The Best Utah Auto Insurance Companies
Utah’s relatively low population density and high percentage of insured drivers help to counter its no-fault laws and frequent auto thefts, which often raise car insurance premiums. But prices are highly individual: Your rate can vary significantly depending on where you live, the car you drive, and much more. Salt Lake City residents, in particular, may find their rates to be above average due to the high number of auto thefts that take place each year.
How We Found the Best Utah Auto Insurance Companies
To find the best auto insurance in Utah, we used a method similar to the one in our review of nationwide auto insurance providers. We gathered the largest insurers in the state by market share and ensured that they had the financial solvency to pay out on claims by checking with independent rating agencies A.M. Best, Moody’s, and S&P Global. From there, we compared coverage options, discounts, and customer satisfaction ratings from J.D. Power and Consumer Reports to figure out which companies provide the best value to consumers.
Finally, we picked up the phone, checked out websites, and tested the quote process for ourselves to see which company made insurance as painless as possible — from getting a quote to filing a claim.
The 6 Best Auto Insurance Companies in Utah
Auto-Owners car insurance is sold through a network of local independent agents to ensure that each customer is given the personalized support they need. According to the latest customer satisfaction surveys, this method is working. The company received a 93 out of 100 overall from Consumer Reports and “excellent” ratings for the simplicity of its claims process and timeliness of payments. J.D. Power also gave it an above-average score for claims satisfaction, although it didn’t receive a rating for the Southwest region in J.D. Power’s regional satisfaction survey.
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 its 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.
Travelers gave us our cheapest quote, which supports its reputation for being affordable. This is due, in part, to Travelers’ 15 auto insurance discounts — the most of any company on this list. You can save by being a safe driver, enrolling in autopay, owning a home, and participating in its IntelliDrive program, among other options.
It’s important to note, though, that with lower premiums come higher deductibles. Travelers is no exception, with collision and comprehensive deductibles ranging from $500 to $5,000. If low premium costs aren’t worth the higher out-of-pocket for you, you may be better off with Liberty Mutual — its collision and comprehensive deductibles start as low as $50.
In addition to required coverage, Travelers offers a variety of standard endorsements: collision and comprehensive, uninsured and underinsured motorist coverage, accident forgiveness, and more. The company also provides gap coverage, which helps pay off the balance of your lease or loan if your car is totaled.
In terms of customer satisfaction, Travelers has received mixed reviews. Consumer Reports gives it a 90 out of 100, and it receives average ratings for claims handling. However, it earned just two out of five Power Circles in J.D. Power’s southwest region assessment, 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 offers some of the most comprehensive auto insurance protection in the industry. With liability limits as high as 500/500/500, you can be sure you’re covered in any circumstance. Even at lower coverage limits, though, Farmers gave us the most expensive quote of any company listed here.
That said, Farmers’ add-ons are unique enough to warrant a second look. It has plenty of supplemental coverage options that can be used to customize your policy, including custom equipment coverage, new car replacement, and ridesharing coverage (perfect for Uber and Lyft drivers).
Farmers also 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.
If you have an accident-prone driver on your policy or live in a risky area, these “forgiveness” endorsements alone may make it worth paying a little extra for Farmers insurance.
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, like Auto-Owners, is sold through a network of independent agents. Because CSE is a small, regional insurer, it wasn’t included in J.D. Power and Consumer Reports’ surveys. Without customer input on service and claims, we can’t recommend it over the other companies on this list — but it’s still worth exploring as you begin to gather quotes.
In particular, CSE Insurance might be your best option if you’re interested in coverages like rideshare and gap insurance. It also offers original equipment manufacturer (OEM) coverage. This optional endorsement ensures that your vehicle will be repaired with parts from the original manufacturer, rather than opting for cheaper and potentially lower-quality parts.
Unfortunately, CSE Insurance doesn’t offer many opportunities to save on your auto insurance. You can 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, CSE’s pricing algorithm may work in your favor — as with all of our top picks, we recommend getting a quote to see exactly how prices shake out. When you’re ready to do so, you can find a local agent on CSE’s website who will take your information and get back to you with a quote.
USAA insurance is only available to those with military involvement — active or former — and their family members. Because of this service requirement, our access to USAA’s coverage and pricing information was limited.
If you are eligible for USAA coverage, it’s absolutely worth pulling a quote. The company scores an impressive five out of five in J.D. Power’s overall claims satisfaction and regional customer satisfaction studies, meaning the majority of USAA customers are pleased with their insurance experiences. Consumer Reports also gives it an “excellent” score of 96 out of 100 — a noteworthy feat in the insurance industry. In terms of financial stability, A.M. Best gives it an “A++” rating, so you can absolutely count on USAA to reliably pay out your claims.
Cheapest Car Insurance Companies in Utah
Average Annual Premium by Company
|Car Insurance Companies||Average Annual Premium|
|American Family Insurance||$806|
Quadrant car insurance rate data as of 07/01/2019.
Average Annual Premium by Credit Tier
|Credit Rating Tier||Average Annual Premium|
|Average Credit Ratings Tiers||$1,000|
Quadrant car insurance rate data as of 07/01/2019.
Top 3 Cheapest Companies
- USAA: $483
- GEICO: $527
- Esurance: $677
Top 3 Most Expensive Companies
- Allstate: $1,025
- Farmers Insurance: $994
- State Farm: $912
The cheapest auto insurance companies in Utah are USAA, GEICO, and Esurance. Insurance in Utah is less expensive than other western states, sitting a little over a hundred dollars below the national average. Utah’s low population density makes city-based insurance risks far less of a factor when it comes to rates. The minimum requirements are also in line with most states. However Utah requires a higher limit towards bodily injury coverage, at $65,000. Weather is most likely one of the biggest risk factors, with Utah temperatures and climate at both extremes of hot and cold.
Guide to Utah Auto Insurance
Utah’s minimum liability requirements
Almost every state requires 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. This means that if you’re found to be at fault in an accident, your insurance company will cover up to $25,000 in medical bills per person, with a maximum of $65,000 total per accident. It will also cover up to $15,000 in property damages per accident.
Personal Injury Protection (PIP) in Utah
In no-fault states, drivers are required to purchase personal injury protection (PIP) in addition to the standard liability coverage. Utah drivers are required to have at least $3,000 of PIP. This pays for any medical care you need, as well as lost wages you incur as a result of an accident.
Because of the way no-fault law is set up, drivers are limited in their ability to sue for medical benefits. Unless medicals bills total more than the $3,000 covered by your PIP, you are not able to sue another 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’re entitled to.
Be mindful of auto theft in Utah
The National Association of Insurance Commissioners (NAIC) reports Utah as holding the fifth-highest rate of vehicle thefts in the nation, with nearly four out of every 1,000 vehicles stolen every 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
If you own one of these models, be extra vigilant about parking your car in a safe location and locking up every time you get out. You may also want to consider installing an anti-theft device. As an added perk, many insurance companies will cut you a discount for having an anti-theft device in your car.
Look at all of your options
The only way to find the best Utah auto insurance is by shopping around. Investigate how much coverage you need and determine which endorsements and discounts are important for your specific situation. Then request quotes and look for the best deal on the policy you need.
Each insurer uses its own algorithms to calculate cost based on your vehicle, driving history, and location. Additionally, the best auto insurance companies offer 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 — and the quote tool at the top of the page — are a great place to start.
Utah Auto Insurance FAQ
According to the National Association of Insurance Commissioners, the average auto insurance rate in Utah is $873 per year — below the national average of $1,009.
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.
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 of your vehicle, your lender may require it. 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.
The Best Utah Auto Insurance Companies: Summed Up
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We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.