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Best car insurance in Utah for 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Utah
The average annual cost of auto insurance in Utah is $832 for state-mandated minimum coverage and $2,141 for full coverage, which includes optional collision and comprehensive coverage. Using data gathered by Quadrant Information Services, Bankrate determined average rates for the top companies writing policies in Utah.
In addition to average rates, we also looked at coverage options, discount availability, digital tools, financial strength ratings from AM Best and customer satisfaction scores from the 2024 J.D. Power Auto Insurance Study. We then assigned Bankrate Scores out of a possible five points to help you quickly compare carriers as you narrow down the best car insurance carriers in Utah for you. Based on our analysis, these include Geico, USAA, State Farm, Progressive and Auto-Owners.
|
|
|
|
|
|---|---|---|---|
|
4.4
|
$1,513
|
$570
|
|
|
4.4
|
$1,344
|
$458
|
|
|
4.2
|
$1,354
|
$429
|
|
|
4.3
|
$4,341
|
$1,575
|
|
|
4.3
|
$1,747
|
$596
|
Progressive
4.4
4.4
Avg. full coverage premium
$126/mo
Avg. full coverage premium
$1,513/yr
Customer satisfaction
614/1,000
-
Why Progressive made our list: Progressive could be an excellent choice for drivers looking for a personalized policy that fits their budget. Progressive offers standard coverage options like liability, comprehensive and collision, as well as a handful of more robust options. Rental car reimbursement, loan/lease payoff, custom parts and equipment coverage and ridesharing coverage are all optional add-ons offered by progressive. Not only does Progressive offer plentiful discount opportunities, such as its Snapshot telematics program, but it also offers its Name Your Price tool, which could help shoppers find coverage within their budget. However, Progressive ranked below average on the 2024 J.D. Power U.S. Auto Insurance Study. Drivers looking for top-notch service may want to read customer reviews to get a sense of what it’s like to be a Progressive policyholder.
Geico
4.4
4.4
Avg. full coverage premium
$112/mo
Avg. full coverage premium
$1,344/yr
Customer satisfaction
618/1,000
-
Why Geico made our list: Drivers interested in finding low rates may be interested in Geico's long list of potential discounts. In addition to low average premiums, Geico extends potential savings for company, military and school affiliations, multi-vehicle, bundling and more. The carrier also has a full-service mobile app and an online portal where you can request a quote, update your policy, order roadside assistance or file a claim. However, Geico has a limited number of local agents in Utah, so it may not be the best choice for those who prefer to do business in person.
USAA
4.2
4.2
Avg. full coverage premium
$113/mo
Avg. full coverage premium
$1,354/yr
Customer satisfaction
733/1,000
-
Why USAA made our list: Though not officially ranked due to its eligibility requirements, USAA is consistently one of the highest-scoring carriers among the J.D. Power customer satisfaction studies in all regions of the country — and Utah is no different. While customer service appears to be a priority for the carrier, not everyone qualifies for coverage. USAA is only available for active-duty and retired military personnel and their immediate family members. USAA offers a decent selection of coverage options and potential discounts but stands out for its military-focused options, like a potential discount for garaging your vehicle on base.
State Farm
4.3
4.3
Avg. full coverage premium
$362/mo
Avg. full coverage premium
$4,341/yr
Customer satisfaction
646/1,000
-
Why State Farm made our list: Not only is State Farm the largest provider of auto insurance in the U.S. based on market share, but it has plenty of coverage options, discount opportunities and driving programs available. The popular Drive Safe and Save usage-based program and Steer Clear for drivers under 25 are two examples of programs designed to help drivers in Utah save even more. State Farm also secured an above-average placing in the Southwest region in the 2024 J.D. Power Auto Insurance Study, indicating that Utah drivers with State Farm are happy with the company. However, according to our average rate analysis, State Farm may not be the cheapest insurance company in Utah, so this company might not be the best fit for those on a tight budget.
Auto-Owners
4.3
4.3
Avg. full coverage premium
$146/mo
Avg. full coverage premium
$1,747/yr
Customer satisfaction
659/1,000
-
Why Auto-Owners made our list: This regional carrier made our list of best car insurance companies in Utah in part due to its robust optional endorsements. Along with more common coverage add-ons such as gap insurance, Auto-Owners offers unique endorsements you may not find with other carriers. These include diminished value and additional expenses to pay for a rental and lodging if you’re stranded due to a covered claim. J.D. Power scored Auto-Owners in second place in the Southwest region of the 2024 Auto Insurance Study, suggesting that they take their relationships with their policyholders seriously.
How Bankrate chose the best car insurance companies in Utah
To find the best car insurance in Utah, Bankrate’s insurance editorial team analyzed a host of metrics, including AM Best ratings, J.D. Power customer satisfaction scores, discount availability and online accessibility. Additionally, we studied premium data provided by Quadrant Information Services. Using this information, we calculated each company's Bankrate Score ranging from 0.0 to 5.0. Our goal is that our holistic scoring model aims to help drivers get a complete view of how well a company may perform while they shop for new car insurance.
Why you can trust Bankrate
Read our full methodologyTo help Utah drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Utah
Finding the best car insurance in UT will depend on your unique needs and financial situation. Consider these strategies to help you narrow down the best carrier and coverage choices for your circumstances.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Utah?
The average car insurance cost in Utah is $832 annually for minimum coverage and $2,141 annually for a full coverage policy. This average rate is well below the national average for full coverage, which is $2,458 per year, while minimum coverage is $678 per year. Utah's average full coverage rates may be less expensive because it is not as heavily populated as other states, which may mean less crowded roadways and a lower risk of accidents.
Utah drivers also experience lower average annual rates than their neighbors. Arizona drivers pay an average of $878 for minimum and $2,766 for full coverage; while in Nevada, the average minimum coverage policy is $1,025, with full coverage coming in at $3,194.
The rates below represent up-to-date quoted annual premiums gathered through Quadrant Information Services. However, your rates may be more or less expensive based on personal factors.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Summit | $1,943 | -10% |
| Altamont | $2,081 | -3% |
| Bluebell | $2,073 | -3% |
| Layton | $2,052 | -4% |
| Salt Lake City | $2,303 | +7% |
| Honeyville | $2,019 | -6% |
| Howell | $2,036 | -5% |
| Willard | $2,015 | -6% |
| Castle Dale | $1,964 | -9% |
| Kenilworth | $1,973 | -8% |
| Lake Powell | $1,984 | -8% |
| Provo | $2,161 | +1% |
| Elberta | $2,078 | -3% |
| Ephraim | $2,058 | -4% |
| Stockton | $2,070 | -3% |
| Woods Cross | $2,037 | -5% |
| Sandy | $2,176 | +2% |
| Eagle Mountain | $2,163 | +1% |
| Manila | $2,076 | -3% |
| Cedar Valley | $2,132 | -0% |
| Henefer | $2,105 | -2% |
| Altonah | $2,066 | -4% |
| Clearfield | $2,067 | -4% |
| Magna | $2,350 | +9% |
| Saratoga Springs | $2,156 | +1% |
| Alpine | $2,206 | +3% |
| Croydon | $2,079 | -3% |
| Echo | $2,092 | -2% |
| Ibapah | $2,069 | -3% |
| American Fork | $2,148 | +0% |
| Centerville | $2,015 | -6% |
| Grantsville | $2,008 | -6% |
| Kaysville | $2,037 | -5% |
| Lehi | $2,155 | +1% |
| Oakley | $2,136 | -0% |
| Pleasant Grove | $2,188 | +2% |
| Roy | $2,078 | -3% |
| Tooele | $2,048 | -4% |
| Tridell | $2,055 | -4% |
| West Jordan | $2,264 | +6% |
| Woodruff | $2,060 | -4% |
| Park City | $2,052 | -4% |
| Bear River City | $2,054 | -4% |
| Corinne | $2,031 | -5% |
| Plymouth | $2,033 | -5% |
| Providence | $1,921 | -11% |
| Blanding | $1,996 | -7% |
| East Carbon | $1,979 | -8% |
| Ferron | $1,986 | -8% |
| Draper | $2,172 | +1% |
| Farmington | $2,011 | -6% |
| Lapoint | $2,046 | -5% |
| Midway | $2,105 | -2% |
| Mountain Home | $2,103 | -2% |
| Peoa | $2,097 | -2% |
| Midvale | $2,221 | +4% |
| Morgan | $2,086 | -3% |
| Randlett | $2,081 | -3% |
| Vernal | $2,024 | -6% |
| South Jordan | $2,190 | +2% |
| Orem | $2,196 | +3% |
| Rush Valley | $2,038 | -5% |
| Herriman | $2,139 | -0% |
| Salem | $2,081 | -3% |
| Salina | $1,955 | -9% |
| Scipio | $2,070 | -3% |
| Cedar City | $1,896 | -12% |
| Central | $1,994 | -7% |
| Glendale | $1,978 | -8% |
| Ivins | $1,924 | -11% |
| Kanab | $1,946 | -10% |
| Koosharem | $1,966 | -9% |
| Hill Afb | $2,062 | -4% |
| Talmage | $2,090 | -2% |
| Wallsburg | $2,151 | +0% |
| Beryl | $1,959 | -9% |
| Boulder | $1,977 | -8% |
| Garrison | $2,002 | -7% |
| Junction | $2,016 | -6% |
| Orderville | $2,023 | -6% |
| North Salt Lake | $2,104 | -2% |
| Myton | $2,099 | -2% |
| Neola | $2,078 | -3% |
| Randolph | $2,082 | -3% |
| Bonanza | $2,058 | -4% |
| Duchesne | $2,112 | -1% |
| Jensen | $2,064 | -4% |
| Kamas | $2,109 | -1% |
| Bingham Canyon | $2,153 | +1% |
| Bountiful | $2,047 | -4% |
| Dugway | $2,026 | -5% |
| Dutch John | $2,068 | -3% |
| Fruitland | $2,109 | -1% |
| Roosevelt | $2,042 | -5% |
| Tabiona | $2,109 | -1% |
| Whiterocks | $2,073 | -3% |
| Dammeron Valley | $1,985 | -8% |
| Saint George | $1,937 | -10% |
| Ogden | $2,104 | -2% |
| Smithfield | $1,964 | -9% |
| Elmo | $1,976 | -8% |
| Green River | $1,936 | -10% |
| Monticello | $2,010 | -6% |
| Washington | $1,927 | -10% |
| Virgin | $1,965 | -9% |
| Axtell | $1,996 | -7% |
| Beaver | $1,972 | -8% |
| Holden | $1,948 | -9% |
| Kanosh | $1,957 | -9% |
| Leamington | $1,971 | -8% |
| Nephi | $2,003 | -7% |
| Spring City | $2,072 | -3% |
| Alton | $1,981 | -8% |
| Glenwood | $1,939 | -10% |
| Kingston | $2,011 | -6% |
| Hurricane | $1,895 | -12% |
| Milford | $2,026 | -6% |
| Modena | $1,957 | -9% |
| Newcastle | $1,979 | -8% |
| Parowan | $1,939 | -10% |
| Leeds | $1,955 | -9% |
| Monroe | $1,933 | -10% |
| Panguitch | $2,050 | -4% |
| Duck Creek Village | $1,969 | -8% |
| Rockville | $1,972 | -8% |
| Bryce | $1,985 | -8% |
| Delta | $1,944 | -10% |
| Levan | $2,032 | -5% |
| Meadow | $1,952 | -9% |
| Sigurd | $1,968 | -8% |
| Circleville | $2,018 | -6% |
| Hanksville | $1,988 | -7% |
| Mount Carmel | $1,974 | -8% |
| New Harmony | $1,954 | -9% |
| Fairview | $2,122 | -1% |
| Gunnison | $2,012 | -6% |
| Hinckley | $1,956 | -9% |
| Lynndyl | $1,971 | -8% |
| Manti | $2,066 | -4% |
| Oak City | $1,948 | -9% |
| Redmond | $1,953 | -9% |
| Sterling | $2,053 | -4% |
| Enterprise | $2,008 | -6% |
| Greenville | $1,998 | -7% |
| Minersville | $2,021 | -6% |
| Fort Duchesne | $2,058 | -4% |
| Heber City | $2,136 | -0% |
| Laketown | $2,029 | -5% |
| Cannonville | $1,998 | -7% |
| Elsinore | $1,935 | -10% |
| Gunlock | $2,005 | -7% |
| La Verkin | $1,958 | -9% |
| Marysvale | $2,011 | -6% |
| Paragonah | $1,958 | -9% |
| Deweyville | $2,030 | -5% |
| Logan | $1,928 | -10% |
| Park Valley | $2,097 | -2% |
| Trenton | $1,970 | -8% |
| Helper | $1,957 | -9% |
| La Sal | $1,970 | -8% |
| Fielding | $2,029 | -5% |
| Garland | $2,031 | -5% |
| Price | $1,939 | -10% |
| Cleveland | $1,975 | -8% |
| Moab | $1,911 | -11% |
| Hyrum | $1,970 | -8% |
| Montezuma Creek | $2,019 | -6% |
| Huntsville | $2,114 | -1% |
| Lewiston | $2,015 | -6% |
| Emery | $1,964 | -9% |
| Pine Valley | $1,984 | -8% |
| Toquerville | $1,962 | -9% |
| Coalville | $2,107 | -2% |
| Hanna | $2,106 | -2% |
| Vernon | $2,052 | -4% |
| Wendover | $2,054 | -4% |
| Aurora | $1,965 | -9% |
| Fillmore | $1,951 | -9% |
| Escalante | $2,072 | -3% |
| Hatch | $1,986 | -7% |
| Henrieville | $1,988 | -7% |
| Moroni | $2,073 | -3% |
| Richfield | $1,940 | -10% |
| Mount Pleasant | $2,096 | -2% |
| Springville | $2,164 | +1% |
| Mapleton | $2,162 | +1% |
| Annabella | $1,964 | -9% |
| Antimony | $2,015 | -6% |
| Brian Head | $1,940 | -10% |
| Joseph | $1,949 | -9% |
| Santaquin | $2,029 | -5% |
| Spanish Fork | $2,110 | -1% |
| Sevier | $1,966 | -9% |
| Chester | $2,045 | -5% |
| Eureka | $2,037 | -5% |
| Fayette | $2,018 | -6% |
| Mona | $2,008 | -6% |
| Payson | $2,080 | -3% |
| Wales | $2,036 | -5% |
| Bicknell | $1,984 | -8% |
| Greenwich | $1,986 | -7% |
| Kanarraville | $1,935 | -10% |
| Loa | $2,037 | -5% |
| Lyman | $1,989 | -7% |
| Cornish | $1,982 | -8% |
| Eden | $2,087 | -3% |
| Hooper | $2,042 | -5% |
| Hyde Park | $1,947 | -9% |
| Paradise | $1,986 | -8% |
| Snowville | $2,020 | -6% |
| Tremonton | $2,043 | -5% |
| Wellsville | $1,962 | -9% |
| Bluff | $2,028 | -5% |
| Veyo | $2,000 | -7% |
| Santa Clara | $1,914 | -11% |
| Springdale | $1,951 | -9% |
| Teasdale | $1,988 | -7% |
| Tropic | $1,982 | -8% |
| Hildale | $1,992 | -7% |
| Collinston | $2,019 | -6% |
| Mantua | $2,009 | -6% |
| Portage | $2,028 | -5% |
| Aneth | $2,004 | -7% |
| Monument Valley | $2,022 | -6% |
| Orangeville | $1,983 | -8% |
| Wellington | $1,953 | -9% |
| Huntington | $1,965 | -9% |
| Mexican Hat | $2,013 | -6% |
| Thompson | $1,917 | -11% |
| Richmond | $1,998 | -7% |
| Brigham City | $1,995 | -7% |
| Cache Junction | $1,958 | -9% |
| Clarkston | $2,003 | -7% |
| Grouse Creek | $2,035 | -5% |
| Mendon | $1,958 | -9% |
| Millville | $1,947 | -9% |
| Newton | $2,030 | -5% |
| Cisco | $1,929 | -10% |
| Clawson | $1,966 | -9% |
| Sunnyside | $1,985 | -8% |
| Riverton | $2,113 | -1% |
| Syracuse | $2,045 | -5% |
| Torrey | $2,008 | -6% |
| Garden City | $2,025 | -6% |
| Lindon | $2,181 | +2% |
| Centerfield | $2,006 | -6% |
| Fountain Green | $2,050 | -4% |
| Goshen | $2,039 | -5% |
| Mayfield | $2,024 | -6% |
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
