Updated: October 15, 2025
Advertising & Editorial Disclosure
The cheapest car insurance companies in Utah are GEICO, Auto-Owners and Progressive, with GEICO offering rates 33% below the state average.
Car insurance costs in Utah start at $36 monthly for minimum coverage and $44 for full coverage policies on average.
To get the cheapest car insurance in Utah, research costs and top companies, use discounts and compare multiple provider quotes.
GEICO offers Utah drivers the best deal: $46 monthly for minimum coverage or $90 for full coverage. Those rates beat the state average by 33%, saving you about $400 yearly — enough to cover several months of your premium.
Get quotes from Auto-Owners, Progressive, Nationwide and Farmers too.
| Geico | $46 | $90 | -33% | $-34 |
| Auto Owners | $54 | $97 | -26% | $-26 |
| Progressive | $71 | $105 | -14% | $-14 |
| Nationwide | $72 | $123 | -4% | $-4 |
| Farmers | $65 | $131 | -4% | $-4 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
We've created additional guides below to help you in your search for the best and cheapest car insurance in Utah:
GEICO offers Utah's cheapest rates in five out of our 10 driver categories, including adult drivers, seniors and those with speeding tickets, while Auto-Owners leads with the lowest rates in two categories. Find your specific rates in the table:
| Young Drivers | Auto Owners | $145 |
| Adult Drivers | Geico | $48 |
| Senior Drivers | Geico | $70 |
| Drivers With An Accident | Geico | $76 |
| Drivers With A DUI | Progressive | $82 |
| Drivers With A Speeding Ticket | Geico | $57 |
| Drivers With Bad Credit | Kemper | $74 |
| Drivers With Low Income | Farm Bureau | $50 |
| Drivers With Newer Cars | Geico | $44 |
| Drivers With Old Cars | Auto Owners | $36 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
The tables above show overall winners, but your cheapest option depends on your situation. For example, Kemper offers the lowest rates for drivers with poor credit and an accident who want 100/300/100 full coverage with a $1,000 deductible. Filter the table to match your exact situation:
| Kemper | $222 | $2,667 | -39% | $-1,713 |
| UAIC | $267 | $3,203 | -27% | $-1,176 |
| Farm Bureau | $299 | $3,587 | -18% | $-793 |
| Auto Owners | $335 | $4,019 | -8% | $-360 |
| Geico | $368 | $4,413 | 1% | $33 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Where you live in Utah affects your insurance costs based on local crime, accidents and traffic density. GEICO offers different rates across cities but specific city data isn't available in our current analysis. Here are the most affordable providers for Utah drivers:
| Salt Lake City | Geico | $53 | -37% | $-47 |
| West Valley City | Geico | $62 | -34% | $-47 |
| West Jordan | Geico | $57 | -40% | $-53 |
| Provo | Geico | $56 | -34% | $-41 |
| St. George | Auto Owners | $48 | -33% | $-34 |
| Orem | Geico | $53 | -33% | $-39 |
| Sandy | Geico | $50 | -37% | $-44 |
| Ogden | Geico | $50 | -35% | $-40 |
| Layton | Geico | $48 | -35% | $-38 |
| Lehi | Geico | $53 | -30% | $-33 |
| South Jordan | Geico | $54 | -30% | $-34 |
| Herriman | Auto Owners | $57 | -30% | $-34 |
| Taylorsville | Geico | $55 | -37% | $-47 |
| Logan | Geico | $44 | -32% | $-31 |
| Eagle Mountain | Auto Owners | $56 | -29% | $-32 |
| Draper | Geico | $50 | -35% | $-40 |
| Saratoga Springs | Geico | $53 | -30% | $-33 |
| Murray | Geico | $57 | -33% | $-41 |
| Riverton | Auto Owners | $55 | -32% | $-37 |
| Spanish Fork | Geico | $51 | -32% | $-35 |
| Bountiful | Geico | $54 | -37% | $-45 |
| Roy | Geico | $49 | -36% | $-41 |
| Pleasant Grove | Geico | $54 | -31% | $-35 |
| Cedar City | Auto Owners | $48 | -28% | $-26 |
| Tooele | Geico | $46 | -36% | $-37 |
| American Fork | Geico | $53 | -31% | $-36 |
| Springville | Geico | $52 | -31% | $-35 |
| Midvale | Geico | $52 | -37% | $-45 |
| Washington | Auto Owners | $48 | -32% | $-32 |
| Kaysville | Geico | $49 | -32% | $-34 |
| Cottonwood Heights | Auto Owners | $54 | -34% | $-38 |
| Syracuse | Geico | $49 | -34% | $-37 |
| Holladay | Geico | $52 | -35% | $-42 |
| Clearfield | Geico | $49 | -35% | $-40 |
| Magna | Auto Owners | $60 | -34% | $-42 |
| Farmington | Geico | $48 | -33% | $-35 |
| Payson | Geico | $50 | -30% | $-33 |
| North Salt Lake | Geico | $50 | -36% | $-41 |
| North Ogden | Geico | $50 | -32% | $-34 |
| Centerville | Geico | $47 | -34% | $-36 |
| Smithfield | Geico | $44 | -33% | $-32 |
| Grantsville | Geico | $45 | -34% | $-34 |
| Lindon | Geico | $53 | -32% | $-37 |
| Woods Cross | Geico | $48 | -35% | $-38 |
| Washington Terrace | Geico | $49 | -35% | $-38 |
| Alpine | Auto Owners | $54 | -33% | $-37 |
| Altamont | Geico | $46 | -32% | $-33 |
| Alton | Auto Owners | $48 | -31% | $-30 |
| Altonah | Geico | $46 | -32% | $-32 |
| Aneth | Auto Owners | $48 | -29% | $-28 |
| Annabella | Auto Owners | $47 | -28% | $-25 |
| Antimony | Auto Owners | $48 | -31% | $-31 |
| Aurora | Auto Owners | $47 | -33% | $-32 |
| Axtell | Geico | $46 | -27% | $-25 |
| Bear River City | Geico | $46 | -36% | $-38 |
| Beaver | Auto Owners | $48 | -28% | $-27 |
| Beryl | Geico | $46 | -29% | $-28 |
| Bicknell | Geico | $46 | -29% | $-27 |
| Blanding | Auto Owners | $47 | -28% | $-26 |
| Bluebell | Geico | $46 | -31% | $-31 |
| Bluff | Geico | $46 | -30% | $-29 |
| Bonanza | Geico | $46 | -30% | $-28 |
| Boulder | Auto Owners | $48 | -28% | $-26 |
| Brian Head | Auto Owners | $48 | -29% | $-27 |
| Brigham City | Geico | $45 | -31% | $-30 |
| Bryce | Geico | $46 | -28% | $-26 |
| Cache Junction | Geico | $45 | -30% | $-29 |
| Cannonville | Geico | $46 | -32% | $-32 |
| Castle Dale | Auto Owners | $47 | -29% | $-27 |
| Cedar Valley | Geico | $46 | -36% | $-38 |
| Centerfield | Auto Owners | $48 | -29% | $-27 |
| Central | Auto Owners | $49 | -30% | $-30 |
| Chester | Geico | $46 | -29% | $-28 |
| Circleville | Geico | $46 | -31% | $-31 |
| Cisco | Geico | $46 | -27% | $-25 |
| Clarkston | Geico | $45 | -32% | $-32 |
| Clawson | Geico | $46 | -27% | $-25 |
| Cleveland | Auto Owners | $48 | -30% | $-28 |
| Coalville | Geico | $46 | -35% | $-36 |
| Collinston | Geico | $45 | -32% | $-31 |
| Copperton | Geico | $47 | -41% | $-47 |
| Corinne | Geico | $46 | -32% | $-32 |
| Cornish | Geico | $45 | -31% | $-30 |
| Croydon | Geico | $46 | -32% | $-32 |
| Dammeron Valley | Auto Owners | $49 | -31% | $-31 |
| Delta | Auto Owners | $48 | -28% | $-26 |
| Deweyville | Geico | $46 | -32% | $-32 |
| Duchesne | Geico | $46 | -32% | $-32 |
| Duck Creek Village | Geico | $46 | -30% | $-28 |
| Dugway | Geico | $46 | -31% | $-31 |
| Dutch John | Geico | $46 | -31% | $-31 |
| East Carbon | Geico | $46 | -27% | $-25 |
| Echo | Geico | $46 | -36% | $-39 |
| Eden | Geico | $46 | -38% | $-41 |
| Elberta | Geico | $46 | -34% | $-36 |
| Elmo | Geico | $46 | -29% | $-27 |
| Elmo | Auto Owners | $48 | -29% | $-27 |
| Elsinore | Auto Owners | $46 | -29% | $-26 |
| Emery | Geico | $46 | -29% | $-27 |
| Enterprise | Auto Owners | $49 | -33% | $-33 |
| Ephraim | Auto Owners | $49 | -29% | $-28 |
| Ephraim | Geico | $46 | -29% | $-28 |
| Escalante | Auto Owners | $48 | -31% | $-29 |
| Eureka | Geico | $46 | -31% | $-30 |
| Fairview | Geico | $46 | -32% | $-32 |
| Fayette | Auto Owners | $48 | -29% | $-27 |
| Ferron | Auto Owners | $47 | -29% | $-27 |
| Fillmore | Auto Owners | $48 | -27% | $-25 |
| Fort Duchesne | Geico | $46 | -31% | $-31 |
| Fountain Green | Geico | $46 | -31% | $-30 |
| Fruitland | Geico | $46 | -33% | $-33 |
| Garden | Geico | $46 | -32% | $-32 |
| Garland | Geico | $46 | -31% | $-31 |
| Garrison | Auto Owners | $49 | -27% | $-25 |
| Glendale | Auto Owners | $48 | -31% | $-29 |
| Glenwood | Auto Owners | $47 | -28% | $-25 |
| Goshen | Geico | $46 | -32% | $-32 |
| Green River | Auto Owners | $47 | -27% | $-24 |
| Greenville | Auto Owners | $49 | -29% | $-27 |
| Greenwich | Geico | $46 | -30% | $-28 |
| Greenwich | Auto Owners | $49 | -30% | $-28 |
| Grouse Creek | Geico | $46 | -31% | $-31 |
| Gunlock | Auto Owners | $50 | -34% | $-36 |
| Gunnison | Auto Owners | $48 | -30% | $-28 |
| Hanksville | Auto Owners | $48 | -29% | $-28 |
| Hanna | Geico | $46 | -32% | $-32 |
| Hatch | Geico | $46 | -29% | $-27 |
| Heber | Geico | $47 | -34% | $-35 |
| Helper | Auto Owners | $47 | -28% | $-26 |
| Henefer | Geico | $46 | -35% | $-37 |
| Henrieville | Geico | $46 | -28% | $-26 |
| Hildale | Geico | $44 | -38% | $-40 |
| Hill Air Force Base | Geico | $49 | -36% | $-41 |
| Hinckley | Auto Owners | $48 | -28% | $-27 |
| Holden | Geico | $46 | -27% | $-26 |
| Honeyville | Geico | $46 | -30% | $-29 |
| Hooper | Geico | $49 | -33% | $-36 |
| Howell | Geico | $46 | -32% | $-32 |
| Huntington | Auto Owners | $47 | -29% | $-27 |
| Huntsville | Geico | $46 | -36% | $-39 |
| Hurricane | Auto Owners | $49 | -29% | $-28 |
| Hyde Park | Geico | $46 | -31% | $-30 |
| Hyrum | Geico | $46 | -31% | $-30 |
| Ibapah | Geico | $46 | -36% | $-39 |
| Ivins | Auto Owners | $48 | -32% | $-32 |
| Jensen | Geico | $46 | -30% | $-29 |
| Joseph | Auto Owners | $47 | -28% | $-26 |
| Junction | Auto Owners | $48 | -33% | $-34 |
| Kamas | Geico | $46 | -34% | $-35 |
| Kanab | Auto Owners | $47 | -29% | $-28 |
| Kanarraville | Geico | $45 | -33% | $-33 |
| Kanosh | Auto Owners | $48 | -29% | $-27 |
| Kenilworth | Auto Owners | $48 | -30% | $-28 |
| Kingston | Auto Owners | $47 | -31% | $-30 |
| Koosharem | Auto Owners | $47 | -28% | $-25 |
| Lake Powell | Auto Owners | $48 | -27% | $-25 |
| Laketown | Geico | $46 | -32% | $-32 |
| Lapoint | Auto Owners | $48 | -30% | $-29 |
| La Sal | Geico | $46 | -28% | $-27 |
| La Verkin | Geico | $47 | -30% | $-30 |
| Leamington | Geico | $46 | -29% | $-28 |
| Leeds | Geico | $47 | -30% | $-29 |
| Levan | Geico | $46 | -31% | $-31 |
| Lewiston | Geico | $46 | -31% | $-31 |
| Loa | Auto Owners | $47 | -31% | $-30 |
| Lyman | Geico | $46 | -29% | $-27 |
| Lynndyl | Geico | $46 | -29% | $-28 |
| Manila | Geico | $46 | -30% | $-29 |
| Manti | Geico | $46 | -29% | $-28 |
| Mantua | Geico | $45 | -32% | $-31 |
| Mapleton | Geico | $52 | -32% | $-36 |
| Marysvale | Auto Owners | $47 | -31% | $-29 |
| Mayfield | Auto Owners | $48 | -32% | $-31 |
| Meadow | Geico | $46 | -28% | $-26 |
| Mendon | Geico | $45 | -32% | $-31 |
| Mexican Hat | Geico | $47 | -32% | $-32 |
| Midway | Geico | $45 | -36% | $-37 |
| Milford | Auto Owners | $49 | -28% | $-27 |
| Millcreek | Geico | $53 | -32% | $-37 |
| Millville | Geico | $44 | -35% | $-35 |
| Minersville | Geico | $46 | -31% | $-30 |
| Moab | Auto Owners | $46 | -29% | $-26 |
| Modena | Geico | $46 | -28% | $-27 |
| Mona | Geico | $46 | -32% | $-31 |
| Monroe | Auto Owners | $46 | -29% | $-26 |
| Montezuma Creek | Geico | $46 | -30% | $-30 |
| Monticello | Auto Owners | $47 | -29% | $-27 |
| Monument Valley | Auto Owners | $48 | -30% | $-28 |
| Morgan | Geico | $47 | -31% | $-31 |
| Moroni | Geico | $46 | -30% | $-29 |
| Mountain Home | Geico | $46 | -33% | $-33 |
| Mount Carmel | Geico | $44 | -34% | $-33 |
| Mount Pleasant | Geico | $46 | -29% | $-28 |
| Myton | Geico | $46 | -32% | $-32 |
| Neola | Geico | $46 | -32% | $-33 |
| Nephi | Auto Owners | $48 | -30% | $-29 |
| Newcastle | Geico | $46 | -28% | $-26 |
| New Harmony | Geico | $45 | -32% | $-31 |
| Newton | Geico | $46 | -33% | $-33 |
| Oak City | Geico | $46 | -30% | $-29 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
We analyzed car insurance rates across Utah for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Three age groups show distinct rate patterns:
Young drivers pay the least with Geico, averaging $140 per month ($1,680 annually), around 23% cheaper than the state average. Farm Bureau is close behind at $142 monthly, while Progressive charges the most at $190 per month.
| Geico | $140 | $1,680 | -23% | $-507 |
| Farm Bureau | $142 | $1,706 | -22% | $-481 |
| Auto Owners | $145 | $1,743 | -20% | $-444 |
| Allstate | $172 | $2,068 | -5% | $-118 |
| Progressive | $190 | $2,281 | 4% | $95 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own. Drivers under 18 must meet specific state requirements and may need parental consent or supervision as mandated by Utah law.
Adult drivers can find the most affordable coverage with Geico, which averages $48 per month ($573 annually) — 33% below the state average. Auto Owners is next at $53 per month, while Kemper is the highest at $69 monthly.
| Geico | $48 | $573 | -33% | $-285 |
| Auto Owners | $53 | $632 | -26% | $-225 |
| Farm Bureau | $64 | $768 | -10% | $-90 |
| Farmers | $65 | $777 | -9% | $-80 |
| Kemper | $69 | $833 | -3% | $-24 |
Senior drivers in Utah get the cheapest rates with Geico, at about $70 per month ($846 annually) — 31% lower than the state average. Kemper follows at $87 per month, while Farmers is slightly higher at $93 monthly.
| Geico | $70 | $846 | -31% | $-382 |
| Kemper | $87 | $1,049 | -15% | $-179 |
| Progressive | $92 | $1,104 | -10% | $-124 |
| Auto Owners | $92 | $1,109 | -10% | $-119 |
| Farmers | $93 | $1,110 | -10% | $-117 |
Your driving record is one of the biggest factors affecting car insurance rates in Utah. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents or DUIs can raise costs significantly. See the cheapest providers in Utah based on different driving records.
Credit scores significantly affect premiums. Drivers with poor credit in Utah save the most with Kemper, averaging $71 per month ($854 annually). Farm Bureau comes next at $83 per month, while Nationwide is much higher at $132 per month.
| Kemper | $71 | $854 | -50% | $-841 |
| Farm Bureau | $83 | $995 | -41% | $-700 |
| Geico | $103 | $1,233 | -27% | $-462 |
| Auto Owners | $119 | $1,425 | -16% | $-270 |
| Nationwide | $132 | $1,588 | -6% | $-107 |
Drivers with a DUI conviction pay less with Kemper, which averages $74 per month ($891 annually). That’s about 32% below the state average. Progressive follows at $87 monthly, while Farmers is the most expensive at $101 per month.
| Kemper | $74 | $891 | -32% | $-426 |
| Progressive | $87 | $1,044 | -21% | $-273 |
| Geico | $94 | $1,131 | -14% | $-186 |
| State Farm | $99 | $1,188 | -10% | $-129 |
| Farmers | $101 | $1,213 | -8% | $-104 |
For drivers with an at-fault accident, Geico offers the lowest premiums at $79 per month ($948 annually) — 24% below the state average. Auto Owners is next at $90 per month, while Farmers charges the most among top insurers at $102 per month.
| Geico | $79 | $948 | -24% | $-293 |
| Auto Owners | $90 | $1,075 | -13% | $-166 |
| Kemper | $96 | $1,152 | -7% | $-89 |
| Farm Bureau | $96 | $1,156 | -7% | $-85 |
| Farmers | $102 | $1,220 | -2% | $-20 |
Utah drivers with a speeding violation can get the lowest rates from Geico, averaging $59 per month ($713 annually), which is 29% cheaper than the state average. Auto Owners follows at $68 per month, while Kemper is higher at $85 monthly.
| Geico | $59 | $713 | -29% | $-287 |
| Auto Owners | $68 | $817 | -18% | $-183 |
| Farm Bureau | $77 | $924 | -8% | $-76 |
| Farmers | $80 | $962 | -4% | $-38 |
| Kemper | $85 | $1,015 | 1% | $15 |
Drivers in Utah with a texting while driving violation can find the lowest rates with State Farm, averaging $41 per month ($489 annually). That’s approximately 48% cheaper than the state average, saving drivers around $460 per year.
| State Farm | $41 | $489 | -48% | $-460 |
| AAA | $60 | $723 | -24% | $-226 |
| Geico | $63 | $761 | -20% | $-188 |
| Germania Insurance | $66 | $797 | -16% | $-153 |
| Mercury Insurance | $77 | $920 | -3% | $-29 |
Price alone doesn't determine your actual premium. Your driving record, location and coverage choices affect your final rate. You'll find proven ways to save the most on auto insurance with these effective strategies.
Average car insurance costs in Utah vary widely between Salt Lake City, Provo, and rural counties. Urban drivers usually pay higher rates, while rural drivers may pay less. Shopping multiple quotes is the most effective way to find affordable coverage.
Utah is a no-fault state. Drivers must carry 25/65/15 liability coverage and $3,000 in Personal Injury Protection. Insurers must also offer uninsured and underinsured motorist coverage, which drivers can decline in writing. It is important to know what coverage is required and what coverage your need to avoid paying unnecessary add ons.
Utah insurers frequently provide savings for bundling, safe-driver programs, good student discounts, and telematics programs. Many companies also offer low-mileage discounts, which can benefit drivers in rural counties or those who work from home.
Drivers in Salt Lake City face higher accident rates, while rural drivers contend with deer collisions and icy winter roads. Utah also sees frequent hailstorms in some regions, making comprehensive coverage a smart choice for many drivers.
Raising deductibles on comprehensive or collision coverage can lower monthly premiums if you have enough savings to cover the higher out-of-pocket expense after a claim. Choosing higher liability limits also provides stronger protection for a modest cost.
Driving history and credit score are two of the most influential factors in Utah premium pricing. Avoiding violations and building credit are key to long-term savings.
Traditional auto insurance isn't your only option; alternative policies exist. For example, pay-per-mile car insurance charges are based on how much you drive, and telematics insurance tracks driving behaviors to determine your pricing or provide a discount if it's just a separate program. Also, look into your automaker's insurance program if it has one to see if you can get lower rates than with a regular provider.
High-risk drivers who cannot get coverage through the voluntary market can apply for insurance under the Utah Automobile Insurance Plan. This program guarantees liability coverage but at a higher cost.
Utah requires drivers to carry liability insurance with minimum coverage of 25/65/15. This means you need $25,000 for injuries to one person, $65,000 total for injuries in one accident and $15,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Without collision coverage, you'll pay all repair costs if you cause an accident. In Utah, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Utah gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against snow storms, flash floods and hail that frequently hit Utah.
Utah's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Insurance Information Institute data shows average bodily injury claims in Utah reached $23,800 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Utah has a serious uninsured driver problem, with 12% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Car theft is a real problem in Utah, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in higher-risk areas.
Utah law requires all drivers to carry auto insurance to legally operate a vehicle. The state follows a no-fault system, which means your own insurer helps cover medical expenses after an accident, regardless of fault. Policies must include liability coverage and Personal Injury Protection (PIP). While these limits satisfy state law, many drivers choose higher coverage amounts for added protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $65,000 per accident |
Property Damage Liability | $15,000 per accident |
Personal Injury Protection | $3,000 minimum per person |
GEICO offers the lowest car insurance rates in Utah for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Common questions about affordable car insurance in Utah:
GEICO provides the most affordable car insurance in Utah, with average annual rates of $552 for minimum coverage and $1,080 for full coverage. Auto-Owners, Progressive, Nationwide and Farmers also offer competitive rates.
Auto-Owners provides the most affordable rates for young drivers in Utah, with monthly premiums starting at $145 for minimum coverage.
Senior drivers in Utah can find the most competitive rates with GEICO, offering policies for those 65 and older at an average of $70 per month for minimum coverage.
Kemper provides the most affordable rates for bad-credit drivers in Utah, with monthly premiums averaging $74 for minimum coverage.
GEICO offers the most affordable car insurance rates for Utah drivers with an accident history, starting at $76 per month for minimum coverage.
Progressive provides the cheapest car insurance after a DUI in Utah, with rates of $82 monthly for minimum coverage and $132 monthly for full coverage.
Utah drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $57 monthly for minimum coverage and $117 for full coverage.
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Utah.
MoneyGeek collected auto insurance data from the Utah Insurance Department and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Utah.
Our analysis started with a standard driver profile to find the cheapest rates:
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
We compared car insurance companies in Utah that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Utah.
The minimum coverage liability limits in Utah are:
For full coverage policy rates, we used the following liability limits:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
