Best Car Insurance In Utah
In Utah, State Farm stands out as the best choice for extensive auto insurance coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
From minimum car insurance to full coverage or family-focused options, we’ve narrowed down the top car insurers in Utah. State Farm takes the crown for its mix of affordability, flexibility, and glowing customer reviews.
GEICO leads in cheap minimum coverage, while Travelers offers unmatched full coverage plans with accident forgiveness. With 15 years in the insurance field and five in Utah, this guide simplifies finding the perfect policy.
Best Car Insurance Companies In Utah, 2026
Compare The Best Car Insurance In Utah
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Utah 2026
Best Overall
Key Statistics
Why We Like Them
⇅Known for its affordable yet comprehensive policies, State Farm has earned a reputation as Utah’s premier car insurer. Discounts for safe driving, multiple vehicles, and safety features add financial value. Their exceptional service, combined with accessible local agents, ensures customer satisfaction and trust.
Benefits & Drawbacks
⇅- Attractive pricing
- Wide selection of coverage opportunities
- First-rate customer assistance ✓
- It's not the least costly selection.
- Paltry digital infrastructure
- Charges go up following claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅Offering some of the lowest prices for minimum coverage, GEICO is a leading car insurance provider in Utah. The company’s competitive rates allow drivers to meet state insurance requirements affordably. With a modern, easy-to-use app and website, GEICO ensures managing your policy is quick and convenient.
Benefits & Drawbacks
⇅- Low-cost insurance charges
- Efficient web-based services
- Fast-track claims processing ✓
- Primary insurance solutions
- Primary insurance solutions
- Detached customer interaction ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Travelers is a leading choice for full coverage in Utah, providing policies that protect against accidents, theft, and natural disasters. Their accident forgiveness and gap coverage options offer added value, especially for drivers with high-value vehicles. With financial reliability and strong customer service, Travelers ensures comprehensive protection and peace of mind.
Benefits & Drawbacks
⇅- Inclusive policy alternatives
- You're eligible for accident forgiveness.
- Change for a brand-new vehicle ✓
- Expanded policy premiums
- Comprehensive policy routes
- Slowed-down claim resolution ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅New car owners in Utah often turn to Chubb for its exceptional insurance coverage tailored to high-value vehicles. The agreed value policy ensures policyholders are compensated the full insured amount in a total loss, avoiding depreciation issues. With features like rental reimbursement, key replacement, and repair shop flexibility, Chubb provides superior protection and convenience. Their strong financial stability and customer service reputation make them the ideal choice for protecting your new investment.
Benefits & Drawbacks
⇅- Value settled insurance coverage
- First-rate claims handling
- Advanced-level policy elements ✓
- Prestige pricing
- The amount of coverage could be excessive.
- Fewer discount chances ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Seniors in Utah will find Allstate’s car insurance policies to be a perfect match, offering accident forgiveness, discounts for safe driving, and low-mileage incentives. With senior-specific benefits and reliable customer service, Allstate ensures a seamless insurance experience tailored to their needs.
Benefits & Drawbacks
⇅- Made-to-order savings for senior citizens
- Accidents can be overlooked with our forgiveness policy.
- Sophisticated smartphone application ✓
- Hiked premium charges
- Fluctuating customer service proficiency
- Decisions regarding policies can involve intricate details. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅AAA car insurance is an excellent option for drivers in Utah seeking affordable coverage despite prior violations. Their accident forgiveness program and safe driving course discounts provide financial relief and promote better driving practices.
Benefits & Drawbacks
⇅- Letting go of the initial collision
- Savings for Defensive Driving Courses
- Individualized insurance products for high-risk driver profiles. ✓
- Enhanced penalties for infringements
- Narrow scope of insurance options
- Membership is a prerequisite ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Utah families with teenage drivers will find Farmers Insurance to be a reliable choice. With good student discounts and programs to promote safe driving, Farmers combines affordability with a focus on education and responsibility.
Benefits & Drawbacks
⇅- Deals for students who achieve academically
- Versatile policy choices
- Tools to help teenagers learn ✓
- Chance of premiums going up
- Uneven levels of service responsiveness
- Sophisticated policy regulations ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅State Farm’s personalized approach to customer service makes it the top choice for car insurance in Utah. Their agents provide expert advice and support, while their smooth claims process ensures a positive experience for policyholders.
Benefits & Drawbacks
⇅- Fair pricing
- Extensive array of coverage options
- Above-average customer relations ✓
- Not the least expensive on offer.
- Minimal digital assets
- Insurance premiums increase after claims. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅For young adults in Utah, Amica delivers affordable car insurance with discounts for academic success and responsible driving. Their excellent customer service makes them a preferred choice for younger drivers.
Benefits & Drawbacks
⇅- Economically priced services for the youth segment.
- Premium customer support
- Rapid claims adjudication ✓
- Scarce physical venues
- Decreased number of high-risk insurance options.
- Usage levels do not qualify for discounts. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Wawanesa is a trusted name in budget car insurance for Utahans, offering low premiums and excellent customer service. Their efficient claims process ensures drivers get the help they need quickly and easily.
Benefits & Drawbacks
⇅- Unbeatable pricing
- Enduring customer approval
- Easy-to-follow claims handling ✓
- Constricted coverage choices
- Fewer opportunities for discounts exist.
- Constraints influenced by regional factors ✘
Minimum Car Insurance Requirements In Utah
Utah’s minimum car insurance requirement laws require drivers to have a minimum of $30,000 in bodily injury coverage per person, $65,000 per accident, and $25,000 for property damage to protect against financial liabilities after an accident.
Average Cost Of Car Insurance In Utah
According to Quadrant Information Services, the cost of car insurance in Utah is typically around $159 per month or $1,913 per year for full car insurance coverage. Nationally, the average is $205 monthly or $2,460 annually.
| COMPANY | FULL COVERAGE |
| State Farm | $2,177 |
| Allstate | $2,282 |
| Farmers | $2,642 |
| Nationwide | $1,138 |
| GEICO | $1,327 |
Average Car Insurance Rates In Utah – By City
| City | Average Premium |
| Orem | $1,560 |
| South Jordan | $1,680 |
| Riverton | $1,608 |
| West Valley City | $1,800 |
| Provo | $1,448 |
| Salt Lake City | $1,440 |
| Taylorsville | $1,560 |
| St George | $1,200 |
| Ogden | $1,488 |
| Lehi | $1,800 |
Average Car Insurance Rates In Utah – By Age
| Age | Average monthly coverage rate | Average annual coverage rate |
|
16
|
$464
|
$5,539
|
|
18
|
$641
|
$7,675
|
|
20
|
$452
|
$5,398
|
|
25
|
$229
|
$2,732
|
|
30
|
$192
|
$2,282
|
|
40
|
$182
|
$2,157
|
|
50
|
$168
|
$1,997
|
|
60
|
$162
|
$1,927
|
|
70
|
$184
|
$2,192
|
How To Find The Best Car Insurance
Selecting the best car insurance means tailoring it to your personal and financial situation. Start by learning about your state’s liability insurance requirements, ensuring legal compliance. Decide if you need more coverage to protect against accidents. Lenders often require comprehensive and collision insurance for leased or financed cars.
Think about your driving patterns and the car’s value when making your decision. Adding extra coverage, like uninsured motorist protection, might be worthwhile in areas with many uninsured drivers. Compare rates from multiple companies to find the best coverage at the best price.
How To Buy Car Insurance In Utah
Employ these five steps to find the right car insurance in Utah tailored to your specific requirements
Assess Your Coverage Needs
Start by analyzing your driving habits, vehicle’s worth, and financial capacity to decide your coverage needs. Consider whether basic liability is sufficient or if adding collision and comprehensive coverage is wise.
Research Potential Insurers
Review various auto insurance providers in Utah to assess their customer service, claims handling, and financial health. Utilize online reviews, ratings from independent sources such as J.D. Power, and feedback from current and former policyholders to evaluate each insurer’s reliability.
Gather Necessary Information
Gather all required details including your driver’s license number, vehicle registration, driving background, and any relevant documents that could influence your rates before requesting quotes. This will streamline the quoting process and ensure accurate pricing.
Compare Quotes
Visit Insuranceopedia to collect quotes from several insurers and see which one offers the best deal for your specific needs.
Purchase the Policy
Once you’ve selected the insurer offering the best coverage for the best price, go ahead and purchase the policy. Nowadays, most insurers provide online or phone options for quick and easy purchase, ensuring immediate coverage. After buying, don’t forget to print your insurance cards and any necessary paperwork.
Our Methodology
To provide accurate and reliable insurance company ratings, we employ a detailed methodology. We review numerous insurers, leveraging insights from multiple established review sites. Critical metrics from trusted industry leaders like A.M. Best and J.D. Power also guide our assessments. With 15 years of experience as an insurance agent, including extensive work in Utah, I contribute firsthand expertise to enhance our analysis. This rigorous approach, incorporating data from reputable review sources, ensures our ratings are informative, empowering your insurance decision-making.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
From our findings, State Farm and Wawanesa emerge as the most preferred car insurance options in Utah.
How much car insurance do I need?
How much car insurance you require depends on factors such as Utah’s minimum requirements, your vehicle’s value, and your financial circumstances. Consider liability, collision, and comprehensive coverage for adequate protection.
Why is car insurance so expensive?
The cost of car insurance may increase due to factors including the coverage level, your driving history, the make of your vehicle, your location, and external influences like inflation and escalating repair expenses.
About Bob Phillips
Related Content
Cheap Non-Owner Car Insurance In Utah Cheapest Low-Income Car Insurance In Utah Temporary Car Insurance In Utah Cheapest Home And Auto Insurance Bundles In Utah Cheap Car Insurance For College Students in Utah Cheap Car Insurance For Teens In Utah Cheap Car Insurance For Seniors In Utah
