Top Utah Auto Insurance Providers [2024]
The best way to get cheap car insurance in Utah is to keep a clean driving record and qualify for multiple discounts. Teens and young adults connect to more expensive car insurance rates in Utah. You can also get affordable Utah auto insurance by buying liability-only coverage. But full coverage insurance in Utah may be more beneficial. Shop around and compare multiple insurance companies to get the best deal.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Utah is one of the cheapest states for auto insurance
- Liability auto insurance in Utah is around $45 a month, and full coverage auto insurance is on average $78 per month
- Farm Bureau is one of the best auto insurance companies in Utah
Are you looking for cheap car insurance in Utah? Multiple factors determine the best car insurance in Utah.
But how much is car insurance in Utah for an 18-year-old? Don’t worry, we’ll answer this question and more.
Our guide explores cheap auto insurance in Utah, which companies provide affordable insurance in Utah, and what factors produce cheap Utah auto insurance.
Continue reading to learn how to get cheap auto insurance in Utah. Enter your ZIP code in the free online quote tool to start comparing multiple insurance companies near you.
Where can I find cheap auto insurance companies in Utah?
Affordable car insurance is available all over Utah. But it helps to know which companies provide cheap insurance.
Fortunately, we’ve researched the cheapest companies in Utah for you. Check out the table below to see which companies have the most affordable rates.
| Companies | Monthly Liability Auto Insurance Rates |
|---|---|
| Farm Bureau | $48 |
| Auto-Owners | $48 |
| State Farm | $62 |
| Progressive | $64 |
| Geico | $64 |
| Allstate | $72 |
| American Family | $92 |
| Farmers | $106 |
| USAA | $38 |
Farm Bureau has the cheapest car insurance rates in Utah. However, these are estimates based on minimum auto insurance coverage.
According to the National Association of Insurance Commissioners (NAIC), full coverage is more expensive than liability coverage (minimum coverage).
Let’s look at the price of car insurance in Utah based on full coverage.
| Companies | Monthly Full Coverage Auto Insurance Rates |
|---|---|
| Auto-Owners | $111 |
| Progressive | $122 |
| Farm Bureau | $124 |
| State Farm | $131 |
| Geico | $152 |
| American Family | $160 |
| Allstate | $168 |
| Farmers | $228 |
| USAA | $88 |
Auto-Owners has overtaken Farm Bureau as the most affordable auto insurance in Utah. But your rates will vary.
USAA car insurance is for members of the United States military and their immediate families. So, most auto insurance shoppers would go through other companies.
Many factors determine whether cheap car insurance quotes in Utah are available to you.
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Does age affect cheap auto insurance quotes in Utah?
Age is a significant factor that determines Utah car insurance rates because it shows the experience of the driver.
Young drivers (20 to 24) are more likely to take risks. This increases their chances of filing an auto insurance claim.
But what about other age groups in Utah? Here’s a list of the average monthly rates for Utah drivers by age.
- 20-year-old drivers — $155/month
- 30-year-old drivers — $79/month
- 40-year-old drivers — $79/month
- 50-year-old drivers — $77/month
- 60-year-old drivers — $76/month
Drivers over 29 pay close to the average rate, but drivers in their 20s pay almost twice as much.
If you’re a teen driver, your auto insurance rates are even more expensive.
How much is Utah auto insurance for an 18-year-old driver?
An 18-year-old driver could pay $365 a month for auto insurance. Parents and legal guardians that add an 18-year-old driver to their policies could pay as much as $471 per month.
However, you can save money on Utah car insurance rates with the right company.
Can traffic violations affect auto insurance in Utah?
Yes, they can. However, a traffic infraction on your driving record doesn’t disqualify you from cheap auto insurance rates in Utah.
Let’s examine how much you could pay for car insurance in Utah based on various traffic violations.
| Violation | Average Monthly Auto Insurance Rates |
|---|---|
| Not-at-Fault Accident | $102 |
| Driving with Expired Registration | $108 |
| Failure to Show Documents | $108 |
| Driving Without Lights | $108 |
| Failure to Use Child Safety Restraint | $110 |
| Driving Wrong Way/Wrong Lane | $114 |
| Failure to Wear a Seat Belt | $115 |
| Driving Too Slowly | $121 |
| Speeding | $122 |
| Speeding in a School Zone | $122 |
| Distracted Driving | $122 |
| Failure to Stop at a Red Light | $123 |
| Illegal Turn | $124 |
| Passing a School Bus | $125 |
| Improper Passing | $125 |
| Following Too Closely | $125 |
| Failure to Yield | $125 |
| Operating a Vehicle Without Permission | $126 |
| Driving with an Open Container | $133 |
| Refused Breathalyzer/Chemical Test | $136 |
| DUI | $136 |
| Reckless Driving | $142 |
| At-Fault Accident | $142 |
| Hit and Run | $147 |
| Racing | $147 |
| Driving with a Suspended License | $148 |
Severe driving offenses generate more expensive rates. Hit-and-run and driving with a suspended license produce the highest increase in Utah.
Reckless driving and DUI convictions may have lower increases, but they’re accompanied by firm penalties from Utah state law.
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How can I buy cheap auto insurance in Utah with multiple tickets?
You can get cheap car insurance rates in Utah by qualifying for discounts. If you have a few tickets, you can cancel out an increase with multiple deals.
For example, good credit can help you beat an increase from a speeding ticket or two.
Accidents can also drive up your rates but stacking your auto insurance discounts can offset steep prices.
Can I get cheap auto insurance in Utah’s top 10 most populated cities?
Yes, you can. Although urban areas are likely to encounter more car insurance claims, you can secure affordable rates.
Let’s look at the average monthly rates of the top 10 cities in Utah.
- Salt Lake City, UT Auto Insurance Rate — $160/month
- West Valley City, UT Auto Insurance Rate — $167/month
- West Jordan, UT Auto Insurance Rate — $159/month
- Provo, UT Auto Insurance Rate — $151/month
- Orem, UT Auto Insurance Rate — $155/month
- Sandy, UT Auto Insurance Rate — $152/month
- St. George, UT Auto Insurance Rate — $133/month
- Ogden, UT Auto Insurance Rate — $145/month
- Layton, UT Auto Insurance Rate — $141/month
- South Jordan, UT Auto Insurance Rate — $142/month
St. George has the most affordable rates out of the top 10 cities in Utah. Since these cities are the most populated across Utah, the risk to drive in each of these cities is higher than average.
Therefore, car insurance rates in these Utah cities are more expensive than average.
What are Utah’s minimum auto insurance requirements?
If you want liability-only coverage in Utah, you’ll have 20/65/15 and $3,000 for personal injury protection (PIP). The 20/65/15 means:
- $20,000 for bodily injury of one person per accident
- $65,000 for bodily injury of multiple people per accident
- $15,000 for property damage per accident
Each car insurance company calculates your monthly rates differently. Therefore, it’s essential to shop around until you find a Utah auto insurance company with reasonable rates.
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Cheap Auto Insurance in Utah: The Bottom Line
Utah car insurance can be as low as $78 per month. However, you’ll need to maintain a clean driving record, have good credit, and qualify for several discounts.
The top auto insurance companies in Utah can provide cheap coverage, but you’ll need to compare multiple quotes to see which company has the best deal.
Before you buy cheap auto insurance in Utah, use our free online quote tool to compare quotes from the best insurance companies in your area.
Frequently Asked Questions
Why is auto insurance in Utah so cheap?
Compared to drivers in other states, Utah motorists exhibit a commendable level of caution and responsibility, rendering them low-risk drivers. Their exemplary driving habits and adherence to traffic regulations contribute to a safer road environment, reducing the likelihood of accidents and promoting overall road safety.
Which company has the cheapest auto insurance in Utah?
When it comes to providing affordable insurance options for military veterans, USAA stands out as the leading company. If we consider all other drivers, there are several other insurance providers that offer competitively priced policies. Among these companies are Bear River, Farm Bureau, and Geico.
Can I buy Utah auto insurance online?
Yes, you can buy Utah auto insurance online. Many insurance companies offer the option to purchase auto insurance through their websites. Online purchasing is a convenient and efficient way to obtain insurance coverage without the need for in-person visits or phone calls.
To buy auto insurance online in Utah, you can follow these general steps:
- Research and compare insurance companies: Look for reputable insurance providers that offer auto insurance in Utah. Consider factors such as coverage options, pricing, customer reviews, and financial stability.
- Visit the insurance company’s website: Once you have chosen an insurance company, visit their website to explore their offerings and determine if they provide online purchasing options.
- Get a quote: Most insurance websites have a quote tool that allows you to enter your personal information, vehicle details, and coverage preferences to generate an estimated premium. Provide accurate information to receive the most accurate quote.
- Customize your coverage: After receiving a quote, you can often customize your coverage options to fit your needs. You can typically choose liability limits, deductibles, additional coverage options, and more.
- Complete the application: Once you have selected your desired coverage options, proceed to complete the application process. This may involve providing personal information, driver’s license details, vehicle information, and other necessary details.
- Review and purchase: Before finalizing the purchase, review the policy details, terms, and conditions. Ensure that you understand the coverage provided, any exclusions, and the premium amount. If everything looks satisfactory, proceed to purchase the policy online.
- Make the payment: Most insurance companies provide various payment options, such as credit card, debit card, or electronic funds transfer (EFT). Choose the payment method that suits you and provide the necessary information to complete the transaction.
- Receive your proof of insurance: After the purchase is complete, the insurance company will usually provide you with a digital proof of insurance, which you can save and print for your records. Some companies may also mail you a physical copy.
What is the minimum auto insurance requirement in Utah?
The minimum auto insurance requirement in Utah includes liability coverage with at least $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 per accident for property damage.
What should I do if I have a car accident in Utah?
If you have a car accident in Utah, it is important to prioritize safety and then follow certain steps. These include contacting the authorities, exchanging information with the other parties involved, documenting the accident scene, notifying your insurance company, and seeking medical attention if necessary.
Can I save money on auto insurance in Utah?
Yes, you can save money on auto insurance in Utah by taking advantage of discounts offered by top insurance companies. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features installed in your vehicle.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.