Best Car Insurance in Utah (2026 Picks)

Top Rated Car Insurance Companies in Utah

The top-rated car insurance companies in Utah are:

Best Overall and Best for Young Drivers: Auto-Owners
Best Cheap for Drivers With a Violation or Senior Drivers: GEICO
Best Cheap for Drivers With a DUI: Progressive

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Utah's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Utah

Auto-Owners is the best car insurance company in Utah, with a 4.9 out of 5 MoneyGeek score. It excels in affordability and customer service.

Auto-Owners offers competitive rates with state minimum coverage at $54 monthly. Drivers with clean records pay $94 monthly for full coverage, which runs 15% below state averages.

GEICO leads for senior drivers, combining competitive rates with efficient digital tools. Progressive earns top marks for drivers with DUI violations, offering the state's most competitive rates for this high-risk category.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Auto Owners	4.90	$94	5.00	5.00	3.60
Progressive	4.70	$104	4.80	4.60	4.90
Geico	4.70	$93	5.00	4.40	3.30
Farmers	4.30	$129	4.20	4.20	5.00
Nationwide	4.20	$132	4.20	4.40	4.10

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Utah cost?

How much car insurance do I need in Utah?

Best Overall Insurer in Utah: Auto-Owners

Auto-Owners

Best Overall and Best for Young Drivers

MoneyGeek Rating

4.8/ 5

5/5Affordability

5/5Customer Experience

3.6/5Coverage Points

Average Monthly Full Coverage Cost
$97
Average Monthly Minimum Coverage Cost
$54
Agent Service Score
Provider not found/5
Most Unique Coverage Add-On
True Blue Auto Coverage

pros
- Ranks first overall among Utah car insurance providers
- Ranks first in customer experience and service satisfaction
- Mutual company structure prioritizes policyholder interests over profits
- Strong financial stability with A+ rating from AM Best
cons
- Limited coverage options compared to larger national insurers
- Fewer digital tools and mobile app features available
- Smaller agent network may limit local service access
Auto-Owners earns MoneyGeek's highest score (4.9 out of 5) among Utah insurers. The company ranks first in both affordability and customer experience with perfect 5.0 ratings in each category.

Auto-Owners offers competitive rates for both clean-record drivers and those rebuilding after violations. Utah drivers get comprehensive coverage at rates 15% below the state average, saving about $186 annually.
Auto-Owners' monthly premiums range from $54 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $85 to $105 monthly for full coverage. Young drivers pay $180 to $350 monthly.

These rates run 15% below Utah averages, saving drivers about $186 annually.

Auto-Owners offers additional savings through multi-policy bundling (typically 10% to 15% off) and good student discounts. The mutual company structure means policyholders share in company profits rather than paying dividends to external shareholders.
Auto-Owners scores a perfect 5.0 out of 5 for customer satisfaction, first among Utah insurers. The company processes standard claims within seven to 10 business days. Customer service runs through local agents who provide personalized support and claims assistance.

Auto-Owners maintains agents throughout Utah who understand regional challenges like winter weather conditions and rural driving. The mutual company structure focuses on policyholder service rather than shareholder profits. Phone support handles claims and policy questions with typical wait times under five minutes.
Auto-Owners scores 3.6 out of 5 for coverage options, reflecting its focus on core protections rather than extensive add-ons. Comprehensive, collision, liability, uninsured/underinsured motorist and medical payments coverage form the foundation. Policy limits run from Utah minimums (25/65/15) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options include:
- True Blue Auto Coverage: Enhanced protection package for qualifying drivers
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help
- Loan/lease gap coverage: Pays difference between vehicle value and loan balance

Best for Senior Drivers in Utah: GEICO

GEICO

Best Cheap for Drivers With a Violation or Senior Drivers

MoneyGeek Rating

4.7/ 5

5/5Affordability

4.4/5Customer Experience

3.3/5Coverage Points

Average Monthly Full Coverage Cost
$90
Average Monthly Minimum Coverage Cost
$46
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first in Utah for affordability among major insurers
- Ranks second overall for comprehensive value in the state
- Best option for drivers with violations seeking affordable coverage
- Strong mobile app with digital claims processing capabilities
cons
- Ranks last among Utah insurers for coverage options available
- Limited local agent presence compared to traditional insurers
- Below-average customer experience ranking in the state
GEICO earns a 4.7 out of 5 MoneyGeek score and ranks as the best option for senior drivers. The company combines competitive rates with efficient digital tools that simplify policy management.

GEICO's digital-first approach provides fast quotes, streamlined claims processing and efficient policy management. Coverage options stay simpler than competitors, but the straightforward approach keeps costs down for budget-conscious Utah drivers.
GEICO offers competitive rates for Utah senior drivers. Adult drivers pay $93 monthly for full coverage. State minimum coverage costs $46 monthly.

Senior drivers benefit from some of the lowest rates among all driver categories. Clean-record adults pay $85 to $100 monthly for full coverage.

Multi-policy bundles save up to 10%. Military discounts, good student discounts, federal employee discounts and vehicle safety features provide additional savings. GEICO's mechanical breakdown insurance offers extended coverage for newer vehicles.
Customer experience scores 4.4 out of 5. GEICO operates primarily through digital channels with phone support available 24/7 at 800-861-8380. Claims processing runs seven to 10 business days on average.

The mobile app provides streamlined claims filing, photo uploads and policy management. Digital tools reduce wait times for routine transactions. Claims processing handles Utah's common risks like winter weather damage and vehicle theft efficiently through the online system.
Coverage options score 3.3 out of 5, reflecting GEICO's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Utah minimums (25/65/15) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for newer vehicles beyond manufacturer warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery, fuel and lockout service
- Emergency roadside service: Additional assistance programs for breakdowns

Best Insurer for Drivers with a DUI: Progressive

Progressive

Best Cheap for Drivers With a DUI

MoneyGeek Rating

4.7/ 5

4.8/5Affordability

4.6/5Customer Experience

4.9/5Coverage Points

Average Monthly Full Coverage Cost
$105
Average Monthly Minimum Coverage Cost
$71
Agent Service Score
4.3/5
Most Unique Coverage Add-On
Pet Injury Coverage

pros
- Ranks second in Utah for customer experience
- Ranks second for coverage quality and options
- Best choice for drivers with DUI violations
- Industry-leading digital tools and mobile app features
cons
- Higher premiums than several Utah competitors
- Limited local agent network throughout Utah
Progressive earns a 4.7 out of 5 MoneyGeek score and ranks as the best option for drivers with DUI violations. The company offers Utah's most competitive rates for this high-risk category while maintaining strong customer service ratings.

Progressive's Snapshot telematics program rewards safe driving with discounts up to 30%. The mobile-first approach offers same-day claims decisions and comprehensive digital policy management tools that simplify the insurance process.
Progressive offers Utah's most competitive rates for drivers with DUI violations. Adult drivers with DUI convictions pay $107 monthly for full coverage. State minimum coverage costs $71 monthly.

DUI drivers save significantly compared to other major insurers. Progressive's rates remain competitive across multiple high-risk categories.

The Snapshot program can reduce premiums by up to 30% for safe drivers. Multi-policy bundling saves 12% to 25% when combined with home insurance. Additional discounts include paperless billing, automatic payments and good student rates.
Customer experience scores 4.6 out of 5, second among Utah insurers. The mobile app receives high marks for claims filing, photo uploads and same-day claim decisions without requiring adjuster calls. Claims processing runs five to seven business days on average.

Progressive maintains 24/7 support at 800-776-4737 with average wait times under five minutes during business hours. Claims process efficiently, with shorter wait times than many competitors during peak periods.
Coverage options score 4.9 out of 5, highest among Utah insurers. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Utah minimums (25/65/15) to 250/500/100.

Progressive's features:
- Pet injury coverage: $1,000 per incident for furry passengers
- Custom parts and equipment coverage: Up to $5,000 for aftermarket modifications
- Rideshare coverage: Bridges gap for Uber and Lyft drivers
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: $30 to $50 daily while your car's in the shop
- Roadside assistance: $16 annually covers towing, battery jumps and lockout services
- Snapshot program: Usage-based insurance rewards safe driving with up to 30% discounts

How to Find the Best Car Insurance in Utah

Finding the best car insurance in Utah requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver based on driving record, budget and coverage needs.

1
Understand Utah's insurance requirements
Before comparing car insurance quotes in Utah, know what the state requires: $25,000 bodily injury coverage per person, $65,000 per accident and $15,000 property damage coverage. Utah also requires uninsured motorist coverage at matching 25/65/15 minimum levels, plus $3,000 in personal injury protection (PIP).

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident.
2
Research average costs
Full coverage car insurance in Utah costs $800 to $1,200 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $1,800 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas like Salt Lake City cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Utah drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Usage-based insurance programs track your actual driving habits. Progressive's Snapshot can save safe drivers up to 30% annually. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $45 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $60 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Auto-Owners leads Utah insurers in customer service with a perfect 5.0 rating. GEICO maintains competitive pricing with efficient digital tools.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Auto-Owners, for example, works primarily through local agents.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Utah

State minimums often don't provide enough financial protection for real accident costs. Utah ranks 16th nationally for traffic safety, meaning crashes happen regularly across the Beehive State.

An emergency room visit costs over $1,000 on average nationwide. A severe trauma case at a Salt Lake City, Provo or Ogden hospital costs $35,000 to $50,000. Vehicle repairs after moderate collisions usually run over $10,000.

Minimum coverage won't cover you if you cause a multi-vehicle accident on I-15, I-80 or US-89. Lawsuits will drain your savings and garnish your wages.

Utah's 11.1 traffic deaths per 100,000 residents exceeds the national average, while the state's 8.2% uninsured driver rate means roughly 226,000 drivers operate without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Utah drivers.

MoneyGeek recommends these coverage levels for Utah drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $20 to $30 more monthly than Utah's 25/65/15 minimums and covers most Utah drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $35 to $50 more monthly than minimums but covers your assets if you cause a serious accident. Utah's above-average traffic fatality rate makes higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries financing. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $25 to $35 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Utah, where frequent hailstorms damage vehicles and vehicle theft rates in Salt Lake City exceed national averages. Collision coverage protects you on busy corridors like I-15 and during Park City's ski season when tourist traffic increases accident risks throughout the region.

Uninsured/Underinsured Motorist: Utah requires this coverage at 25/65/15 minimum levels, but you should match these limits to your liability coverage. With roughly 226,000 uninsured drivers on Utah roads (8.2% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Utah's at-fault insurance system, this coverage pays quickly without liability investigations. You avoid out-of-pocket costs while claims work through the state's system.

Medical payments protection costs $20 monthly for $5,000 in coverage, which is worth it given Utah's accident rates.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Utah

Utah's competitive insurance market and consumer-friendly regulations keep car insurance rates affordable throughout the Beehive State. State minimum coverage costs just $61 monthly, ranking Utah first nationally for affordable basic coverage.

Full coverage runs $50 more monthly than the state minimum. Average premiums hit $111 monthly for full coverage with a $1,000 deductible, 10% below the national average.

Compare your quotes with these averages using the table or our Utah car insurance calculator.

Data filtered by:


Clean	$61	$111	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$62	$116	2
Texting While Driving	$74	$129	3
Speeding 11-15 MPH over limit	$76	$137	4
DUI - BAC >= .08	$92	$181	10
At Fault Accident ($1000-$1999 Prop Dmg)	$94	$176	7

HOW VIOLATIONS AFFECT YOUR RATES IN UTAH

DUI violations crush Utah drivers with 64% rate increases plus mandatory SR-22 filing requirements. At-fault accidents follow closely behind, raising premiums 60% for Utah residents. Texting while driving proves less costly but still bumps rates 16% to 18%, adding roughly $66 monthly to full coverage policies.

Best Utah Auto Insurance: Bottom Line

Auto-Owners ranks first for most Utah drivers with a 4.9 overall score, balancing competitive rates ($94 monthly full coverage) with outstanding customer service. Your priorities determine the best choice: GEICO offers competitive rates for senior drivers through efficient digital tools at $93 monthly for full coverage, and Progressive excels for drivers with DUI violations, providing Utah's most competitive rates for this high-risk category.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Utah: FAQ

Finding suitable car insurance depends on your unique circumstances. Common insurance questions and their answers guide you toward appropriate coverage decisions.

What do I need to get car insurance in Utah as a new resident?

New Utah residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Utah's minimum requirements of 25/65/15 rather than starting with a new insurer.

Can I drive in Utah with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote, buy property or stay more than six months), you must get Utah insurance within 60 days.

Your out-of-state policy must meet Utah's minimum requirements of 25/65/15 (bodily injury per person/per accident, property damage). Military members can keep their home-state insurance if stationed in Utah but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Utah?

Driving without insurance results in fines from $400 to $1,000 and immediate license suspension for first-time offenders. You'll also pay a $100 reinstatement fee and need SR-22 certification for three years, substantially increasing insurance costs. Repeat offenses within three years bring $1,000 fines and up to six months in jail. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Utah?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Utah insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Utah offer car insurance discounts for military members?

Most Utah insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

How We Rated the Best Car Insurance in Utah

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Utah. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

Affordability (60%): We looked at quotes for different driver profiles and compared rates within Utah. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Utah-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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