The Best Car Insurance in Utah for 2022
The best car insurance companies in Utah offer a balance of quality coverage at affordable rates. In Utah, GEICO offers the best value for drivers ranking first among insurers in the state for affordability and second for customer satisfaction.
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For the average driver in Utah, MoneyGeek found that GEICO is the best insurer. However, depending on your needs and specific profile, the best for you might be different. MoneyGeek broke down the best options for those focused on customer service, the best for drivers on a budget and more.
MoneyGeek also analyzed the cheapest car insurance companies in Utah to help drivers who are looking for affordable options regardless of service quality.
The Best Car Insurance in Utah
Best Car Insurance Companies in Utah: Overall
MoneyGeek used average rates, claims ratings and user satisfaction scores to rank insurers in Utah and find the best auto insurers companies in the state.
The top car insurance companies in Utah are:
- GEICO: MoneyGeek score of 4.3 out of 5
- Allstate: MoneyGeek score of 3.4 out of 5
USAA was not included in this ranking but it received a MoneyGeek score of 5 out of 5. This makes USAA the best car insurance company in Utah for current and former members of the military.
The Top 5 Car Insurance Companies in Utah
At an average cost 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 in the Mechanical Breakdown Insurance add-on.
Utah drivers with new or leased cars with less than 15,000 miles can opt for Mechanical Breakdown under their GEICO policy. This coverage includes all car parts and systems, not just those covered by dealer warranties. Another add-on is Accident Forgiveness, which drivers can earn or purchase to ensure premiums do not increase after their first at-fault accident.Read MoneyGeek's GEICO auto Insurance Review
Allstate ties first for claims and second for customer satisfaction car insurers in Utah. 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.
If you have a customized car, you’ll benefit from the optional coverage offered by Allstate that insures custom equipment such as bars, height-extending roofs, custom murals and more. You can also opt for portable electronics and media coverage, so you’ll get reimbursed if you lose media devices related to your audio system, such as compact discs.Read MoneyGeek's Allstate auto Insurance Review
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 with a wide range of coverages, including original equipment manufacturer (OEM) coverage.
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.Read MoneyGeek's Farmers auto Insurance Review
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.
State Farm offers drivers in Utah optional rideshare insurance. This coverage makes sure that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy remains in effect when you’re working for a ridesharing company. Another add-on option is rental car or travel reimbursement to cover related expenses incurred while your vehicle is in the shop for repairs.Read MoneyGeek's State Farm auto Insurance Review
Nationwide ranks second for affordability in Utah at $991 yearly. This provider ties in second for claims ratings and third for customer satisfaction. Nationwide policyholders can get protection such as identity theft coverage, a somewhat rare option.
Nationwide offers drivers in Utah optional identity theft coverage to pay for expenses up to $25,000 in case of identity theft or fraud. 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 vanishing deductible coverage which lowers your deductible by $100 for every year of safe driving.Read MoneyGeek's Nationwide auto Insurance Review
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:
Compare the Best Insurance Options in Utah
The best car insurance companies in Utah will depend on the rates, quality of customer service and the financial stability of a particular provider. However, it is also essential to find an insurer who offers coverages that meet your specific needs.
MoneyGeek in-depth reviews will allow you to compare the best companies in Utah for different backgrounds and profiles.
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Best Car Insurance in Utah for Customer Service
MoneyGeek ranked the best auto insurance companies in Utah for customer service by considering claims ratings and user satisfaction, ignoring rates. This ranking identified the best providers when cost is not a factor.
The best insurers in Utah for customer service are:
- State Farm: MoneyGeek score of 4.6 out of 5
- Liberty Mutual: MoneyGeek score of 4.2 out of 5
The Top 2 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 claims ratings. Although this provider ranks low on affordability, policyholders get quality service and unique coverages such as rideshare insurance.
State Farm offers emergency roadside service as an add-on. This coverage pays for mechanical labor, towing, tire change, and delivery of gas, oil, battery, excluding the cost of the items.Read MoneyGeek's State Farm auto Insurance Review
Liberty Mutual ranks first in Utah for claims 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.
You can opt for better car replacement coverage as an add-on. This coverage pays for a replacement vehicle of a one year newer model with 15,000 fewer miles if your car is totaled. Another add-on is original equipment manufacturer (OEM) coverage which ensures that your vehicle is repaired with original manufacturer or comparable parts that meet the highest quality standard.Read MoneyGeek's Liberty Mutual auto Insurance Review
Best Car Insurance in Utah for Drivers on a Budget
MoneyGeek ranked insurance companies in Utah based on the best rates for a minimum coverage policy. This ranking was based on providers who offer the best balance of affordability and customer service for the minimum car insurance required by Utah state law.
The best car insurance companies in Utah for a minimum coverage policy in Utah are:
- GEICO: MoneyGeek score of 4.3 out of 5
- State Farm: MoneyGeek score of 3.8 out of 5
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 claims rating of 4 out of 5.
No discount for paying in full.
No discount for paperless billing.
GEICO policyholders who remain accident-free for five years can earn discounts on their car insurance policy premiums. This provider gives discounts for insuring multiple cars too. You can also choose to 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 qualify for discounts as well.
Best Car Insurance in Utah for Poor Driving Records
To find the best auto insurance companies in Utah for drivers with a poor record, MoneyGeek ranked providers based on the cost of car insurance for those with an at-fault accident on their record and the quality of their customer service.
The best insurers for drivers with a bad driving record in Utah are:
- GEICO: MoneyGeek score of 4.2 out of 5
- State Farm: MoneyGeek score of 4.1 out of 5
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 for drivers with poor records in Utah at an average cost of $1,157 per year. GEICO is also among the top auto insurance companies in Utah for customer satisfaction with a MoneyGeek score of 4 out of 5.
You can earn or pay for accident forgiveness if you opt for this car insurance policy add-on. The coverage ensures that your premiums will not increase in the event you cause an accident. You can also choose to purchase roadside assistance coverage which pays for the cost of flat tires, towing, jump starts and lockout services.
Best Car Insurance in Utah for a Military Background
USAA ranks as the best car insurance company in Utah with a MoneyGeek score of 5 out of 5. Compared to widely available insurers in Utah, USAA comes first in terms of customer satisfaction, claims ratings and affordability. 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 also 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 and discounts offered by USAA include:
- Accident forgiveness so your premiums do not increase after your first at-fault accident.
- Loyalty discount for sticking with USAA for a designated time.
- Discount on your comprehensive insurance premium when you store your vehicle on a base.
Best Car Insurance in Utah for Young Drivers and Students
MoneyGeek identified the best car insurers in Utah for young drivers by ranking providers based on the cost of car insurance for young drivers and on customer satisfaction ratings. This ranking was based on a balance of affordability and customer satisfaction.
- GEICO: MoneyGeek score of 4.4 out of 5
- Allstate: MoneyGeek score of 3.6 out of 5
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 claims rating scores of 4 out of 5.
No distant student discount.
Insurance for students and young drivers is costly but GEICO offers young drivers in Utah affordable rates and quality service. Student drivers need an insurer with good customer service since they are typically at a higher risk for accidents.
For student drivers in Utah, discounts such as the good student discount offered by GEICO for those with good academic records mean lower premiums. Young drivers who complete a driver’s education course will also get a discount on their GEICO car insurance policy.
Best Car Insurance in Utah for Those With New Cars
MoneyGeek ranked the best car insurers in Utah for those with new cars on the basis of customer satisfaction ratings and availability of new car replacement 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. A better car replacement coverage will reimburse you with a more recent car model if your car gets totaled.
Allstate is the best insurer in Utah offering new car replacement coverage. However, this is an add-on coverage, so you will need to pay an additional fee to get it.
MoneyGeek’s Pick: Allstate
Offers new car replacement coverage.
MoneyGeek customer satisfaction and claims rating scores 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 cars since the value of your car starts to depreciate as soon as you drive it off the lot.
New car replacement coverage ensures that if your new car is totaled, it will be replaced with a new model, not just the depreciated value of your car. However, you can only get this coverage if your car is less than two model years old.
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. SmartMiles includes a base rate and a variable rate depending on how many miles you drive. This program has an exception for road trips in which only the first 250 miles count in a single day. With SmartMiles, you can also earn a discount of up to 10% if you have a safe driving record.
How to Find the Best Car Insurance in Utah in 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 specific set of coverages, costs and other features that you are looking for. You can get more information about car insurance in Utah in the answers to frequently asked questions.
MoneyGeek collected data on car insurance costs in Utah in collaboration with Quadrant Information Services. The costs in this study are for the driver and policy described in our methodology page unless noted otherwise.
MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength based on industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or their quote tools.
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