The Best Car Insurance in Utah for 2022
Using MoneyGeek’s scoring system, we found the best car insurance companies in Utah that offer quality coverage at affordable rates. In Utah, GEICO provides the best value for drivers ranking first among insurers in the state for affordability, first for financial stability and second for customer satisfaction. Other companies, like State Farm, Allstate and Nationwide, may be better options for specific drivers.
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The Best Car Insurance in Utah
MoneyGeek also analyzed the cheapest car insurance companies in Utah to help drivers looking for affordable options regardless of the customer service experience.
Why Trust MoneyGeek? Our scoring system for car insurance in Utah incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Utah: Overall
MoneyGeek’s analysis shows GEICO is the top car insurance company in Utah.
We used average rates, claim ratings and user satisfaction scores to rank insurers in Utah to find the best auto insurers companies in the state. The highest-performing providers are:
- GEICO: MoneyGeek score of 87 out of 100 ($677 per year)
- Allstate: MoneyGeek score of 69 out of 100 ($1,111 per year)
Although USAA received a perfect rating, it was not included in this ranking due to its exclusive availability to current and former military members. MoneyGeek also found the cheapest full coverage car insurance in Utah for those with savings as their top priority.
THE TOP CAR INSURANCE COMPANIES IN UTAH
At an average of $677 yearly, GEICO offers the most affordable car insurance policy in Utah. This provider also ranks first in financial stability and second for customer satisfaction. Policyholders also get unique coverage benefits with the Mechanical Breakdown Insurance (MBI) add-on.
Average Annual Cost: $677
Utah drivers with new or leased cars less than 15 months old and with less than 15,000 miles can opt for Mechanical Breakdown Insurance (MBI) under their GEICO policy. This coverage includes all car parts and systems, not just those covered by dealer warranties. MBI is rare, so finding another company that offers this coverage might be difficult. While it’s widely applicable, it’s an add-on coverage — meaning it’s not automatically included in your policy. You will have to request it at an additional fee. Another coverage that you can add to your GEICO policy is accident forgiveness. With this coverage, drivers’ premiums do not increase after their first at-fault accident. Policyholders can purchase it or, if over 21 years of age, earn it due to a five-year clean driving record.
In Utah, Allstate ties first for claims and second for customer satisfaction. However, at an average cost of $1,111 per year, Allstate ranks low in affordability, coming in fourth out of seven insurers. Allstate offers drivers in Utah unique coverage, such as custom parts insurance as an add-on.
Average Annual Cost: $1,111
Allstate provides two coverages that are not usually seen among other companies: custom parts coverage and portable electronics and media coverage. These coverages can be added on top of your existing Allstate policy. You’ll benefit from custom parts coverage if you have a customized car. It covers custom equipment such as bars, height-extending roofs, custom murals and more. It financially assists you when you lose customized equipment in your vehicle due to a comprehensive-type loss. You can also opt for portable electronics and media coverage to protect your car's music equipment, such as tapes and compact discs. You can be reimbursed for media devices related to your audio system as long as they are in your insured car. However, it can only be effective when you have comprehensive coverage.
A Farmers full coverage policy costs an average of $1,091 per year. This insurer ties first for claims and second for customer satisfaction. It provides policyholders a wide range of coverage, including original equipment manufacturer (OEM).
Average Annual Cost: $1,091
Farmers is one of the few insurers in Utah offering OEM insurance as an add-on. This covers the cost of using factory-original parts in covered repairs in cars up to 10 years old. You can also opt for glass deductible modification coverage to reduce the comprehensive deductible to $100 when the loss is restricted to glass.
State Farm has the highest customer satisfaction rating among Utah car insurers and ranks first for financial stability. A State Farm policy costs an average of $1,299 yearly, making it one of the more costly options, with the tradeoff being their quality customer support.
Average Annual Cost: $1,299
State Farm offers Utah drivers optional rideshare insurance. This coverage ensures that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy remain effective when you’re working for a rideshare company. Another add-on option is a rental car or travel reimbursement to cover related expenses incurred while your vehicle is in the shop for repairs.
Nationwide ranks second for affordability in Utah at $991 yearly. This provider ties for second for claim ratings and third for customer satisfaction. Nationwide policyholders can get identity theft coverage, a somewhat rare option.
Average Annual Cost: $991
Nationwide offers drivers in Utah optional identity theft coverage to pay for expenses up to $25,000 in case of identity theft or fraud, with the option to increase this coverage to $100,000. Another add-on is the total loss deductible waiver which pays the deductible for your comprehensive or collision insurance if your car is declared a total loss after an accident. You can also opt to purchase a vanishing deductible, a coverage that lowers your deductible by $100 for every year of safe driving.
MoneyGeek collected full coverage policy quotes for a sample driver to determine the best full coverage policies in Utah. Depending on your profile, the average rates in Utah can differ greatly. The claims ratings and user satisfaction data used in this study were obtained from J.D. Power and the National Association of Insurance Commissioners (NAIC). For more details on sample drivers, policy and assumptions, read our methodology.
MoneyGeek's Utah Car Insurance Resources:
Best Car Insurance in Utah for Customer Service
State Farm is the highest-scoring insurer in Utah based on customer service.
MoneyGeek ranked the best auto insurance companies in the state for customer service by considering claim ratings and user satisfaction. This ranking identified the best providers when the price was not a factor.
The best insurers in Utah for customer service are:
- State Farm: MoneyGeek score of 91 out of 100
- Liberty Mutual: MoneyGeek score of 85 out of 100
THE TOP TWO CAR INSURANCE COMPANIES IN UTAH FOR SERVICE QUALITY
State Farm ranks among the top insurers in Utah for customer satisfaction and ties in second place for claim ratings. This provider ranks low on affordability. However, policyholders get quality service and unique coverages like rideshare insurance.
State Farm only offers a few add-on coverages, namely roadside assistance, rental car or travel reimbursement and rideshare insurance. Out of these coverages, rideshare insurance is the most uncommon, which means other companies rarely offer it. If you purchase rideshare insurance to add to your State Farm policy, you can be protected while working for a rideshare company. Through rideshare insurance, your medical care, emergency roadside assistance and rental car reimbursement coverage are all in effect when you’re at work. Your deductible will also apply in case anything happens. As long as your ridesharing app is active, your car insurance policy is also active. This means that everything — except for your liability insurance — applies while driving passengers to their destinations.
Liberty Mutual ranks first in Utah for claim ratings and ties second for customer satisfaction. This insurer offers quality service and is one of the few auto insurers in Utah offering better car replacement coverage.
Liberty Mutual allows car insurance policyholders to add better car replacement. This coverage adds an extra guarantee for car owners in case of an accident as it reimburses drivers with the value of their totaled car. It pays for a replacement vehicle of a one-year newer model with 15,000 fewer miles than your vehicle if its totaled. A 2015 car model with 20,000 miles can replace a totaled car with the model year of 2014 and 35,000 miles. With this replacement, drivers can get back on the road as soon as possible, saving them the time, effort and expenses of looking for a new car. Policyholders need comprehensive coverage for the better car replacement coverage to apply. Your comprehensive deductible will also be in effect. Leased vehicles are not eligible for this coverage.
Best Car Insurance in Utah for Minimum Coverage
In Utah, MoneyGeek’s pick for drivers on a budget is GEICO.
The MoneyGeek team ranked the state’s insurance providers based on the best rates for a minimum coverage policy in Utah. With this, the top car insurance companies for those looking for minimum coverage policies are:
- GEICO: MoneyGeek score of 86 out of 100 ($393 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($748 per year)
This ranking covered providers who offered the best balance of affordability and customer service for state minimum policies in Utah. You can also look for the cheapest minimum coverage car insurance in Utah to save more money on your policy.
MoneyGeek’s Pick: GEICO
An affordable minimum coverage policy at $393 yearly.
Bundling and multiple car discounts.
Safe driving discount.
Anti-theft system discount.
MoneyGeek customer satisfaction rating of 4 out of 5.
MoneyGeek claim rating of 4 out of 5.
No discount for paying in full.
No discount for paperless billing.
GEICO policyholders can get bundling, multiple car and safe driving discounts. Taking advantage of these discounts can help you save money on your policy, especially if you keep them up in the long run. You need to remain accident-free for five years to get the safe driving discount. Insuring different cars with GEICO earns you a multiple car discount. You can also bundle your policy with home, renters, condo or mobile home insurance to get a discount.
Retired or active federal employees in Utah can take advantage of the federal employee discount offered by GEICO. If you have anti-lock brakes, an anti-theft system or daytime running lights, you also qualify for discounts. Other companies don’t usually offer these discounts.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Utah for Young Drivers and Students
Young drivers and students in Utah looking for car insurance can find the best offers from GEICO.
MoneyGeek identified the top car insurers in Utah for young drivers by ranking providers based on the cost of car insurance for drivers in their late teens or early 20s — in high school or college — and on customer satisfaction ratings. This ranking was based on a balance of affordability and customer satisfaction.
- GEICO: MoneyGeek score of 88 out of 100 ($1,892 per year)
- Allstate: MoneyGeek score of 71 out of 100 ($2,933 per year)
If you’re looking for a company that can give you the most savings, MoneyGeek also analyzed data to find the cheapest car insurance for young drivers and students in Utah.
MoneyGeek’s Pick: GEICO
Affordable policy for young drivers at $1,892 yearly.
Discount for completing a driver's education course.
Discount for completing a defensive driving course.
Good student discount for those with a good academic record.
Customer satisfaction and claim ratings of 4 out of 5.
No distant student discount.
Insurance for students and young drivers is costly, but GEICO offers young drivers affordable rates and quality service in Utah. Student drivers need an insurer with good customer service since they are typically at a higher risk for accidents.
Student drivers in Utah can get a discount on their premiums for driver’s education and being a good student. Young drivers or student drivers can pay a lower rate for their premiums if they take a driver’s education course. Additionally, GEICO gives discounts to full-time students who ace their academic records.
Even though it can be expensive to insure young drivers, GEICO gives a lot of opportunities for policyholders to save money on their premiums. By taking advantage of these discounts, students or young drivers don’t have to worry about their budget.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Utah for Seniors
MoneyGeek ranked several insurance companies in Utah based on their car insurance rates for seniors and customer service records. Based on MoneyGeek’s scoring system, the following offer the best car insurance for seniors in Utah:
- GEICO: MoneyGeek score of 88 out of 100 ($918 per year)
- State Farm: MoneyGeek score of 77 out of 100 ($1,278 per year)
In calculating these scores, MoneyGeek considered both affordability and customer service. If you’re looking for the least expensive policy to protect your vehicle, we also found the cheapest car insurance for seniors in Utah.
MoneyGeek’s Pick: GEICO
One of the most affordable companies for seniors at $918 per year.
Offers roadside assistance and accident forgiveness coverages.
Gives senior driver and defensive driving discounts.
Received MoneyGeek scores of 4 out of 5 for both claims and user satisfaction.
No discount when you pay in full.
No discount when you go paperless for your policy.
Car insurance tends to be more expensive for seniors, but GEICO makes it more accessible for senior drivers by offering cheaper rates and quality service. This company has several coverages and senior-related discounts to help make their premiums more affordable. These are highly advantageous for seniors as they keep them safe on the road while making their premiums cheaper.
Seniors can receive discounts by bundling their car insurance policy with home, condo, mobile home or renters insurance policies. They can also get discounts by insuring multiple cars and staying accident-free for five years.
GEICO also has senior-related discounts, specifically senior driver and defensive driving discounts. The senior driver discount is available for policyholders over 50 years old. Seniors can pay less for their premium if they complete a defensive driving course.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Utah for Bad Driving Records
Based on MoneyGeek’s research, GEICO is the best car insurance provider for motorists in Utah with poor driving records.
To find the best auto insurers in the state for drivers with poor records, our team ranked providers based on the quality of customer service and the cost of car insurance for those with an at-fault accident on their record.
The best insurers for drivers with a bad driving record in Utah are:
- GEICO: MoneyGeek score of 85 out of 100 ($1,157 per year)
- State Farm: MoneyGeek score of 83 out of 100 ($1,558 per year)
Our analysis also found the cheapest car insurance for drivers with a DUI or bad record in Utah.
MoneyGeek’s Pick: GEICO
An affordable full coverage policy for poor drivers at $1,157 yearly.
Rental car reimbursement.
MoneyGeek affordability rating of 4.4 out of 5.
MoneyGeek customer satisfaction score of 4 out of 5.
No new car replacement discount.
No better car replacement discount.
GEICO offers the best balance of affordability and quality coverage, giving drivers with poor records in Utah the best policies. On average, car insurance from GEICO costs $1,157 per year. GEICO is also among Utah's top auto insurance companies for claims and customer satisfaction, with a MoneyGeek score of 4 out of 5.
Drivers can add the following coverages to their GEICO car insurance policy: Roadside Assistance: This coverage pays for the expenses for urgent roadside concerns, such as flat tires, towing, jump-starts and lockout services. Rental Car Reimbursement: GEICO can give you a certain amount to pay for your rental car in case you are unable to drive your car because of a covered accident. Accident Forgiveness: It ensures your at-fault first accident doesn't cause your premiums to increase. Subsequent accidents may be subject to upcharges.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Utah for a Military Background
USAA ranks as the best car insurance company in Utah with a MoneyGeek score of 100 out of 100. Compared to widely available insurers in Utah, USAA comes first in customer satisfaction, affordability and claim ratings. However, only current and former members of the military and their families are eligible to apply for a USAA policy.
MoneyGeek’s Pick: USAA
Affordable full coverage policy at $644 yearly.
Rideshare gap coverage for drivers who use rideshare apps.
Get a mileage discount based on how much you drive in a year.
Only available to current military personnel, veterans and their families.
USAA has the best customer satisfaction ratings and is the most affordable car insurance company in Utah. USAA has maintained a stellar reputation across the country for quality service and robust coverage for its policyholders.
Some of the coverages offered by USAA include:
- Accident Forgiveness: Policyholders can save money by preventing the increase in their premiums in case of their first at-fault accident.
- Roadside Assistance: If you need to unlock your vehicle, jump-start your battery, change a flat tire, have gasoline delivered or call for towing services, this coverage can pay for the expenses.
To help you save money on your policy, USAA offers the following discounts:
- Loyalty Discount: Get it for sticking with USAA for a designated time.
- Vehicle Storage: This applies to your comprehensive insurance premium when you store your vehicle on a base.
Best Car Insurance in Utah for Those With New Cars
MoneyGeek ranked the best car insurers in Utah for folks with new cars and found Allstate is the leading company in this category.
Our team evaluated providers based on customer satisfaction ratings and availability of new or better car replacement coverages.
New car replacement allows policyholders with newer cars to get reimbursed for the value of a brand-new car model, not just the depreciated value. Better car replacement coverage will reimburse drivers for a more recent car model if their car is totaled.
However, remember that replacement coverage is an add-on endorsement, and policyholders will pay an additional fee.
MoneyGeek’s Pick: Allstate
Offers new car replacement coverage.
MoneyGeek customer satisfaction and claim ratings of 4 out of 5.
Relatively expensive at $1,111 per year.
Does not offer better car replacement coverage.
Allstate is an ideal option for drivers in Utah with new cars because it offers new car replacement coverage. This is an important protection for drivers with new vehicles since the value of your car starts to depreciate as soon as you drive it off the lot. It also helps you purchase a new car if your existing car is totaled.
New car replacement coverage ensures that if your new car is totaled, it will be replaced with a new model. However, you can only get this coverage if your vehicle is less than two model years old. Even then, the best thing about this coverage is that it does not rely on the depreciated value of your car when it needs a replacement.Read MoneyGeek's Allstate Auto Insurance Review
Best Car Insurance in Utah for Low-Mileage Drivers
Pay-per-mile is an auto insurance program where drivers pay premiums based on how many miles they drive. In Utah, Nationwide SmartMiles is the best pay-per-mile program. With it, you pay a base rate plus a variable rate depending on how many miles you drive. If you choose to go for low-mileage discounts, MoneyGeek summarized the most affordable low-mileage options.
MoneyGeek’s Pick: Nationwide
Affordable rates for car owners who drive very little.
For those who drive regularly, it is likely to be more expensive than traditional car insurance.
MoneyGeek customer satisfaction ratings of 3.5 out of 5.
Nationwide offers a pay-per-mile program in Utah referred to as SmartMiles. Based on the number of miles you drive, SmartMiles has a base rate and a variable rate, which is the cost per mile. The variable rate causes the amount you pay every month to change according to how many miles you’ve traveled.
Roadtrips are not included in this program. If any, it only counts the first 250 miles of the day. Drivers can also receive a discount of up to 10% if they maintain a safe driving record. Therefore, SmartMiles not only incentivizes low-mileage drivers to save on their car insurance but also to drive safely.Read MoneyGeek's Nationwide Auto Insurance Review
How to Find the Best Car Insurance in Utah For You
If you are looking for the best car insurance in Utah, it is important to balance cost, service reputation and financial stability. MoneyGeek has collected this information for you, but you can also compare and analyze different providers to find the best option.
Research customer service reputations in Utah
MoneyGeek obtained and compared customer satisfaction ratings for auto insurance companies in Utah, but you can also check J.D. Power satisfaction scores and NAIC complaint ratios for the insurers you want to research. For more helpful information, visit the Utah Insurance Department.
Compare quotes for yourself
MoneyGeek’s quotes are averages for sample drivers in most parts of Utah but not everywhere. It is important to compare quotes from at least three insurers to get an accurate indicator of car insurance costs for your particular profile.
Make sure the company has coverages you want in Utah
Not all coverages advertised by an insurer are available across all states. Some coverages and discounts are restricted to certain states, so it is crucial to ensure that the coverages you need are available in your particular state.
Double-check financial stability ratings
You should check the financial stability ratings of an insurer when choosing your car insurance provider. Large insurance companies are typically financially stronger, while regional insurance companies in Utah may have lower financial stability ratings. A higher financial stability ranking means claims are more likely to be paid, and more services are offered.
FAQs About the Best Car Insurance in Utah
The best car insurance for you will depend on the cost, service quality preference (if any) and other desired features in the form of add-ons. You can get more information about Utah’s car insurance through MoneyGeek’s answers to some frequently asked questions.
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