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The Best Utah Car Insurance Companies

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    Drivers in Utah enjoy affordable car insurance rates, despite the state’s unique insurance laws. We compared a handful of major insurance carriers to find the best car insurance in Utah. Starting with 10 of the most popular car insurance providers in the state, we analyzed customer satisfaction, coverage options, and affordability, as well as financial strength and available discounts, to determine which are the best auto insurance companies in Utah.

    The 4 Best Auto Insurance Companies in Uta

    • USAA: Best for military families
    • American Family: Best for discounts
    • State Farm: Best for rideshare drivers
    • Geico: Best for low prices

    Compare the Best Car Insurance Companies in Utah

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength 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 Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin USAA$657.68 $1,704.53 4.8/5 A++876/1,000
    Pin American Family $1,190.10 $2,157.73 4.8/5 A 834/1,000
    Pin State Farm $1,584.57 $2,206.51 4.4/5 A++ 826/1,000
    Pin Geico $461.82 $1,454.79 4.4/5 A++ 834/1,000

    Information accurate as of 11/6/2020* Data provided by Coverage.com

    USAA

    Best for Military Families

    Why we chose it

    USAA offers the most affordable and most highly-rated car insurance for military members and their families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $657.68* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 876** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers the most affordable and most highly-rated car insurance for military members and their families.

    Pros

    • Affordable rates
    • Top-rated customer satisfaction

    Cons

    • Only available to military families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discount available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.

    Further Reading on USAA:

    American Family

    Best for Discounts

    Why we chose it

    American Family offers an impressive list of more than 20 discounts, which no other carrier can match.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,190.10* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 834** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    American Family offers an impressive list of more than 20 discounts, which no other carrier can match.

    Pros

    • Lots of discounts available
    • To-rated customer satisfaction
    • Robust coverage options

    Cons

    • High premiums for Utah drivers
    • Coverage only available in 19 states
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical expense
    • Personal injury protection
    • Gap coverage
    • Uninsured & underinsured motorist
    • Rental reimbursement
    • Roadside assistance
    • Accidental death & dismemberment

    Discounts Available

    • Multi-vehicle
    • Customer loyalty
    • Early bird
    • Multi-product
    • Steer into savings
    • Vehicle safety features
    • Defensive driver
    • Good driving
    • Low mileage
    • Young driver discounts
    • Billing discounts

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.

    Further Reading on American Family:

    State Farm

    Best for Rideshare Drivers

    Why we chose it

    The #1 car insurance provider in the state by market share, State Farm offers coverages such as rideshare that are hard to find elsewhere.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,584.57* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 826** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    The #1 car insurance provider in the state by market share, State Farm offers coverages such as rideshare that are hard to find elsewhere.

    Pros

    • Rideshare coverage
    • Above-average claims satisfaction
    • Highly-rated mobile app

    Cons

    • Highest annual premiums
    • Below-average customer satisfaction
    • Fewer discounts than competitors
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    Geico

    Best for Low Prices

    Why we chose it

    Geico offers Utah drivers the most affordable rates while maintaining top-rated customer satisfaction.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $461.82* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 834** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers Utah drivers the most affordable rates while maintaining top-rated customer satisfaction.

    Pros

    • Affordable premiums
    • Above average customer and claims satisfaction
    • Excellent online tools

    Cons

    • No gap coverage
    • Can be expensive for poor driving records or bad credit
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    *Data provided by Coverage.com, price based on the state minimum required policy. **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.

    Further Reading on Geico:

    The average cost of car insurance in Utah

    The average annual premium for state minimum liability in Utah is $536, while the average full coverage policy is around $1,301. This is lower than the national average of $1,555 a 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 have access to cheaper insurance rates. 

    Top 3 Cheapest Car Insurance Companies in  Utah

    CompanyAverage Annual Premium
    Mid Century Insurance Company$448.30
    Geico$461.82
    USAA$657.68

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Utah

    CompanyAverage Annual Premium
    State Farm$1,584.57
    American Family$1,190.10
    Esurance$1,145.48

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Utah

    CityAverage Annual Premium*
    Moab$673.37
    Vernal$725.76
    Price$730.17

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Utah

    CityAverage Annual Premium*
    West Valley City$1,060.49
    Kearns$1,046.36
    Magna$1,044.24

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap coverage: This type of coverage can help to cover the difference between your car’s actual cash value and the amount you owe on your loan or lease.
    • Rideshare coverage: Rideshare drivers may need special coverages, which only a few carriers provide.
    • Uninsured/underinsured motorist: It’s generally the case that whoever is at-fault for an accident covers the cost of property damage. If you’re in an accident with someone who doesn’t have insurance, this coverage will kick in.
    • Accident forgiveness: While most insurance premiums will increase after an accident, accident forgiveness coverage can prevent that.

    Guide to Utah Car Insurance 

    Car insurance laws vary from state to state, and it’s important to know your state’s specific laws. Some unique factors about Utah insurance are its liability coverage requirements and its no-fault insurance law.

    Utah Minimum Insurance Requirements

    Drivers in Utah must carry liability insurance to cover a situation where they are at-fault for an accident. Driving without insurance is a misdemeanor offense in Utah and can result in hefty fines and suspension of your license and registration.

    Minimum liability required in the state of Utah is divided as follows:

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

    Utah’s No-Fault Law

    Utah is a no-fault insurance state, meaning the person responsible for an accident doesn’t pay the medical bills of every party. Instead, each party is responsible for carrying insurance to cover their medical expenses. As a result, in addition to the minimum liability insurance, drivers in Utah must also carry personal injury protection of at least $3,000.

    Utah Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Utah, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Utah, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $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 coverage was applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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