Cheapest Car Insurance In Utah For 2024
GEICO is the best known for its dependable services and affordable rates.
After dedicating more than ten years to studying the intricacies of car insurance policies, I’ve condensed our research to assist you in finding the most affordable car insurance in Utah. I’ve thoroughly scrutinized numerous top car insurance providers based on various criteria.
The aim is to provide you with valuable insights to empower you to make informed decisions that help you protect your finances. In this guide, we’ll explore the options available to help you find the cheapest car insurance coverage that meets your needs and budget.
Cheapest Car Insurance Companies In Utah
Our Methodology
Using a thorough examination covering aspects like customer service ratings, product choices, pricing, and extensive reviews from online platforms, I've developed a comprehensive understanding of the car insurance market in Utah.
This perspective is shaped by my 15 years of experience as a licensed insurance agent in Utah, involving numerous interactions with representatives from different insurance companies and firsthand encounters while purchasing car insurance in the state.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In Utah For Minimum Coverage: USAA
USAA has the cheapest rates for minimum coverage car insurance in Utah, offering average monthly rates at $33.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $33 | $394 |
| GEICO | $36 | $437 |
| Auto-Owners | $40 | $483 |
| Nationwide | $43 | $517 |
| Progressive | $44 | $526 |
When it comes to finding the cheapest car insurance in Utah for minimum coverage, it’s essential to understand what’s included and any potential limitations. Minimum coverage typically includes liability insurance, covering bodily injury and property damage caused to others in an accident you’re at fault for. However, Utah does not require Personal Injury Protection (PIP) as part of minimum coverage.
While minimum coverage meets the state’s legal requirements, it may have limitations. For instance, it may not cover your medical expenses or damages to your own vehicle in an accident where you’re at fault. It’s crucial to assess your needs and consider whether additional coverage beyond the minimum is necessary to adequately protect yourself and your assets.
Cheapest Car Insurance In Utah For Full Coverage: Geico
GEICO has the cheapest rates for full coverage car insurance in Utah, offering average monthly rates at $108.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $108 | $1,290 |
| Progressive | $109 | $1,313 |
| Nationwide | $111 | $1,336 |
| USAA | $113 | $1,356 |
| Auto-Owners | $117 | $1,404 |
When looking for the cheapest car insurance in Utah for full coverage, it’s important to understand the benefits and potential costs involved. Full coverage car insurance offers a broader range of protection compared to minimum coverage. It typically includes liability coverage as well as comprehensive and collision coverage.
Comprehensive coverage protects your vehicle from non-collision incidents like theft, vandalism, or natural disasters. Collision coverage, on the other hand, covers damages to your vehicle in the event of a collision, regardless of fault.
While full coverage provides more extensive protection, it can also be more expensive than minimum coverage due to the increased level of coverage provided. However, the added peace of mind and financial security that full coverage offers can often outweigh the higher cost for many drivers, especially those with newer or more valuable vehicles.
Cheapest Car Insurance In Utah For Drivers With Poor Credit: GEICO
GEICO has the cheapest rates for drivers with poor credit in Utah, offering average monthly rates at $148.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $148 | $1,780 |
| Progressive | $151 | $1,806 |
| USAA | $153 | $1,837 |
| American Family Insurance | $250 | $2,997 |
| Allstate | $252 | $3,028 |
Getting affordable car insurance in Utah can be tough if your credit isn’t great, but there are options out there. Some insurance companies offer lower rates for people with not-so-good credit. It’s important to compare prices from different companies to find the best deal.
If you work on improving your credit by paying bills on time, reducing debt, and checking your credit report for mistakes, you might be able to lower your insurance costs in the future.
While insurance might cost more for people with poor credit at first, taking steps to improve your credit can help save money over time.
Cheapest Car Insurance In Utah For Seniors: Nationwide
Nationwide has the cheapest rates for seniors in Utah, offering average monthly rates at $56.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $56 | $670 |
| Auto-Owners | $66 | $788 |
| Farmers Union | $70 | $838 |
| American Family | $73 | $874 |
| Progressive | $82 | $986 |
Seniors in Utah enjoy certain advantages when it comes to securing car insurance. Despite age being a factor in determining premiums, many seniors maintain good driving habits and a clean record. Insurance companies often recognize this and offer lower rates to experienced senior drivers.
Factors such as a history of few or no accidents and traffic violations can significantly influence insurers’ decisions to provide more favorable terms. Additionally, insurance providers may appreciate the maturity and experience that come with age, viewing senior drivers as responsible and less prone to risky driving behaviors.
Moreover, specific insurance companies offer discounts tailored to seniors, considering factors like age, driving frequency, and completion of senior driver safety courses. These discounts not only help seniors save money but also encourage them to maintain and improve their driving skills through defensive driving courses.
By completing these courses, seniors can refresh their knowledge and skills, contributing to safer driving practices on the road.
Cheapest Car Insurance In Utah For Young Drivers
In Utah, young adults usually enjoy cheaper car insurance rates than teenagers. This is because as drivers get older, they tend to drive more responsibly, taking fewer risks. Statistics show that young adults are less likely to make insurance claims, which means fewer accidents. As a result, insurance companies lower premiums for these drivers, acknowledging their safer driving habits and reduced chances of making claims.
Cheapest Utah Car Insurance For 16-Year-Olds: Auto-Owners: Auto-Owners
Auto-Owners has the cheapest rates for 16 year olds, with an average monthly premium of $361.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $361 | $4,336 |
| GEICO | $362 | $4,346 |
| USAA | $411 | $4,931 |
| State Farm | $424 | $5,088 |
| United Insurance | $445 | $5,342 |
Cheapest Utah Car Insurance For 17-Year-Olds: GEICO
GEICO has the cheapest rates for 17 year olds, with an average premium of $280.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $280 | $3,356 |
| Iowa Farm Bureau | $296 | $3,548 |
| USAA | $305 | $3,661 |
| Auto-Owners | $331 | $3,976 |
| State Farm | $373 | $4,472 |
Cheapest Utah Car Insurance For 18-Year-Olds: GEICO
GEICO has the cheapest rates for 18 year olds, with an average monthly premium of $222.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $222 | $2,663 |
| USAA | $270 | $3,241 |
| Iowa Farm Bureau | $275 | $3,299 |
| Auto-Owners | $300 | $3,595 |
| State Farm | $327 | $3,927 |
Cheapest Utah Car Insurance For 21-Year-Olds: GEICO
GEICO has the cheapest rates for 21 year olds, with an average monthly premium of $104.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $104 | $1,251 |
| USAA | $114 | $1,365 |
| Progressive | $191 | $2,292 |
| Auto-Owners | $206 | $2,466 |
| Iowa Farm Bureau | $208 | $2,497 |
Cheapest Car Insurance In Utah For Good Drivers
Responsible drivers, who maintain clean driving records, often receive lower car insurance rates as a reward. Insurance companies evaluate risk based on a driver’s history, and those with no violations or accidents are considered low-risk. This indicates a track record of safe driving, reducing the likelihood of future claims.
As a result, insurers are more likely to offer these drivers lower premiums, reflecting the lower financial risk they pose. For drivers who consistently follow traffic laws, avoid accidents, and demonstrate cautious driving behavior, this leads to substantial savings on their car insurance premiums over time.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $60 | $725 |
| Auto-Owners | $66 | $787 |
| Farmers Union | $72 | $860 |
| American Family | $73 | $880 |
| GEICO | $77 | $929 |
Cheapest Car Insurance In Utah For Drivers With Prior Incidents
Car insurance in Utah for drivers with prior incidents can be more expensive and challenging to find. Drivers with prior incidents, such as accidents or traffic violations, are considered higher risk by insurance companies. As a result, they may face higher premiums or have difficulty obtaining coverage from certain insurers.
However, there are still options available for these drivers, including specialized insurers that cater to high-risk drivers. It’s essential for drivers with prior incidents to shop around and compare quotes from multiple insurance companies to find the best coverage at the most affordable rate. Additionally, taking steps to improve driving habits and maintain a clean record going forward can help lower insurance premiums over time.
Cheapest Car Insurance In Utah For Drivers With A Speeding Ticket: USAA
USAA has average premiums of $93, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $93 | $1,111 |
| GEICO | $111 | $1,326 |
| Progressive | $120 | $1,434 |
| Auto-Owners | $125 | $1,500 |
| State Farm | $135 | $1,621 |
Cheapest Car Insurance In Utah For Drivers With An At-Fault Accident: USAA
USAA has average premiums of $108, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $108 | $1,298 |
| State Farm | $147 | $1,764 |
| Auto-Owners | $155 | $1,859 |
| GEICO | $158 | $1,891 |
| Progressive | $172 | $2,063 |
Cheapest Car Insurance In Utah For Drivers After A DUI: Progressive
Progressive has average premiums of $105 , making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $105 | $1,298 |
| State Farm | $137 | $1,621 |
| USAA | $133 | $1,639 |
| Iowa Farm Bureau | $163 | $1,817 |
| GEICO | $161 | $1,839 |
Average Cost Of Auto Insurance In Utah – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $711 | $8,534 |
| 17 | $441 | $5,296 |
| 18 | $386 | $4,637 |
| 19 | $271 | $3,252 |
| 21 | $197 | $2,368 |
| 25 | $181 | $2,173 |
| 35 | $161 | $1,928 |
| 45 | $154 | $1,849 |
| 55 | $142 | $1,703 |
| 65 | $125 | $1,503 |
| 75 | $154 | $1,849 |
Average Cost Of Car Insurance In Utah – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $950 |
| Male | Single | $1,000 |
| Female | Married | $850 |
| Male | Married | $900 |
Average Cost Of Auto Insurance In Utah – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $76 | $917 |
| Good | $96 | $1,155 |
| Fair | $118 | $1,423 |
| Poor | $150 | $1,801 |
Cheapest Car Insurance In Utah By City
| City | Average Monthly Cost | Average Annual Cost |
| Cedar City | $114 | $1,365 |
| St. George | $114 | $1,374 |
| Logan | $115 | $1,382 |
| Roy | $123 | $1,474 |
| Layton | $126 | $1,514 |
| Tooele | $126 | $1,517 |
Minimum Car Insurance Requirement In Utah
In Utah, the minimum car insurance requirements are mandated by state law to ensure financial protection for drivers in case of accidents. The minimum coverage includes:
Bodily Injury Liability: Coverage for injuries or death sustained by another person in an accident where you are at fault. The minimum limits required in Utah are $25,000 per person and $65,000 per accident.
Property Damage Liability: Coverage for damage to another person’s property in an accident where you are at fault. The minimum limit required in Utah is $15,000 per accident.
Personal Injury Protection (PIP): Coverage for medical expenses, lost wages, and other related costs for you and your passengers, regardless of fault. Utah is a no-fault state, and PIP coverage is mandatory. The minimum PIP coverage required in Utah is $3,000 per person.
These minimum coverage requirements ensure that drivers have basic protection in the event of an accident. However, it’s essential to note that minimum coverage may not be sufficient to cover all expenses in severe accidents, and drivers may consider purchasing additional coverage for better financial protection.
Car Insurance Discounts In Utah
When shopping for car insurance, it’s a smart idea to look for companies that offer discounts customized to your needs. Also, talking to your insurance agent can help you uncover discounts you may not be taking advantage of yet.
Here’s a closer look at the typical discounts offered by leading car insurance companies:
- Safe Driver Discount: This discount is offered to drivers who maintain a clean driving record with no accidents or traffic violations over a certain period, typically three to five years.
- Multi-Policy Discount: Insurance companies often provide discounts to customers who bundle their car insurance with other policies such as home or renters insurance.
- Good Student Discount: Students who maintain a high GPA or demonstrate academic excellence may qualify for discounted car insurance rates.
- Defensive Driving Course Discount: Completing a state-approved defensive driving course can lead to lower insurance premiums as it demonstrates a commitment to safe driving practices.
- Low Mileage Discount: Drivers who cover fewer miles annually may be eligible for a discount since they pose lower risk due to reduced exposure to potential accidents.
- Vehicle Safety Features Discount: Installing safety features such as anti-theft devices, airbags, and anti-lock brakes can earn discounts on car insurance premiums.
FAQs
How much is car insurance a month in Utah?
The average cost of car insurance per month in Utah varies depending on factors such as age, driving record, and coverage level, but it typically ranges from $100 to $250 per month.
What is the minimum car insurance one must have in Utah?
The minimum car insurance required in Utah includes:
- $25,000 bodily injury liability per person
- $65,000 bodily injury liability per accident
- $15,000 property damage liability per accident
- $3,000 personal injury protection (PIP)
Which insurance is better in Utah?
Determining which insurance is better in Utah depends on individual needs, driving habits, and budget. It’s essential to compare quotes from multiple insurers and consider factors such as coverage options, customer service, discounts, and financial stability.
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