Cheap Car Insurance in Utah (2025)
Best cheap car insurance in Utah
Cheapest full-coverage car insurance in Utah: Progressive
Although Progressive has a few more discounts than Auto-Owners, Auto-Owners offers some great add-on coverages. The company offers accident forgiveness, which waives the accident surcharge for your first at-fault accident. It also has diminished value coverage that pays you the depreciated value of your car if it’s totaled.
USAA has the cheapest overall rate for full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. in Utah, but it only sells car insurance to military members and their families.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $1,665 |  |
 | Auto-Owners | $1,697 |  |
 | American Family | $2,000 | |
 | Farm Bureau | $2,014 | |
 | Geico | $2,261 |  |
Best liability car insurance in Utah: Auto-Owners and Farm Bureau
Both Auto-Owners and Farm Bureau offer many car insurance discounts that could make them the cheapest company for you. Keep them in mind as you compare car insurance quotes.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| Auto-Owners | $813 |
| Farm Bureau | $815 |
| Progressive | $893 |
| American Family | $1,114 |
| Geico | $1,274 |
| State Farm | $1,405 |
| Allstate | $1,488 |
| Farmers | $1,989 |
| USAA* | $542 |
Cheap car insurance for teens in Utah: Farm Bureau
Both Farm Bureau and Progressive offer good student discounts. If you maintain a B average or higher, either company may give you a discount.
Parents looking for cheap car insurance for a young driver in their household can also save money by adding them to their current car insurance policy.
Cheapest companies for teen drivers
Utah’s cheapest auto insurance after a ticket: Auto-Owners
A speeding ticket or similar violation in Utah can raise your car insurance rates by around 21%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Auto-Owners | $1,697 |
| Progressive | $2,128 |
| Farm Bureau | $2,283 |
| American Family | $2,375 |
| Geico | $2,944 |
| State Farm | $2,949 |
| Allstate | $3,097 |
| Farmers | $5,483 |
| USAA* | $1,634 |
Cheap Utah car insurance rates after an accident: Progressive
Drivers in Utah usually see their car insurance rates go up about 53% after an at-fault accident. Both Progressive and American Family offer several discounts that could ease the pain of that increase.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| Progressive | $2,515 |
| American Family | $2,921 |
| Auto-Owners | $2,973 |
| Farm Bureau | $3,111 |
| State Farm | $3,212 |
| Allstate | $4,018 |
| Geico | $4,620 |
| Farmers | $5,913 |
| USAA* | $1,867 |
Best insurance rates for teens in Utah with a bad driving record: Farm Bureau
- Farm Bureau’s average rate for Utah teens after a speeding ticket is $2,629 a year.
- The company’s average rate for teens after an accident is $3,602 a year.
Auto-Owners comes in second for most teens with a ticket on their records at $3,469 a year. Progressive is second for teens after an accident at $3,891 a year.
Cheapest companies for teens with driving infractions
Cheapest auto insurance in Utah with a DUI: Progressive
After getting a DUI in Utah, you’ll usually see your car insurance rates go up around 72%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $1,983 |
| Farm Bureau | $2,283 |
| Allstate | $3,792 |
| American Family | $3,847 |
| Geico | $4,222 |
| Auto-Owners | $4,440 |
| Farmers | $5,314 |
| State Farm | $6,803 |
| USAA* | $2,423 |
Utah’s best cheap car insurance with bad credit: Progressive
Car insurance companies charge higher rates to drivers with poor credit because they see a link between your credit rating and filing a claim. In Utah, a poor credit rating can raise your rates around 86%. To keep that rate down, make sure you’re getting all the discounts you can.
You can find out your credit score for free at LendingTree Spring.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Progressive | $2,707 |
| American Family | $3,088 |
| Farm Bureau | $3,796 |
| Geico | $4,153 |
| Auto-Owners | $4,584 |
| Allstate | $4,917 |
| State Farm | $5,584 |
| Farmers | $6,367 |
| USAA* | $2,750 |
Best car insurance companies in Utah
Both companies have good overall satisfaction scores in J.D. Power’s 2024 U.S. Auto Insurance Study, as well as superior financial ability to payout claims.
USAA only sells insurance products to members of the military or their families. If you fit into either of those categories, get a quote from USAA. USAA is often considered the best of the best in car insurance, with its main drawback being its limited customer base.
Utah car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ |  |
| American Family | 660 | A | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | 673 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ |  |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Utah insurance rates by city
The average cost of car insurance in Utah’s biggest cities and suburbs:
- Salt Lake City: $2,653 a year
- West Valley City: $2,833 a year
- West Jordan: $2,680 a year
Car insurance rates near you
Utah minimum car insurance limits
- $30,000 of bodily injury liability coverage per person
- $26,000 of bodily injury liability coverage per accident
- $3,000 of property damage coverage
You also need these coverage types and limits in Utah, at a minimum:
- $30,000 per person uninsured motorist coverage
- $65,000 per accident uninsured motorist coverage
- $30,000 per person underinsured motorist coverage
- $65,000 per accident underinsured motorist coverage
Utah Automobile Insurance Plan
If you struggle to buy car insurance in Utah, contact the United Automobile Insurance Plan (UAIP). The UAIP helps Utah residents get the state’s minimum car insurance coverage if they can’t get it elsewhere.
Car insurance from the UAIP is usually more expensive than coverage bought from a typical insurer, so consider it a last resort.