The best cheap car insurance in Utah

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  • Utah drivers pay $889 per year, on average, for car insurance premiums.
  • Shopping around for your auto insurance coverage is the best way to save and get the best coverage for your money.
  • GEICO offers the most affordable coverage at every credit level.
  • See Insider’s picks for the best affordable car insurance companies.

Car insurance is fairly affordable for Utah drivers. The average driver pays $889.67, about $100 less than the US national average, according to the Insurance Information Institute. But, that’s not to say that there aren’t still some ways to save if you’re willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you’re getting the best price for you. Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

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The best cheap car insurance in Utah based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Excellent credit (FICO 800+)Good credit (FICO 670-739)Poor credit (300-579)
  • GEICO: $672 per year
  • USAA: $676 per year
  • State Farm: $880 per year
  • GEICO: $783 per year
  • USAA: $796 per year
  • American Family: $1,105 per year
  • GEICO: $1,124 per year
  • American Family: $1,668 per year
  • USAA: $1,836 per year

The best car insurance for drivers with a clean record

For a driver in Utah age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
AAA NCNU$84
Root$112
USAA*$113
Farmers$121
State Farm$135
Bristol West$139
Allstate$140
Liberty Mutual$147
Safeco$152
Esurance$157
American Family$170

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 999 policyholders in the state of Utah

Best car insurance for one or more accidents on record

For a driver in Utah age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
GEICO$130
Esurance$142
Progressive$148
Allstate$156
Farmers$225
Bristol West$334

Above data obtained from Savvy, based on 999 policyholders in the state of Utah

The best car insurance in Utah based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southwest region (which includes Utah):

  1. American Family & GEICO (tie)
  2. Allstate
  3. The Hartford
  4. Region Average
  5. State Farm
  6. Farmers Insurance
  7. Liberty Mutual 
  8. Safeco
  9. CSAA Insurance
  10. Travelers
  11. Progressive
  12. Nationwide
  13.  

Utah car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Utah’s most populous cities:

CompanyAverage annual insurance premium
Salt Lake City$1,319
West Valley City$1,390
Provo$1,303
West Jordan$1,483
Orem$1,395
Sandy$1,514
Ogden$1,283
St. George$1,337
Layton$1,461
South Jordan$1,589
Lehi$1,588
Millcreek$1,393
Taylorsville$1,378
Draper$1,628
Logan$1,263
Murray$1,372
Riverton$1,595
Bountiful$1,444
Spanish Fork$1,494
Roy$1,440
Pleasant Grove$1,455
Herriman$1,631
Kearns$1,416
Tooele$1,374
Springville$1,438
Cottonwood Heights$1,502
Cedar City$1,241
Eagle Mountain$1,571
Clearfield$1,378
Kaysville$1,578
Midvale$1,331
Syracuse$1,602
American Fork$1,489
Magna$1,417
Saratoga Springs$1,607
Holladay$1,480
Washington$1,391
South Salt Lake$1,237
Farmington$1,620
Clinton$1,521

Data from S&P Global Market Intelligence

The most popular car insurance companies in Utah based on market share

The following are the most popular car insurance companies in Utah, based on the percentage of insured Utah drivers who use them:

CompanyMarket share (%)
State Farm14.07
Allstate11.78
GEICO9.95
Progressive9.27
Farmers Insurance8.14
Bear River Mutual Insurance Co6.41
USAA*5.18
Liberty Mutual5.07
American Family Insurance4.44
Auto-Owners Insurance3.08
Farm Bureau2.59
MetLife1.99
Travelers1.97
Nationwide1.92
American National1.41
CSAA Insurance Exchange1.35
Sentry1.12
United Insurance Co.0.90
Root Insurance Co.0.78
The Hartford0.78
CSE Insurance0.75
Mutual of Enumclaw0.71
Western General Insurance Co.0.58
State Auto0.57
MGA Insurance Co.0.54

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Utah?

As the data above shows, your credit score is one of the bigger influences on the price you’ll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it’s critical to shop around. 

If you want to get the best rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Utah is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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