Updated: May 20, 2024
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The best car insurance in Utah varies by individual needs. Auto-Owners tops the MoneyGeek score overall. It is also best for those seeking minimum coverage and families with teen drivers.
MoneyGeek also analyzed the cheapest car insurance in Utah if cost is your primary consideration, regardless of service quality.
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Why Trust MoneyGeek? We created an insurance scoring system for providers in Utah based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Utah.
Auto-Owners ranks as the premier car insurance provider in Utah, boasting a MoneyGeek score of 93 out of 100. Provider scores range from 64 to 93, illustrating the variability among competitors. This spectrum reflects MoneyGeek's baseline scoring system, indicating a diverse performance across insurers and is dependent on driver profiles.
How does MoneyGeek score companies?
MoneyGeek scores highlight the importance of customer satisfaction and affordability while also giving considerable weight to claims experience and offered coverages. These metrics indicate an insurer's overall performance, guiding consumers to make informed decisions about their insurance needs.
Companies such as Iowa Farm Bureau and Farmers Union Insurance stand out in specific areas but didn't qualify for a MoneyGeek score due to incomplete data across all five scoring components. Nevertheless, Iowa Farm Bureau demonstrates excellence in customer satisfaction. Prospective policyholders should note these competencies, even though these insurers are not characterized as top options.
| Auto-Owners Insurance Co | MoneyGeek Score (/100)93 | Annual Premium$787 |
| American Family | MoneyGeek Score (/100)88 | Annual Premium$880 |
| Nationwide | MoneyGeek Score (/100)85 | Annual Premium$725 |
| Progressive | MoneyGeek Score (/100)80 | Annual Premium$1,019 |
| GEICO | MoneyGeek Score (/100)79 | Annual Premium$929 |
| Farmers | MoneyGeek Score (/100)74 | Annual Premium$1,286 |
| Allstate | MoneyGeek Score (/100)73 | Annual Premium$1,230 |
| State Farm | MoneyGeek Score (/100)67 | Annual Premium$1,984 |
| Kemper | MoneyGeek Score (/100)64 | Annual Premium$1,759 |
| Iowa Farm Bureau | MoneyGeek Score (/100)No Data | Annual Premium$1,227 |
| Farmers Union Insurance | MoneyGeek Score (/100)No Data | Annual Premium$860 |
MoneyGeek found that Auto-Owners is the best option in Utah for the best full coverage car insurance.
Auto-Owners distinguishes itself with exceptional claims handling and strong coverage options, factors that are significant contributors to its high MoneyGeek score. The company's superior service and competitive pricing make it as a standout choice.
In Utah, various companies offer distinct cost structures and service experiences. If your priority is economizing without compromising on quality, MoneyGeek has also analyzed cheap full coverage car insurance in Utah.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with an average annual premium of $787 for full coverage.
Offers rare coverages like diminished value and accident forgiveness.
Ranks No. 2 for key coverages.
Doesn't excel in claims satisfaction.
Auto-Owners shines in claims handling and satisfaction, contributing significantly to its robust MoneyGeek score. It’s fully equipped with the most common car insurance coverages: roadside assistance and rental car and/or travel reimbursement. This insurer is a solid choice, with coverages such as diminished value coverage, gap insurance and accident forgiveness.
Auto-Owners offers a coverage package designed to streamline protection needs, featuring elements like deductible modification, which forgives the collision deductible should an accident occur with an animal. Accident forgiveness ensures premiums won’t surge after an at-fault accident, maintaining budget predictability. With gap insurance, customers are guarded against the financial pitfall of their vehicle's value depreciating faster than loan repayment — a safety net that’s particularly beneficial for new car owners.
Scoring highly with a satisfaction score of 30 (out of 35) and an affordability score of 29 (out of 30), Auto-Owners demonstrates standout performance. With a strong coverage score of 9 (out of 10), it reiterates its commitment to providing extensive options for consumers.
MoneyGeek found that Auto-Owners is the best option in Utah for stellar car insurance customer service.
Auto-Owners stands out for its exceptional customer service, scoring high in customer satisfaction and claims handling. These factors influence the ease and efficiency with which customers can manage their policies and navigate the claims process. Moreover, Auto-Owners provides great service at a more affordable cost than its closest competition, American Family.
In Utah, consumers can find a variety of car insurance companies offering different levels of customer satisfaction and claims experiences. Good customer service and efficient claims handling is important for an insurance company as it ensures policyholders a pleasant and supportive experience, particularly during stressful incidents that may lead to claims. This focus on customer experience helps build trust and retain customers in the competitive insurance market.
Offers rare coverages like diminished value coverage.
Provides common coverages like accident forgiveness.
Ranks No. 2 for key coverages.
Ranks No. 5 in customer satisfaction.
Auto-Owners excels in satisfaction and claims handling, significantly contributing to its high overall MoneyGeek score of 91 out of 100. The company offers the two most common car insurance coverages, roadside assistance and rental car and/or travel reimbursement, which is a positive. Furthermore, it provides gap insurance and accident forgiveness, other common coverages that offer valuable protection to drivers.
Diminished value coverage is an exceptional offering from Auto-Owners, useful in protecting a car's value after an accident. This rare coverage ensures that should an accident occur, the potential loss in resale value won't be a financial burden. Its Personal Automobile Plus Package bundles several protections into one convenient coverage, simplifying policy management. Moreover, the deductible modification feature is another practical option to reduce out-of-pocket costs in specific scenarios. These offerings, combined with the company's impressive satisfaction score of 39 (out of 45) and claims handling score of 30 (out of 30), highlight the insurer's commitment to customer satisfaction and robust policy features.
MoneyGeek found that Auto-Owners is the best option in Utah for minimum coverage car insurance. The two top providers are:
Auto-Owners stands out due to its high affordability and top-notch claims handling, which contribute greatly to its nearly unbeatable MoneyGeek score. It offers the winning combination of great service and low cost, with an annual premium of just $438 for the minimum insurance required by law in Utah.
Although many insurers in Utah provide inexpensive options for the required minimum coverage, such bare-bones policies can leave drivers vulnerable to substantial out-of-pocket expenses in the event of an accident. It's important to weigh the long-term risks and potential costs arising from opting for minimum coverage against the immediate savings offered.
Offers reasonably common and rare discounts such as gap insurance and diminished value coverage.
Ranks No. 1 for claims handling.
Ranks No. 2 for key coverages.
Ranks No. 3 for affordability, with an average annual premium of $438 for minimum coverage.
Does not excel in customer satisfaction, ranking No. 5.
Auto-Owners leads with exceptional marks in affordability and claims handling, making it a top choice for consumers seeking comprehensive coverage. With an average annual premium of just $438, drivers can enjoy significant savings without compromising on quality. Auto-Owners is renowned for its breadth of discounts, which is indicative of the company's commitment to meeting diverse customer needs. However, its prowess doesn't stop at affordability alone; its satisfaction (13 out of 25), coverage (8.75 out of 10) and stability (5 out of 5) scores further solidify its reputation as a robust and reliable insurer, embodying all the qualities of a high-performing company as reflected in its impressive MoneyGeek score of 85 out of 100.
MoneyGeek found that Auto-Owners is the top car insurance option in Utah for drivers across various age groups. With age being a significant factor in insurance rates, Auto-Owners stands out for its affordability and comprehensive coverages suitable for teens, young adults and seniors. It clinched the highest scores for teens, with a MoneyGeek rating of 98 out of 100. It scored 91 and 92 for the young adult and senior brackets, respectively. Its annual premiums are $1,698 for teens, $1,098 for young adults and $788 for seniors. These attributes make Auto-Owners a distinguished choice for quality car insurance in Utah's diverse age demographics.
Best for Teens: Auto-Owners
Best for Seniors: Auto-Owners
Best for Young Adults: Auto-Owners
MoneyGeek found that Auto-Owners is the best option in Utah for car insurance for teens.
Auto-Owners distinguishes itself with the highest scores in claims handling and a strong satisfaction rating, significantly contributing to its near-perfect MoneyGeek score. For families seeking cheap car insurance for a teen in Utah, Auto-Owners offers a notable balance between cost and quality service at $1,698 annually for a teen policy. Including a teen in a family policy is generally more economical than purchasing an individual policy for them.
Adding a teen to a car insurance policy in Utah and most states can lead to higher premiums due to the increased risk associated with younger, less experienced drivers. Insurers account for the potential for more frequent and costly claims when setting rates for policies that include teen drivers.
Offers good student and distant student discounts.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with an average annual premium of $1,698 for full coverage.
Ranks No. 3 for customer satisfaction.
Missing driver's education discount.
Auto-Owners achieves an outstanding MoneyGeek Score of 98 out of 100, largely owing to its exemplary satisfaction (34 out of 35) and claims handling performance (20 out of 20). Although the company doesn't offer driver's education discount, it provides other discounts for young drivers, such as good student and distant driver. Its stellar scores in affordability, satisfaction and other categories sufficiently make up for any missing coverages and discounts, ensuring an attractive option for a broad range of customers.
Auto-Owners provides a suite of valuable coverages that enhance the driving experience and security for car owners. Among them, diminished value coverage addresses situations where a vehicle's market value drops after an accident, ensuring customers are not left at a financial disadvantage. Its comprehensive coverage package is available, seamlessly consolidating several protections. This includes extending benefits such as waived collision deductibles in specific scenarios, a feature particularly useful for drivers seeking extra peace of mind in their insurance policy.
MoneyGeek found that Auto-Owners is the best option in Utah for seniors looking for top-notch car insurance coverage.
Auto-Owners distinguishes itself with an impressive balance of high satisfaction, affordability and claims handling scores, making it the best car insurance choice for seniors in the Beehive State. At $788 annually, you can secure a policy that reflects competitively priced car insurance for a senior in Utah. Although the rates for seniors are typically higher than those in younger age brackets, getting cheap car insurance for a senior is still attainable.
Car insurance premiums for seniors in Utah aren't always higher than for middle-aged individuals. MoneyGeek's evaluations are based on rates for seniors in their 60s. However, as drivers reach their 70s and 80s, they can expect the premiums to increase, aligning with the augmented risk factors typically associated with advancing age.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with a $788 average annual premium for full coverage.
Ranks No. 5 for customer satisfaction.
Auto-Owners secures a distinguished MoneyGeek score due to robust satisfaction and claims scores, which ensure comprehensive support and service. The company's average annual premium stands competitively at $788. However, it doesn't provide a senior discount, which could have offered additional savings to senior customers.
The absence of some coverages at Auto-Owners does not diminish its credentials. It excels with a satisfaction score of 30 (out of 35) and a claims score of 20 (out of 20), indicating that customers enjoy superior service and efficient claims handling. These aspects are crucial, especially for seniors who value reliability and ease of use in their insurance experience. A solid coverage score of 9 (out of 10) suggests customers still benefit from essential protections, ensuring a seamless insurance journey.
MoneyGeek found that Auto-Owners is the best option in Utah for car insurance for young adults.
Auto-Owners stands out for its top-notch customer satisfaction and claims handling, which are significant contributors to its impressive MoneyGeek score, particularly relevant for drivers in their 20s. Its annual premium of $1,098 for young adults' policies demonstrates that though you may find cheap car insurance for a young adult in Utah, it is typically priced above the average for older, more experienced drivers.
Car insurance for young adults is generally more expensive due to their lack of driving experience and higher statistical likelihood of being involved in accidents. Insurers perceive this group as higher risk, which is reflected in the premium rates in Utah and other states. However, MoneyGeek's research makes finding a policy that balances cost with the necessary coverage and service quality easier.
Ranks No. 1 for claims handling.
Ranks No. 2 for affordability, with an average annual premium of $1,098 for full coverage.
Offers good student and distant student discounts.
Does not excel in customer satisfaction.
Auto-Owners excels in satisfaction and claims handling, both crucial elements driving its high MoneyGeek score, making it a top choice for policyholders prioritizing exceptional service and dependable claims resolution. It offers specific discounts for young drivers like good student and distant student. However, it lacks driver's education discount. The company doesn't fall short when it comes to common coverages, providing rental car and/or travel reimbursement and roadside assistance, which are valuable for added peace of mind on the road.
With a comprehensive look at Auto-Owners' offerings, it's clear that the insurer shines with a satisfaction score of 30 (out of 35) and a claims handling score of 20 (out of 20). These scores reveal the company's commitment to customer happiness and reliability in managing claims smoothly. Affordability is also noteworthy, with a score of 28 (out of 30), ensuring competitive pricing for insurance policies. Despite any missing coverages and discounts, customers can rest assured that Auto-Owners will meet their fundamental needs.
MoneyGeek found that American Family is the best option in Utah for drivers with offenses on their record, offering an ideal mix of affordability and customer satisfaction.
American Family stands out primarily because of its high satisfaction and claims handling scores, which significantly contribute to its overall MoneyGeek score. This is especially relevant for drivers with speeding tickets, at-fault accidents and DUIs. The annual premium of $1,009 for American Family reflects that even though you may find cheap car insurance as a high-risk driver in Utah, this cost is often higher than the rates for drivers with a clean record.
Drivers with tickets, at-fault accidents or DUIs on their record are statistically more likely to file a claim, leading insurers to charge higher premiums to offset the risk. This is a standard practice in the car insurance industry in Utah and other states.
Ranks No. 2 for claims handling.
Ranks No. 1 for affordability, with an average annual premium of $1,009 for full coverage with offenses.
Offers roadside assistance, rental car reimbursement, accident forgiveness and gap insurance.
Does not excel in customer satisfaction.
American Family boasts exceptional affordability (30/30) and satisfaction (32/35) scores, which are the primary drivers behind its outstanding MoneyGeek score. The company covers all essential needs for drivers with poor records, offering roadside assistance, rental car/travel reimbursement and accident forgiveness. With an average annual premium of $1,009, American Family is an affordable option for drivers with offenses who typically face higher rates.
American Family's accident Forgiveness prevents rates from increasing after your first at-fault accident, helping alleviate financial stress during the claims process. When you're left without a vehicle, the rental car/travel reimbursement coverage ensures you remain mobile without incurring high out-of-pocket costs. Additionally, roadside assistance provides peace of mind, knowing you can receive help anytime and anywhere, from battery jump-starts to emergency fuel delivery. These coverages, combined with American Family's high scores in satisfaction and affordability, make it a company that offers comprehensive support and value to all its policyholders.
MoneyGeek found that Farmers is the best option in Utah for new drivers seeking car insurance, offering an excellent balance of customer satisfaction, affordability and coverage options.
Farmers stands out for its top MoneyGeek score, which reflects high customer satisfaction and an impressive array of coverage options, including new car replacement and/or better car replacement, essential for drivers with new vehicles. Although Farmers has a yearly premium of $1,624, opting for an insurer that offers new or better car replacement could lead to savings in the event of an accident. This is because a traditional policy generally reimburses the depreciated value of the car. In contract, these special coverages would provide a newer or better model, potentially offsetting the higher premium through added protection.
Ranks No. 1 for claims handling.
Offers new car replacement coverage.
Ranks No. 1 in affordability, with an annual premium of $1,624 for full coverage.
Does not excel in customer satisfaction.
Farmers stands out with a high MoneyGeek score driven by excellent affordability and satisfaction. In addition to offering new car or better car replacement coverage, it shines for its highly competitive rates and consistent claims handling. The average annual premium for Farmers is approximately $1,624, balancing cost with quality service.
Farmers provides a comprehensive suite of coverage options, ensuring a tailored fit for each policyholder's needs. Drivers with new cars can find security in the common coverages, as they form the foundation of a reliable auto insurance policy, protecting against financial loss due to accidents, theft and other damages. Farmers achieves an exceptional satisfaction score of 28 (out of 35) and a perfect affordability score of 30 (out of 30), demonstrating the company's dedication to providing excellent service and value. The full coverage score of 10 (out of 10) and top claims handling score of 20 (out of 20) solidify Farmers' reputation as a dependable choice for auto insurance.
MoneyGeek found that Auto-Owners is the best option in Utah for car insurance catering to military personnel.
Despite not securing the top spot, USAA is also a noteworthy provider for those in Utah with a military background.
Auto-Owners distinguishes itself with top marks in customer satisfaction, claims handling and stability, which are significant contributors to its high MoneyGeek score. Its well-rounded service has garnered it an edge over the competition, affirming its position as the leading car insurance provider, with an annual cost of $787. For military drivers prioritizing affordability, consider the cheapest car insurance in Utah for military drivers.
Ranks No. 2 for cost, with an average annual premium of $787 for full coverage.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 2 for key coverages.
Does not excel in customer satisfaction.
Auto-Owners boasts a high MoneyGeek Score, with satisfaction (29 out of 35) and affordability (29 out of 30) being the key contributors to its impressive performance. The company's average annual premium is a competitive $787.
Auto-Owners offers a range of valuable coverages for drivers. Collision coverage guards against costs from accidents involving another vehicle or an object, which is vital given the unpredictability of driving. Comprehensive coverage, another essential, offers financial security from non-collision related incidents, such as theft or weather damage, catering to a broad spectrum of unforeseen events. Personal injury protection is available in certain states, supporting medical expenses and lost wages, regardless of who is at fault in an accident. These coverages underscore the company’s mission to deliver peace of mind to drivers through a robust safety net.
Utah's premier car insurance providers excel in affordability, financial solidity and a history of exceptional customer service. MoneyGeek has thoroughly evaluated these qualities to identify the best options for you. However, if you want to conduct your own research, we suggest following these four steps to ensure you make an informed decision about your car insurance needs.
In Utah, exceptional customer service is a cornerstone for car insurers, as it ensures prompt and caring support in the event of an accident or claim. Shoppers should consult independent data providers such as JD Power and the NAIC to evaluate a company's customer service track record. According to MoneyGeek's research, Auto-Owners stands out with a customer satisfaction score of 39 (out of 45) and a claims handling score of 30 (out of 30), demonstrating their commitment to superior service.
For Utah drivers, comparing car insurance quotes can lead to significant savings without compromising on service quality. It's crucial to conduct your own research to discover the most affordable options based on your unique circumstances. MoneyGeek's analysis identified Auto-Owners as the top pick for minimum coverage in Utah, with an annual premium of $438, offering a balance of cost and quality.
Selecting the right coverages is vital when choosing a car insurance policy in Utah. You should thoroughly research insurers to find those offering coverages aligning with your needs. Based on MoneyGeek's findings, American Family is the only insurer with a perfect coverage score of 10, providing all four key coverages: rental car and/or travel reimbursement, roadside assistance, gap insurance and original equipment manufacturer coverage.
Financial stability is a critical factor to consider when selecting an insurer, as it reflects the company's ability to pay out claims. A strong financial stability rating ensures peace of mind for policyholders. According to MoneyGeek, Auto-Owners, State Farm and GEICO each received a perfect stability score of 5 (the maximum), indicating their A++ rating from AM Best and underscoring their robust financial health.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
For the best cheap car insurance in Utah, Auto-Owners leads with an annual premium of $438 for a minimum coverage policy and a MoneyGeek score of 85 out of 100. Minimum coverage policies do not provide comprehensive protection. However, you can find affordable full coverage options by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
