know what factors to look at to find the best car insurance in Utah, keep in mind that your insurance search is unique. You may be looking for a different set of features than we reviewed, which means the best company for you may not be on this list. Understanding your needs and shopping around is one of the best strategies to find the right policy for you.
| 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 | $278 | $839 | A++ | 856** | |
| Pin American Family | $882 | $1,676 | A | 833 | |
| Pin State Farm | $720 | $1,648 | A++ | 848 | |
| Pin Geico | $322 | $971 | A++ | 827 |
Information accurate as of June 2022
* Premium data provided by Bankrate.com
**J.D. Power’s 2022 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rates
- High J.D. Power customer satisfaction score
- Superior AM Best financial strength
Cons
- Only available to military families
- Few local offices
- Fewer advertised discounts than some competitors
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
- Numerous discounts available
- Above-average J.D. Power customer satisfaction score
- Robust coverage options
Cons
- Higher-than-average premiums
- Coverage only available in 19 states
- Lower-than-average J.D. Powers scores for digital tools
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 available
- Highest official J.D. Power customer satisfaction score in Southwest region
- Superior AM Best financial strength
Cons
- High average annual premiums
- Accident forgiveness cannot be purchased and must be “earned”
- Higher-than-average overall NAIC complaint index
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
- Affordable premiums
- Above-average J.D. Power customer and claims satisfaction scores
- Robust online tools
Cons
- Few endorsements available
- Few local offices
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Federal employee
- Military
- Membership and employee affiliation
- Emergency deployment
*2021 premium data provided by Bankrate.com.
**J.D. Power’s 2022 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
The Average Cost of Car Insurance in Utah
The average annual premium for state minimum liability in Utah is $528, while the average full coverage policy is around $1,306 per year, according to 2021 data from Bankrate.com. This is lower than the national averages of $565 per year for minimum coverage and $1,674 per year for full coverage auto insurance.
Average car insurance rates vary widely depending on drivers’ location, driving record, credit score, age, and more. Those with clean driving records and good credit scores will usually have access to cheaper insurance rates.
Top 3 Cheapest Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| USAA | $839 |
| Geico | $971 |
| Nationwide | $1,052 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| Kemper | $2,340 |
| American Family | $1,676 |
| State Farm | $1,648 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| Cedar City | $1,195 |
| Enoch | $1,197 |
| Hurricane | $1,201 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| West Valley City | $1,503 |
| Kearns | $1,499 |
| Taylorsville | $1,493 |
* Data provided by Bankrate.com
Key Things to Know About Car Insurance in Utah
Car insurance laws vary from state to state, and it’s important to know your state’s specific laws. Additionally, knowing what coverage options can help you build a policy tailored to your unique area of the country can be helpful.
Utah Car Insurance Requirements
Drivers in Utah must carry liability insurance to drive legally. Driving without insurance in Utah may result in fines and suspension of your license and registration. Utah drivers are required to purchase a car insurance policy with at least the following coverage types and limits:
- $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 is a no-fault state, which means that your own personal injury protection coverage will initially pay for your injuries in the event of an accident, regardless of who is at fault. While minimum coverage will allow you to legally drive, you will probably need full coverage if you have a loan or lease on your vehicle. Additionally, you may want to buy higher limits for more financial protection.
Car Insurance Coverage Options
In addition to liability coverage, you might want to think about adding a few extras to your policy for more robust coverage:
- 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.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine the top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Utah, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.
