Cheapest Auto Insurance in Utah (2024)
USAA offers the cheapest liability car insurance in Utah, at $63 per month.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
The average monthly cost of car insurance in the state of Utah is $146, which is lower than the national average of $154. The Beehive State is home to 3.4 million residents, but it has a low population density of 39.7 people per square mile.[1] This low population density may explain why Utah drivers pay affordable average rates.
Here’s what you need to know about finding cheap car insurance in Utah.
Quick Facts
Utah drivers pay $108 per month for liability coverage and $183 for full-coverage insurance, on average.
USAA, Root, and Auto-Owners are the cheapest insurers for liability insurance.
Utah is a no-fault state, and drivers must carry a minimum amount of personal injury protection (PIP) coverage.
Cheapest car insurance companies in Utah
The right amount of car insurance coverage will vary for each person, depending on your needs and budget. Car insurance companies calculate your rates based on your driving record, age, credit history, ZIP code, and more. It’s important to compare quotes from multiple auto insurers.
Here are liability and full-coverage quotes from some of the cheapest car insurance companies in Utah.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $95 | $63 | Veterans |
| Auto-Owners | 8.5 | $116 | $77 | Cheap rates |
| State Farm | 9.3 | $127 | $84 | Customizable coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Utah is home to 170,000 veterans, according to the Utah Department of Veterans and Military Affairs.[2] Veterans in the state can qualify for low rates from USAA, which exclusively offers coverage to current military members, veterans, and their families. Plus, the company offers other financial products that members can benefit from.
Pros
Offers a 3% auto pay discount
Option for pay-as-you-drive coverage
Cons
Low rating on Trustpilot
No gap insurance
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers some of the cheapest car insurance rates in Utah. In addition to standard coverage options, Auto-Owners also offers road trouble service, additional expense, loan or lease gap, diminished value, rental auto gap, and at-fault accident forgiveness coverage. The company also offers a common loss deductible and collision coverage advantage waiver.
Pros
Affordable rates
Gap coverage available
Cons
Low customer review rating on Trustpilot
Low average mobile app rating
Best insurer for customizable coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $127/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is a good option for drivers looking for full-coverage insurance and optional coverage endorsements. The company offers affordable average rates in Utah. State Farm also offers numerous discounts to lower costs even further. Drivers can earn discounts for driving safely, having a vehicle with safety features, bundling coverage, insuring multiple vehicles, and more.
Pros
Significant bundling discount
Rideshare insurance available
Cons
Can’t purchase a policy online
No gap insurance
How to get the cheapest car insurance in Utah
If you want to get cheap car insurance in Utah, you can lower your costs in a few different ways:
Look for discounts. Some insurance companies offer more discounts than others, or at higher levels. Check out what discounts are available and how much you could save.
Shop around. Check out a handful of insurance companies, look at customer reviews and coverage options, and compare car insurance quotes.
Maintain a good driving history. If you wear your seat belt, follow the speed limit, avoid distracted driving, and keep a clean driving record free of car accidents or speeding tickets, you can get low rates.
Find Cheap Car Insurance in Utah
Liability coverage starts at $63 per month in Utah
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Utah: USAA
Utah requires drivers to purchase a minimum amount of liability insurance. This minimum level of coverage for bodily injury and property damage covers the expenses for the other driver if you cause an accident. Unfortunately, liability coverage doesn’t pay for your vehicle damages, which can leave you in a vulnerable spot.[3] However, it’s the cheapest coverage option.
Here are the cheapest liability-only car insurance options in Utah, starting with the lowest rate of $63 per month from USAA.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $63 |
| Root | $76 |
| Auto-Owners | $77 |
| Sun Coast | $79 |
| State Farm | $84 |
| Progressive | $89 |
| GEICO | $90 |
| National General | $90 |
| Safeco | $98 |
| Dairyland | $105 |
| American Family | $107 |
| Allstate | $115 |
| GAINSCO | $123 |
| Nationwide | $125 |
| The General | $126 |
| Foremost | $138 |
| Bristol West | $139 |
| Farmers | $148 |
| Liberty Mutual | $180 |
| State Auto | $195 |
| Direct Auto | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Utah: USAA
Full-coverage insurance includes liability, collision, and comprehensive coverages. In addition, you can look into more coverage options you might want included in your policy. Full-coverage insurance differs from liability coverage because it offers more expansive vehicle protections. And your lender may require you to buy it if you finance or lease your vehicle.
Utah drivers who want higher levels of protection should look into affordable full-coverage options from the following companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $95 |
| Root | $110 |
| Auto-Owners | $116 |
| Safeco | $126 |
| State Farm | $127 |
| Progressive | $135 |
| GEICO | $136 |
| Sun Coast | $137 |
| National General | $153 |
| American Family | $161 |
| Allstate | $173 |
| Nationwide | $190 |
| The General | $200 |
| Liberty Mutual | $216 |
| Farmers | $224 |
| Dairyland | $225 |
| GAINSCO | $257 |
| Bristol West | $257 |
| State Auto | $294 |
| Direct Auto | $533 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Utah
Recent Utah car insurance prices for Chevrolet, Ford, Pontiac , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Utah
Most states require drivers to meet minimum coverage requirements. In Utah, drivers must obtain minimum amounts of bodily injury and property damage liability coverage.[4] As a no-fault state, Utah also requires PIP coverage so drivers can file a claim with their own insurance company to cover their medical costs in the event of an incident, regardless of fault.
The specific coverage limits required in the state will increase starting in 2025, according to the Utah State Legislature.[5] Here are the state’s current requirements:
Coverage ▲ ▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $65,000 per accident |
| Property damage liability | $15,000 per accident |
| Personal injury protection (PIP) | $3,000 |
It can be a good idea to consider buying additional coverages to provide more protection. Common optional coverages include the following:
Collision coverage
If you have an accident, liability coverage pays for the other driver’s damage. Getting collision coverage provides you with protection and covers any damage to your vehicle.
Comprehensive coverage
Non-collision events can damage your vehicle, such as weather, theft, or falling rocks. Comprehensive coverage fills in the gap and covers you in these non-collision incidents.
Uninsured/underinsured motorist coverage
Despite state laws, some Utah drivers are uninsured. If you have an accident with an uninsured or underinsured motorist, this type of coverage will help protect you.
Cheapest car insurance for drivers with an incident
Your driving record is a key factor for car insurance companies when determining rates. Having a clean driving record will help you qualify for lower rates. The presence of one or more incidents on your record — such as a speeding ticket, at-fault accident, or driving under the influence (DUI) charge — can increase your premiums because of the elevated risk you pose.[6]
Premium increases vary based on your insurance company, as well as the severity and frequency of the incidents on your record. On average, Utah drivers with a past incident pay $181 per month for car insurance.
Shop for Car Insurance in Utah
Monthly rates start at $76 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
Utah has a points system for speeding and other moving violations. These points can negatively affect your driving record and lead to an increase in car insurance rates. The average cost of liability insurance for Utah drivers with a past speeding ticket is $151 per month.
In the table below, you can compare average quotes for Utah drivers with a clean record and with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $63 | $82 |
| Root | $76 | $106 |
| Auto-Owners | $77 | $101 |
| Sun Coast | $79 | $110 |
| State Farm | $84 | $108 |
| Progressive | $89 | $115 |
| GEICO | $90 | $117 |
| National General | $90 | $117 |
| Safeco | $98 | $129 |
| Dairyland | $105 | $136 |
| American Family | $107 | $139 |
| Allstate | $115 | $149 |
| GAINSCO | $123 | $172 |
| Nationwide | $125 | $164 |
| The General | $126 | $166 |
| Foremost | $138 | $193 |
| Bristol West | $139 | $181 |
| Farmers | $148 | $191 |
| Liberty Mutual | $180 | $251 |
| State Auto | $195 | $272 |
| Direct Auto | $327 | $424 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Aside from potential injuries and property damage, having an at-fault accident can also result in higher insurance premiums. Your insurer will view you as a higher-risk driver with a greater chance of future accidents. Utah drivers with an at-fault accident might want to compare quotes at the time of renewal and consider the following car insurance companies.
Utah drivers with a past at-fault accident pay an average of $149 per month for liability coverage. You can see how an accident affects quotes compared to a clean driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $63 | $84 |
| Root | $76 | $108 |
| Auto-Owners | $77 | $103 |
| Sun Coast | $79 | $109 |
| State Farm | $84 | $111 |
| Progressive | $89 | $119 |
| GEICO | $90 | $120 |
| National General | $90 | $119 |
| Safeco | $98 | $129 |
| Dairyland | $105 | $138 |
| American Family | $107 | $142 |
| Allstate | $115 | $153 |
| GAINSCO | $123 | $156 |
| Nationwide | $125 | $167 |
| The General | $126 | $170 |
| Foremost | $138 | $195 |
| Bristol West | $139 | $184 |
| Farmers | $148 | $196 |
| Liberty Mutual | $180 | $255 |
| State Auto | $195 | $282 |
| Direct Auto | $327 | $444 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Whether under the influence of alcohol or some other substance, a DUI is a major offense. Utah drivers with a DUI face license suspension and higher car insurance premiums.[7] Car insurance companies will view you as a high-risk driver if you have a DUI conviction. In turn, you’ll pay more for car insurance when you can drive again.
Drivers in the state with a past DUI pay an average of $171 per month for liability car insurance. If you have a DUI in Utah, the following companies offer the most competitive quotes.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $63 | $102 |
| Root | $76 | $110 |
| Auto-Owners | $77 | $124 |
| Sun Coast | $79 | $125 |
| State Farm | $84 | $136 |
| Progressive | $89 | $144 |
| GEICO | $90 | $145 |
| National General | $90 | $145 |
| Safeco | $98 | $147 |
| Dairyland | $105 | $170 |
| American Family | $107 | $173 |
| Allstate | $115 | $186 |
| GAINSCO | $123 | $199 |
| Nationwide | $125 | $202 |
| The General | $126 | $204 |
| Foremost | $138 | $223 |
| Bristol West | $139 | $225 |
| Farmers | $148 | $239 |
| Liberty Mutual | $180 | $291 |
| State Auto | $195 | $315 |
| Direct Auto | $327 | $528 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age has a significant effect on your car insurance premiums. Getting older comes with more driving experience and cheaper car insurance rates. In fact, senior drivers around retirement age typically qualify for the lowest rates when compared to other age groups.
Premiums decrease between the ages of 35 and 69. At about 70, senior drivers may face an increase in insurance costs due to aging-related risk factors, like diminishing vision and coordination.
Below, you can see which insurance companies offer the cheapest quotes for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $49 | $75 |
| Auto-Owners | $60 | $90 |
| Progressive | $63 | $96 |
| Root | $63 | $91 |
| Sun Coast | $63 | $109 |
| State Farm | $64 | $97 |
| National General | $68 | $115 |
| GEICO | $70 | $106 |
| American Family | $82 | $124 |
| Dairyland | $82 | $176 |
| Safeco | $82 | $106 |
| Allstate | $91 | $136 |
| Nationwide | $92 | $139 |
| The General | $100 | $159 |
| GAINSCO | $101 | $212 |
| Bristol West | $109 | $202 |
| Farmers | $114 | $172 |
| State Auto | $143 | $216 |
| Liberty Mutual | $148 | $178 |
| Direct Auto | $250 | $408 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Due to a lack of driving experience, young drivers generally face much higher car insurance rates than other age groups. Teen drivers have more incidents of fatal car crashes and a greater likelihood of engaging in risky driving behaviors, such as speeding or driving under the influence.
To earn the lowest rates, it’s smart for teens to join their parents’ car insurance policy, have a car with updated safety features, and look into potential good student discounts.
Here, you can see the most affordable car insurance options for teens for both liability and full coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $107 | $161 |
| Root | $114 | $166 |
| Auto-Owners | $130 | $197 |
| Sun Coast | $137 | $237 |
| GEICO | $145 | $219 |
| State Farm | $146 | $220 |
| Progressive | $158 | $239 |
| Dairyland | $171 | $366 |
| National General | $179 | $304 |
| American Family | $187 | $281 |
| Safeco | $190 | $245 |
| The General | $202 | $320 |
| Allstate | $207 | $311 |
| GAINSCO | $214 | $448 |
| Nationwide | $220 | $335 |
| Bristol West | $236 | $437 |
| Farmers | $261 | $395 |
| Liberty Mutual | $312 | $374 |
| State Auto | $350 | $527 |
| Direct Auto | $603 | $983 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Utah car insurance quotes by credit tier
The state of Utah allows auto insurance companies to consider credit-based insurance scores for underwriting, but some restrictions apply. For example, insurers can’t use poor credit as the only reason to cancel an auto policy.
Drivers with excellent or good credit generally qualify for the best car insurance rates. On the other hand, drivers with poor credit typically have higher premiums. Here are the average full-coverage car insurance quotes for Utah drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Utah car insurance FAQs
Before you start shopping around for coverage, you should determine the right amount of car insurance for your needs. The information below should help you navigate the process of buying auto coverage in Utah.
How much is car insurance in Utah?
The overall average cost of car insurance in Utah is $1,748 per year. Utah drivers pay an average of $1,293 for liability coverage and $2,202 for full-coverage insurance annually. The monthly average cost of car insurance in Utah is $146. Liability coverage costs $108 per month. Full-coverage insurance costs more, with an average rate of $183 per month.
How much you pay for coverage will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Utah?
USAA has the cheapest liability car insurance in Utah, at $63 per month. Root — the second-cheapest insurer in Utah — offers a monthly liability rate of $76. The third-cheapest company in Utah is Auto-Owners, which has a monthly rate of $77 for liability insurance. The best way to find cheap rates is to compare quotes from multiple insurers.
What are the best car insurance companies in Utah?
State Farm has a high Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and low average rates, making it the best car insurance company in Utah. On average, State Farm policyholders in Utah pay $84 per month for liability coverage and $127 for full coverage. Other top insurers include Auto-Owners and USAA.
What is the minimum car insurance required in Utah?
Utah drivers must carry a minimum of $25,000 per person and $65,000 per accident in bodily injury liability, $15,000 per accident in property damage liability, and $3,000 in personal injury protection (PIP) coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- United States Census Bureau. "QuickFacts Utah."
- Utah Department of Veterans and Military Affairs. "Frequently Asked Questions."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Rocky Mountain Insurance Information Association. "Utah Auto Insurance Requirements."
- Utah State Legislature. "31A-22-304. Motor vehicle liability policy minimum limits.."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Utah Department of Public Safety. "DUI Suspension Times."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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