Cheapest Car Insurance in Utah

Compare the cheapest car insurance companies in Utah below based on your age and driving profile to get the lowest rate:

Cheapest by coverage type

• Full coverage: GEICO, $92
• Minimum coverage: GEICO, $47

Cheapest by driver age

• Teen drivers (16) minimum coverage: Auto-Owners, $253
• Teen drivers (16) full coverage: Auto-Owners, $422
• Young drivers (25) minimum coverage: GEICO, $47
• Young drivers (25) full coverage: GEICO, $92
• Seniors (65+) minimum coverage: GEICO, $71
• Seniors (65+) full coverage: GEICO, $127

Cheapest by driving record

• Clean record: GEICO, $47
• Speeding ticket: GEICO, $60
• At-fault accident: GEICO, $79
• DUI: Kemper, $75
• Bad credit: Kemper, $72

Rates refreshed: November 15, 2025

GEICO offers Utah's most affordable minimum coverage at $47 monthly ($564 yearly), saving drivers 24% below state averages. Auto-Owners follows at $52 monthly ($617 yearly), and Farm Bureau at $58 monthly ($692 yearly). Find the cheapest minimum coverage car insurance options below:

Utah's minimum coverage requires $25,000 in bodily injury liability per person, $50,000 per accident and $15,000 in property damage liability (25/50/15), plus $3,000 in personal injury protection (PIP). Utah's PIP requirement is notably low compared to other no-fault states.

See our guide to how much car insurance you need.

For the cheapest full coverage car insurance in Utah, GEICO leads at $92 monthly ($1,103 yearly), or 17% below state averages. Auto-Owners follows closely at $93 monthly ($1,106 yearly).

Minimum coverage is less expensive, but should Utah drivers get full coverage? Full coverage combines liability with comprehensive and collision coverage. Comprehensive covers your car for weather damage and theft. Collision covers your car in the case of an at-fault accident. 

Full coverage is still affordable if you comparison shop, and most drivers should add it unless they have a low-value car (under $3 to $5k).

Auto Owners and GEICO are the most affordable options across most major cities in Utah. The cheapest rates in Utah range from $30 for minimum coverage in Sandy to $36 in Salt Lake City. 

The cheapest full monthly coverage rates range from $67 in Logan to $91 in Salt Lake City. The cheapest provider will save you up to 40% versus the average rates in your city. Remote areas in Utah have lower rates, and Salt Lake City has higher rates due to traffic congestion and higher accident rates.

For 16-year-olds in Utah, Auto-Owners offers the most affordable minimum coverage at $253 monthly and full coverage at $422 monthly. Adding your teen to the family policy costs less than a standalone policy.

By age 25, rates drop significantly, with GEICO providing the cheapest coverage at $47 monthly for minimum and $92 monthly for full coverage.

GEICO has the cheapest car insurance for seniors across all ages, with minimum coverage ranging from $62 to $74 monthly and full coverage ranging from $127 to $133 monthly.  Senior drivers can further lower rates by adding senior discounts, taking a defensive driving class and lowering mileage estimates.

Finding affordable coverage after violations requires comparing multiple insurers since each company evaluates risk factors very differently. Here are the cheapest high-risk drivers rates: 

• DUI: Kemper ($75 monthly for minimum coverage), Progressive ($87)
• Speeding: GEICO ($60 monthly for minimum coverage), Auto-Owners ($69)
• At-Fault Accident: GEICO ($79 monthly for minimum coverage), Auto-Owners ($90)
• Bad Credit: Kemper ($72 monthly for minimum coverage), Farm Bureau ($83)

Drivers requiring SR-22 filing should consult our guide to the cheapest SR-22 coverage in Utah.

For Utah drivers with a DUI, Kemper offers the most affordable rates at $75 monthly for minimum coverage and $162 for full coverage. Progressive provides another low-cost option at $87 monthly for minimum coverage and $131 for full coverage.  Drivers should expect to pay about two times higher rates in Utah, but getting cheap rates with a DUI is possible.

For Utah drivers with accidents, GEICO offers the most affordable rates at $79 monthly for minimum coverage and $157 for full coverage. Auto-Owners ($90) and Kemper ($96) provide budget-friendly alternatives. At-fault accidents in Utah increase rates by 25% to 50% compared to drivers with clean records.

Utah tracks violations over 24 months, so an accident stops affecting your point accumulation after two years, but you should expect an accident to impact your insurance rates for three years. The most noticeable rate decreases happen after three years of clean driving.  After an accident affects your current policy rates, it is a good time to comparison shop to try to lower your rates.

After a speeding ticket in Utah, GEICO provides the most affordable minimum coverage at $60 monthly and full coverage at $122 monthly. Auto-Owners offers the next cheapest full coverage at $120 monthly. Rates increase by 15% to 50% compared to a clean record depending on the severity of the violation, but you can take steps to lower your rate after a ticket.

Utah speeding violations add points to your driving record, with higher speeds resulting in more points. Many insurers provide accident forgiveness programs that extend to minor speeding infractions, protecting your rates after a first offense. Consider completing a defensive driving course to remove points from your record and lower insurance premiums.

For Utah drivers with poor credit, Kemper offers the most affordable rates at $72 monthly for minimum coverage and $178 for full coverage. Farm Bureau and GEICO follow as budget-friendly alternatives. Utah permits credit-based insurance scoring, so poor credit can significantly increase your premiums compared to drivers with excellent credit, but Kemper and Farm Bureau offer outstanding rates.

Utah drivers face unique challenges with severe winter storms, frequent hailstorms and heavy traffic in growing metro areas. Your specific location and driving patterns impact rates. Utah drivers secure affordable coverage by comparing quotes and understanding these local risk factors.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Utah.

We gathered auto insurance data from the Utah Insurance Department and analyzed quotes from major insurers across all residential ZIP codes in Utah. Our analysis included millions of rate comparisons in Utah to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.