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Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 09, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
Bankrate's editorial team includes four licensed property and casualty agents with almost 50 years of combined industry experience. We know that finding the best coverage is more than finding the cheapest rates. Although we studied proprietary rate data, we also analyzed third-party scores, coverage options and more to paint a complete picture of Utah auto insurance. Based on our investigation, you could find the best car insurance in Utah with USAA, Geico and State Farm. Key takeaways Colorado's statewide average for full coverage car insurance tends to fall below the national average. Car insurance is mandatory in Utah, and failure to maintain continuous coverage could lead to a $1,000 fine and suspensions of your driver's license and registration. Based on our extensive study, USAA, Geico and State Farm offer some of the best car insurance in UT. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Utah
To find the best car insurance in Utah, Bankrate's insurance editorial team analyzed a host of metrics, including AM Best ratings, J.D. Power customer satisfaction scores, discount availability and online accessibility. Additionally, we studied premium data provided by Quadrant Information Services. Using this information, we calculated a Bankrate Score ranging from 0.0 to 5.0 for each company. Our goal is that our holistic scoring model will help drivers get a complete and convenient view of how well a company performs while they shop for new car insurance.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $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 2020 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.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Utah
Bankrate analyzed major car insurance carriers using proprietary premium data provided by Quadrant Information Services and trusted third-party ratings such as from the . Based on our findings, USAA, Geico and State Farm provide the best Utah car insurance. Insurance company Average annual premium J.D. Power customer satisfaction score (Southwest region) Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual premium $876 J.D. Power customer satisfaction score (Southwest region) 856 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual premium $974 J.D. Power customer satisfaction score (Southwest region) 827 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual premium $1,670 J.D. Power customer satisfaction score (Southwest region) 848 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual premium $1,253 J.D. Power customer satisfaction score (Southwest region) 800 /1,000 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Average annual premium $1,179 J.D. Power customer satisfaction score (Southwest region) Not rated Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Not officially ranked with J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Though not officially ranked due to its eligibility requirements, USAA is consistently one of the highest-scoring carriers among the J.D. Power customer satisfaction scores in all regions of the country. USAA also earned the top spot on our picks for overall. While customer service appears to be a priority for the carrier, not everyone qualifies for coverage. USAA is only available for active-duty and retired military personnel and their eligible, immediate families. The qualification requirements may make many Utah drivers ineligible, but if you do meet USAA's eligibility criteria, you will have full access to its coverage options, multiple discounts and highly-rated mobile app. The insurance company also offers a variety of other products including home and life insurance, online banking and retirement plans. Read full Pros and cons CheckmarkPros Historically low average premiums Policies tailored to military needs Close XCons Strict eligibility requirements Few local agencies Compare rates by city Utah city USAA full coverage premium USAA minimum coverage premium Orem, UT $870 $305 Provo, UT $876 $307 Salt Lake City, UT $933 $330 Sandy, UT $894 $320 West Jordan, UT $945 $343 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Drivers in Utah may consider getting a quote from Geico if they are looking for some of the least expensive premiums. Geico offers a multitude of discounts, which is one aspect that makes it appealing to drivers looking for affordable coverage. Discounts include affiliation savings, multi-vehicle and bundling, to name a few. The carrier also has a full-service mobile app and an online portal where you can request a quote, update your policy, order roadside assistance or file a claim. However, Geico primarily does business over the phone and online. With only one local office in Utah, it may not be the best option for those who prefer to do business in person. Read full Pros and cons CheckmarkPros Premium tend to be lower than the state average Robust online policy management options Close XCons Only one local office in Utah Fewer coverage options compared to other companies Compare rates by city Utah city Geico full coverage premium Geico minimum coverage premium Orem, UT $980 $337 Provo, UT $956 $330 Salt Lake City, UT $999 $327 Sandy, UT $955 $326 West Jordan, UT $1,006 $320 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Whether you're looking for a local agent in Utah or prefer using an app or going online for policy management, State Farm likely has an option to match your preference. Not only is State Farm the largest provider of auto insurance in the U.S. based on market share, but it has plenty of coverage options, discounts and driving programs available. The popular usage-based program and for teens are two examples of programs designed to help drivers in Utah save even more. However, according to our rate analysis, State Farm may not be the cheapest insurance company in Utah, so this company may not be the best fit for those on a tight budget. Read full Pros and cons CheckmarkPros Many local agents across the state Highly-rated mobile app Close XCons Could be more expensive than other carriers Accident forgiveness is not available Compare rates by city Utah city State Farm full coverage premium State Farm minimum coverage premium Orem, UT $1,798 $746 Provo, UT $1,795 $730 Salt Lake City, UT $1,807 $723 Sandy, UT $1,695 $691 West Jordan, UT $1,824 $778 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: + Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Progressive could be an excellent choice for drivers looking for a personalized policy that fits their budget. Not only does Progressive offer plentiful discount opportunities, such as its telematics program, but it also offers its Name Your Price tool. Since the Name Your Price tool walks you through choosing your coverage package, Progressive may be an attractive carrier for those buying their first car insurance policy. However, Progressive ranked towards the bottom of the 2022 J.D. Power U.S. Auto Insurance Study. Additionally, it scores on the National Association of Insurance Commissioners (NAIC) customer complaint index for private passenger coverage. Drivers looking for top-notch service may want to read customer reviews to get a sense of what it's like to be a Progressive policyholder. Read full Pros and cons CheckmarkPros Name Your Price tool streamlines purchasing process Strong digital presence via mobile app and online portal Close XCons J.D. Power customer satisfaction score is lower than the industry average Slightly higher-than-baseline customer complaints per the NAIC Compare rates by city Utah city Progressive full coverage premium Progressive minimum coverage premium Orem, UT $1,467 $629 Provo, UT $1,448 $599 Salt Lake City, UT $1,278 $582 Sandy, UT $1,233 $556 West Jordan, UT $1,157 $506 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Auto-Owners offer car insurance in 26 states, Utah included. This carrier made our list of best car insurance companies in Utah in part due to its robust optional endorsements. Along with more common coverage add-ons such as gap insurance, Auto-Owners offers unique endorsements you may not find with other carriers. These may include diminished value, additional expenses to pay for a rental and lodging if you're stranded due to a covered claim and the personal automobile plus package, which pays for things like re-keying locks and identity theft. However, J.D. Power omitted Auto-Owners in its Southwest 2022 Auto Insurance Study, so you may want to reach out to friends and family who insure with this company to ask about their experience. Read full Pros and cons CheckmarkPros Many coverage endorsements available A++ (Superior) rating from AM Best Close XCons Only available in 26 states Quotes only available through an agent Compare rates by city Utah city Auto-Owners full coverage premium Auto-Owners minimum coverage premium Orem, UT $1,274 $498 Provo, UT $1,246 $478 Salt Lake City, UT $1,285 $483 Sandy, UT $1,239 $473 West Jordan, UT $1,270 $493 Answer a few questions to see personalized rates from top carriers. Average car insurance cost in Utah
The average car insurance cost in Utah is $544 annually for minimum coverage and $1,449 annually for a full coverage policy. This average rate is well below the , which is $1,771 per year, and about on par with the national average for minimum coverage, which is $545 per year. Utah may be less expensive because it is as other states, which can impact average due to accidents from congested roads being less likely. The rates below represent up-to-date quoted annual premiums gathered through Quadrant Information Services. However, your rates may be more or less expensive based on personal factors. Average annual premium for minimum coverage in Utah Average annual premium for full coverage in Utah $544 $1,449
Utah city Average annual premium for full coverage Average annual premium for minimum coverage Orem, UT $1,492 $586 Provo, UT $1,467 $574 $1,561 $602 Sandy, UT $1,489 $587 West Jordan, UT $1,533 $612 How to find the best car insurance in Utah
Finding the best car insurance in Utah will depend on your unique needs and financial situation. Once you factor in the minimum insurance requirements, both state-mandated and from your lender (if you have an ), plus your own coverage needs, you can begin the process of selecting the best auto insurance in Utah. Consider minimum insurance requirements in Utah
When purchasing car insurance, Utah drivers must have at least the state's to legally drive. This includes $25,000 bodily injury liability per person and $65,000 per accident, as well as $15,000 property damage liability. Because Utah is a no-fault state, drivers are required to purchase $3,000 of personal injury protection (PIP) in addition to the liability coverage. Consider lender requirements
When you lease or finance a vehicle, most lenders require vehicle owners to carry . This includes the minimum liability and PIP requirements, plus comprehensive and collision coverage. Lenders may also require , which pays the difference when a vehicle owner owes more than the market cost to replace the vehicle if it's totaled. Consider your individual needs
The is also influenced by individual needs. Your motor vehicle record (MVR) is one of the many factors influencing cost and coverage. If you are a , your coverage needs will likely look different versus a driver with a clean record. Other factors, such as adding a or getting a speeding violation, all influence the cost. You may need to choose a carrier with a broader range of discounts or coverage options to meet your financial needs. Car insurance discounts in Utah
Taking advantage of offered through some of the is another effective way to . While each carrier has its own unique offerings, most companies offer a mix of discounts, giving drivers in Utah more ways to save. Young driver discounts: If you have a young driver in your household, then discounts such as teen driver, good student or a student away from home discount may help save. Safe driver discounts: Being a safe driver often pays off with discounts such as claims-free or enrolling in a defensive driving program. Usage-based , which involve a device or an app for the carrier to monitor your driving habits, could also provide greater savings. Loyalty discounts: If you with one carrier, multiple vehicles or have been with a carrier for a number of years, then you could get rewarded with a loyalty discount. Policy-based discounts: Choosing to pay a policy in full, renewing a policy before the term expires or going paperless are all ways to potentially reduce your premium for something you may choose to do on your own, anyway. Frequently asked questions
Your auto insurance premium is based on several rating factors, including the vehicle type and age, driver record and age, garaging location, annual miles driven, how the car is used and additional coverage options selected. Each company weighs these factors differently, which is why getting from several companies can be beneficial.
Because car insurance rates are based on individual rating factors and each company has their own method for calculating rates, it can be difficult to figure an estimate for the premium surcharge of an at-fault accident. On average, an at-fault accident in Utah will spike rates by 54%, according to Bankrate's research. However, if this is a concern, especially if you are a new driver or have a teen driver in your household, some car insurance companies offer first-time as a coverage option.
In Utah, drivers are required to carry at least a minimum amount of liability insurance and personal injury protection. Car insurance is a legal requirement in Utah, so is illegal. Driving without auto insurance is a misdemeanor in the state and could lead to fines as high as $1,000 and suspension of your driver's license and registration. You could also incur additional fees to reinstate your license and registration. If you cause an accident without insurance, you are still responsible for paying for the damage you cause, which can lead to significant financial stress.
The cheapest car insurance company for you will depend highly on your individual characteristics, among other factors. When calculating your premium, one insurance company may place significant weight on your driving record, while another provider may place more weight on your claims history. Some companies offer lower rates than others for high-risk drivers and some companies offer better rates than others for teens. One of the best ways to find the lowest premium is to request quotes from multiple providers. Based on the average rate, however, USAA and Geico also wind up as some of the according to our research. Written by Carol Pope Insurance Writer Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.