Compare Cheap Auto Insurance in Utah

• Utah drivers pay an annual average rate of $1,978 for full coverage and $1,006 for minimum coverage.
• USAA provides the lowest-cost auto insurance in most driver categories, but is only available to military members, veterans, and their families.
• Progressive, Auto-Owners, Farm Bureau, and GEICO offer competitive rates for many driver categories and coverage levels.

Jump to:

• Cheapest full coverage auto insurance in Utah: USAA ($1,185 annually) and Nationwide ($1,336 annually)
• Cheapest minimum coverage: USAA ($489 annually) and Auto-Owners ($702 annually)
• Cheapest with a teen driver: USAA ($3,682 annually) and Geico ($4,637 annually)
• Cheapest with a speeding ticket: USAA ($1,501 annually) and Auto-Owners ($1,579 annually).
• Cheapest with an at-fault accident: USAA ($1,753 annually) and Nationwide ($2,260 annually)
• Cheapest with a DUI: Progressive ($1,795 annually) and USAA ($2,307 annually)
• Cheapest with low credit: Progressive ($2,433 annually) and USAA ($2,525 annually)

In addition to price information, it’s important to consider how different insurers are likely to treat your case in the unfortunate event that you need to make a claim. Auto-Owners has some of the best customer satisfaction scores in Utah, excluding USAA, which is only available to the military community. It’s also worth noting that Farm Bureau is not included in J.D. Power’s surveys, but the company scores very high on CRASH Network’s Insurer Report Card.

1. Avoid traffic violations: Accidents, speeding tickets, and other traffic violations can have a huge effect on your insurance premiums. If you tend to drive a bit on the fast side, or occasionally get behind the wheel when you might be close to the legal alcohol limit, just check out the average rates above for drivers with a speeding ticket or a DUI. You might be inspired to take more care.
2. Bundle policies together: If you also purchase or are planning to purchase home/renters insurance or another type of insurance, you might save a significant amount by getting all these coverages from one company. Make sure to ask about this when you’re getting quotes.
3. Consider a higher deductible: Insurance is there to protect you from big, unexpected financial woes. But if you have comprehensive or collision coverage, and can handle out-of-pocket costs up to a certain threshold, you can lower your premiums somewhat by raising your deductible.
4. Shop around: Each company has their own formulas and standards for setting insurance premiums. What we provide in this article is average data from around the state, which can tell you where to start, but you should always get quotes from several providers before you sign up.

Beyond driver characteristics and coverage amounts, insurance premiums are influenced by the policyholder’s specific location. The differences in cost between various locations generally reflect differences in accident frequency and in the costs of damages associated with those accidents.

In Utah, these differences are fairly small when compared to other states, meaning residents of the biggest cities don’t pay rates so far above the smaller ones. For example, West Valley, Salt Lake City, and West Jordan — all of which are close together within the greater Salt Lake City metropolitan area — have only slightly higher rates than the comparatively smaller Orem and Provo.

Utah’s minimum auto insurance requirements were increased as of January 1, 2025, and are now as follows:

• Bodily injury liability: $30,000 per person/$65,000 per accident
• Property damage liability: $25,000 per accident
• Personal injury protection (PIP): $3,000

We generally would not advise drivers that minimum coverage is sufficient. Nobody likes higher bills, but increasing your limits and adding comprehensive and collision coverage can protect you from much bigger expenses in the event of an accident.

We analyze average auto insurance premiums in Utah for full and minimum coverage for good drivers with good credit as well as other driver profiles, including teenagers and those with DUIs, accidents, and low credit. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• PIP: $3,000
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible