Best Car Insurance in Utah

Last Updated on March 18, 2021

Utah has relatively cheap car insurance premiums. In fact, only about a dozen other states have cheaper average car insurance premiums than Utah.

The average driver in Utah pays around $1,345 per year for full coverage car insurance, about $100 per year lower than the nationwide average. However, rates vary widely across the state based on your ZIP code, driving history, and other factors.

Want to find the best car insurance in Utah? We’re here to help. KeeBest Car Insurance in Utahp scrolling to see what the best auto insurance companies in Utah are for all age groups and demographics.

Table of Contents:

Top 10 Auto Insurance Companies in Utah

Drivers in Utah have plenty of options for car insurance, ranging from nationwide conglomerates to smaller, locally-owned providers. Here are the top 10 car insurance companies in Utah based on pricing, service, claims satisfaction, and overall value:

  1. USAA: If you are a member of the military, or if a member of your immediate family is already a USAA member, then you qualify for USAA membership. USAA membership allows you to purchase USAA auto insurance, which is among the best-rated and best-value car insurance in Utah. USAA offers excellent claims satisfaction and customer service while charging just $878 per year for full coverage car insurance, on average.
  2. GEICO: GEICO is the second cheapest car insurance company in Utah, trailing only USAA. GEICO has average reviews for customer service and claims satisfaction, but the company allows you to get insurance at a reasonable price while enjoying the amenities of a large insurance company. Expect to pay around $956 per year with GEICO in Utah.
  3. State Farm: State Farm insures more drivers in the United States than any other company listed here. Their prices are very competitive in Utah, charging around $972 per year for full coverage car insurance. State Farm may be the state’s cheapest insurer for those who only need liability coverage (not full coverage). Some drivers also find State Farm to be cheaper than GEICO in Utah.
  4. Nationwide: Nationwide insures thousands of drivers across Utah, including drivers in big cities and small towns. Expect to pay around $1,032 per year for full coverage car insurance in Utah with Nationwide.
  5. Esurance: Esurance continues to fill the niche of offering cheap car insurance premiums while maintaining minimal overhead expenses. Although Esurance has changed considerably over the years since launching as an internet-focused provider, Esurance continues to offer some of the best value car insurance in Utah. Drivers pay around $1,034 per year in Utah.
  6. Progressive: Progressive, like Esurance, aims to minimize overhead expenses by focusing specifically on what they do best: selling car insurance. Progressive has a proven track record of insuring drivers across Utah. Expect to pay around $1,045 per year with Progressive in Utah, with rates varying widely depending on your ZIP code and credit score.
  7. Farmers: Not to be confused with Farm Bureau, Farmers is one of America’s largest insurance companies. Farmers insures drivers in rural and urban areas of Utah alike, offering some of the best car insurance in the state while maintaining good value. Expect to pay around $1,101 per year with Farmers.
  8. Farm Bureau: Farm Bureau sells car insurance to drivers across Utah. You must be a Farm Bureau to buy car insurance, but you enjoy great-value, excellent customer service, and a local independent agent, among other perks. Farm Bureau Financial Services charges around $1,121 per year for full coverage car insurance in Utah. Farm Bureau is one of the most popular and best-rated insurance companies in Utah, even though its pricing is slightly higher than competitors.
  9. Auto-Owners: Although not as well-known as the insurers listed above, Auto-Owners charges reasonable prices in most states while offering competitive insurance products. Auto-Owners is a particularly smart option in Utah, where they charge around $1,204 per year for car insurance.
  10. Allstate: Allstate is a competitively-priced car insurance company that insures thousands of drivers in Utah. Expect to pay roughly $1,212 per year for full coverage auto insurance with Allstate in Utah.

Utah Insurance Requirements

Utah, like most states, requires drivers to carry bodily injury liability coverage, property damage liability coverage, and other minimum amounts of car insurance. Any car insurance policy you buy in Utah will meet these minimum requirements. Many drivers exceed these requirements for added peace of mind.

The minimum amount of liability insurance required to drive a vehicle in Utah is:

  • $25,000 of bodily injury liability coverage per person
  • $65,000 of bodily injury liability coverage per accident
  • $15,000 of property damage liability coverage per accident
  • $3,000 of personal injury protection (PIP) coverage

An insurer would express this policy as a 25/65/15 plan. Many experts recommend exceeding these limits for added protection. Many drivers also carry comprehensive and collision coverage, uninsured and underinsured motorist coverage, and other coverages, even though they are not required in Utah.

Utah is also one of the few no-fault states in the United States. Drivers make claims through their own insurance company, regardless of fault. Like other no-fault states, Utah requires drivers to carry personal injury protection (PIP) coverage.

Driving Without Insurance in Utah

It’s illegal to drive without insurance in Utah. Drivers caught driving without insurance will face penalties.

Driving without insurance is considered a misdemeanor in Utah. If you are pulled over by law enforcement and unable to prove you have insurance that meets the requirements above, then you may be charged with a misdemeanor.

Penalties vary based on your driving history:

First Offense: $400, suspension of driving privileges until you provide proof of insurance, $50 court security surcharge, $30 license reinstatement fee, and $100 registration reinstatement fee.

Second Offense and Beyond: $400 to $1,000 fine, suspension of driving privileges for up to one year, SR-22 requirement for three years, $50 court security surcharge, $30 license reinstatement fee, and $100 registration reinstatement fee.

Penalties vary depending on where you were caught without insurance. If you caused an accident and don’t have insurance, for example, then you’ll face greater penalties than if you were caught without insurance at a traffic stop.

Car Insurance in Utah with DUI

Utah, like most states, takes DUIs seriously. If you are convicted of driving under the influence (DUI) or driving while intoxicated (DWI) in Utah, then you’ll pay higher insurance premiums for years. Insurers may even deny your business.

However, not all insurance companies treat DUIs the same way. The best insurance companies in Utah for drivers with a DUI include:

  • USAA: $1,564 per year
  • GEICO: $1,633 per year
  • State Farm: $1,790 per year
  • Allstate: $2,021 per year
  • Nationwide: $2,322 per year

Car Insurance in Utah with At-Fault Accidents

Every car insurance company checks your driving record to calculate premiums. If you have multiple at-fault accidents on your driving record, then you’ll pay more for car insurance than someone with a clean record.

However, as with DUIs, at-fault accidents are treated differently among insurers. The best insurers for drivers with an at-fault accident include:

  • USAA: $1,232 per year
  • GEICO: $1,432 per year
  • Nationwide: $1,577 per year
  • State Farm: $1,579 per year
  • Allstate: $1,609 per year

Car Insurance in Utah with Speeding Tickets

Most Utah insurance companies ignore a single minor speeding ticket, especially if you have a clean record. However, drivers with multiple speeding tickets could face steeper premiums.

If you have multiple speeding tickets or a single serious speeding offense, then consider requesting a quote from the following Utah insurance companies:

  • USAA: $862 per year
  • GEICO: $972 per year
  • Allstate: $1,074 per year
  • Progressive: $1,082 per year
  • Allstate: $1,099 per year

Car Insurance in Utah for Young Drivers

Statistically, drivers under 25 in Utah are more likely to cause serious accidents than drivers in any other age group. That’s why young drivers always pay more for car insurance.

However, some insurance companies welcome young drivers into their pool to balance premiums. Some insurance companies charge relatively cheap rates to younger drivers. Consider requesting a quote from any of the following insurers if you’re under age 25:

  • USAA: $1,021 per year
  • GEICO: $1,209 per year
  • State Farm: $1,333 per year
  • Allstate: $1,490 per year
  • Farm Bureau: $1,497 per year

Car Insurance in Utah with Poor Credit

Insurance companies in Utah check your credit-based insurance score to calculate premiums. Drivers with a good credit score pay significantly less for car insurance than drivers with a bad credit score.

Fortunately, not all car insurance companies care about credit the same way as other insurance companies. Request a quote from the following insurers if you have a bad credit score in Utah:

  • Farm Bureau: $2,090 per year
  • USAA: $2,112 per year
  • GEICO: $2,293 per year
  • Allstate: $2,311 per year
  • Esurance: $2,665 per year

SR-22 Insurance in Utah

If you are convicted of a serious driving offense in Utah, then you may be required to carry SR-22 insurance for 1 to 3 years.

Utah also requires SR-22 insurance for drivers who have let car insurance lapse or been caught driving without insurance, among other offenses.

SR-22 insurance in Utah is not technically insurance: it’s a certificate from your insurer verifying you meet Utah’s minimum car insurance requirements. The SR-22 certificate proves to the DMV that you carry valid car insurance coverage. The DMV may require the SR-22 certificate before reinstating your license.

Most major car insurance companies can provide you with an SR-22 certificate. However, if you have multiple serious incidents on your driving record, then you may need to use a high-risk insurance company instead of one of the mainstream providers listed above.

If you require SR-22 insurance, you generally carry the coverage for 1 to 3 years. If you maintain a clean record for 1 to 3 years, then you can resume buying normal car insurance in Utah.

Conclusion: How to Find the Best Auto Insurance in Utah

Utah has relatively cheap car insurance premiums compared to the rest of the country. However, there’s always more room to save money. By comparing quotes from the best car insurance companies in Utah, drivers can save hundreds – even thousands – per year on car insurance.

If you need car insurance in Utah, consider requesting a quote from any of the companies listed above to obtain the best car insurance in Utah.