Auto-Owners is the best overall car insurance company in Utah, earning a MoneyGeek score of 4.74 out of 5 for its strong customer service, competitive rates and coverage options. While individual needs vary, we also recommend considering GEICO, Progressive, Farmers and Nationwide for your car insurance needs.
Best Car Insurance in Utah
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Utah is Auto-Owners, ranking first in customer satisfaction with a perfect 5 out of 5 score.
Progressive offers the best coverage for senior drivers and those with new cars, while Auto-Owners leads for drivers with speeding tickets on their record.
To secure the best car insurance rates in Utah, decide on your coverage needs first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Utah
| Auto-Owners | 4.74 | $75 | 1 | 5 |
| GEICO | 4.65 | $68 | 5 | 6 |
| Progressive | 4.53 | $88 | 2 | 2 |
| Farmers | 4.29 | $98 | 8 | 1 |
| Nationwide | 4.24 | $97 | 6 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Utah by Driver Profile
Auto-Owners leads Utah car insurance rates in six out of ten driver categories. Progressive offers the lowest rates for seniors, DUI offenders and drivers with newer cars, while GEICO provides the best rates after accidents.
| Young Drivers | Auto-Owners | 1 | 1 | 5 |
| Adult Drivers | Auto-Owners | 2 | 1 | 5 |
| Senior Drivers | Progressive | 2 | 2 | 2 |
| Drivers With an Accident | GEICO | 1 | 5 | 6 |
| Drivers With a DUI | Progressive | 1 | 2 | 2 |
| Drivers With a Speeding Ticket | Auto-Owners | 2 | 1 | 5 |
| Drivers With Bad Credit | Auto-Owners | 6 | 1 | 5 |
| Drivers With Low Income | Auto-Owners | 2 | 1 | 5 |
| Drivers With Newer Cars | Progressive | 2 | 2 | 2 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Utah Car Insurance Recommendations
Our general recommendations offer a starting point, but your unique profile might need different coverage options. Compare these five providers to find the best match for your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.45 | $335 | 1 | 5 |
| Farm Bureau | 4.37 | $299 | 3 | 7 |
| Kemper | 4.25 | $222 | 10 | 8 |
| Progressive | 4.23 | $393 | 2 | 2 |
| UAIC | 4.21 | $267 | 9 | 7 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Utah Car Insurance Reviews
Read our detailed service reviews below to explore how each top-rated company earned their ranking.
Auto-Owners
Best Customer Experience Overall in Utah
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Full Coverage Cost
$97For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$54For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
GEICO
Best Cheap Car Insurance in Utah
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$90For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$46For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Utah
Finding the right car insurance in Utah takes time, but our guide simplifies your search for the perfect coverage.
- 1
Decide on Coverage Needs Before You Buy
Decide what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Utah required minimums.
- 2
Research Average Costs and Discounts
Start by researching average car insurance costs in Utah. Look for ways to save like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also help you save.
- 3
Review Provider Reputation and Coverage Options
Find and look over customer feedback and review company coverage and add-on options.
- 4
Explore Alternative Coverage Options
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. If you need an SR-22 in Utah, research providers specializing in high-risk coverage.
- 6
Review Coverage Annually
Review your coverage each year and shop for new quotes to find the best deal.
Best Utah Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall in Utah, while GEICO and Progressive are also good options for drivers in the state.
Best Auto Insurance in Utah: FAQ
Finding the right car insurance depends on your unique needs, so we've gathered expert answers to help you choose coverage that fits your situation and budget.
What is the best car insurance company in Utah?
Auto-Owners Insurance leads Utah's car insurance market, with a MoneyGeek score of 4.74 out of 5 and an average monthly premium of $97 for full coverage.
What is the best car insurance company for minimum coverage in Utah?
GEICO leads for minimum coverage in Utah with an average rate of $549 per year.
What is the best car insurance in Utah for young drivers?
Auto-Owners provides the best insurance for young adults in Utah, combining competitive rates with excellent customer service and comprehensive coverage options.
What is the best car insurance for Utah drivers who value customer service?
Auto-Owners ranks highest for customer experience in Utah with a score of 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling satisfaction.
What is the best car insurance in Utah if you have driving offenses?
Auto-Owners offers the best rates for Utah drivers with a speeding ticket, charging $70 monthly for minimum coverage and $123 for full coverage policies.
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% of score): We look at quotes for different driver profiles and compare rates within Utah. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): 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% of score): 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. 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.