Fact CheckedNerdWallet’s editorial team collected data on 13 auto insurers in Utah and scored them for a variety of factors, including customer experience, online features and discounts. GEICO earned the top spot as the best insurer in the state, but plenty of other car insurance companies also earned high ratings.
Our March 2026 winners are:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best budget pick: Nationwide | |
Best if you need to make a claim: Amica | |
Best for coverage options: Progressive | |
Best for bundling auto and home: American Family |
For our list of the best car insurance companies in Utah, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the NAIC. We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Best overall for car insurance: GEICO
Full coverage
$153 /month
Liability only
$50 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,841 $605 One speeding ticket, good credit $2,341 $782 One at-fault crash, good credit $3,546 $1,219 One DUI, good credit $5,245 $1,849 Clean driving record, poor credit $2,667 $866 Rates updated in March 2026.
Best for shopping on a budget: Nationwide
Full coverage
$129 /month
Liability only
$62 /month
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why budget-conscious shoppers might like Nationwide: We found that Nationwide may have the cheapest car insurance in Utah for most drivers. On average, Nationwide’s rates are often cheaper than most other insurers for drivers with clean records, as well as those with a recent accident or speeding ticket.
Nationwide’s rates, along with its great set of discounts, could make its coverage options appealing to drivers who are thinking about adding extra coverage to a basic policy. Some of Nationwide’s coverage options include gap insurance, accident forgiveness and a perk that may subtract up to $100 from your deductible each year (up to $500).
Don’t pick Nationwide if: You haven’t shopped around for a policy yet. While car insurance from Nationwide can be cheaper than average in Utah, it’s not a sure thing. We recommend comparing car insurance rates from at least three other insurance companies before you buy a policy.
How much is Nationwide car insurance in Utah? The average cost of car insurance from Nationwide for someone in Utah with a clean driving record is $129 per month, or $1,550 per year. That’s compared to the statewide average of $2,283 per year.
» Read the full review: Nationwide auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,550 $747 One speeding ticket, good credit $1,878 $917 One at-fault crash, good credit $2,748 $1,196 One DUI, good credit $3,534 $1,554 Clean driving record, poor credit $2,396 $1,030 Rates updated in March 2026.
Best if you need to make a claim: Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why Amica stands out for claims: Amica’s claims process may go more smoothly than with many other insurers. Amica earns fewer complaints than expected from its customers for a company of its size. The insurer also scores better than average on the J.D. Power Auto Claims Satisfaction Study.
We also like Amica's variety of coverage options, including gap insurance and new car replacement. Amica’s dividend-paying policy — a fairly uncommon optional feature — could return some of your premium if Amica meets certain targets.
Don’t pick Amica if: You haven’t gotten a chance to compare car insurance quotes yet. We don’t have rates in Utah for Amica, but in other states, Amica's rates can be higher than average for some drivers.
» Read the full review: Amica auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,167 $1,089 One speeding ticket, good credit $4,114 $1,372 One at-fault crash, good credit $3,957 $1,505 One DUI, good credit $11,783 $3,661 Clean driving record, poor credit $9,541 $1,854 Rates updated in March 2026.
Best for coverage options: Progressive
Full coverage
$173 /month
Liability only
$63 /month
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we like Progressive's coverage options: Progressive has one of the best selections of perks and coverage options among car insurance companies in Utah. A full coverage policy, which may already be a natural fit for most drivers, includes up to $1,000 in coverage for vet bills if your pet is injured in an accident. Progressive may also include accident forgiveness on some policies at no additional cost.
Besides these perks, Progressive may offer gap insurance, coverage for your car’s minor dents and dings, custom parts coverage, insurance for your vehicle’s systems and more.
Don’t pick Progressive if: Low rates are your biggest priority. While car insurance from Progressive may cost some drivers less than the state average, it’s possible that you’ll be able to find even better rates from another insurer in Utah.
How much is Progressive car insurance in Utah? The average cost of car insurance from Progressive for someone in Utah with a clean driving record is $173 per month, or $2,076 per year. That’s compared to the statewide average of $2,283 per year.
» Read the full review: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,076 $761 One speeding ticket, good credit $2,787 $929 One at-fault crash, good credit $3,223 $1,089 One DUI, good credit $2,570 $886 Clean driving record, poor credit $3,418 $1,118 Rates updated in March 2026.
Best for bundling auto and home insurance: American Family
Full coverage
$244 /month
Liability only
$86 /month
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, & WI.
Why American Family is our pick for bundling: American Family offers a great discount for bundling your auto and home insurance. Bundling these two policies could earn you a combined discount of up to 40%. American Family also offers other bundling discounts if you combine a non-home policy with your auto insurance.
Another reason why American Family made our list of the best insurance companies in Utah is because of its customer experience rating. American Family earns fewer complaints than expected from its auto and home customers. It also scores better than average on the J.D. Power Auto Claims Satisfaction Study.
Don’t pick American Family if: You’re looking for the absolute lowest rates. We found that the average cost of American Family car insurance in Utah can be more expensive for drivers with a clean record than other insurers in the state.
How much is American Family car insurance in Utah? The average cost of car insurance from American Family for someone with a clean driving record in Utah is $244 per month, or $2,926 per yea. That’s compared to the statewide average of $2,283 per year.
» Read the full review: American Family auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,926 $1,037 One speeding ticket, good credit $3,765 $1,308 One at-fault crash, good credit $4,378 $1,621 One DUI, good credit $4,340 $1,568 Clean driving record, poor credit $4,528 $1,758 Rates updated in March 2026.
All of the top-rated insurance companies in Utah
There’s not one car insurance company that’s a perfect fit for every driver in Utah. Although we chose GEICO as the state’s best overall company for car insurance, another insurer might turn out to line up better with your budget, coverage needs and preferences for customer service.
With this in mind, we chose additional top-rated car insurance companies in Utah that we think could match well with certain types of drivers:
Category winner | NerdWallet Star Rating |
|---|---|
Best overall car insurance company: GEICO | |
Best budget pick: Nationwide | |
Best if you need to make a claim: Amica | |
Runner-up if you need to make a claim: Acuity | |
Best for coverage options: Progressive | |
Runner-up for coverage options: Travelers | |
Best for bundling auto and home: American Family | |
Best smaller or regional insurance company: Central Insurance | |
Best for senior-age drivers: The Hartford | |
Best for military families: USAA* | |
*USAA is available only to members of the military, veterans and their families. | |
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Utah
Utah is a no-fault state for car insurance. In these states, your own insurance policy first helps to pay for your injuries after a crash. In most other states, the at-fault driver’s insurance only covers the medical bills of other people who were injured in a crash.
Utah requires these types of car insurance:
Personal injury protection. This coverage will help you pay for your medical costs and replace your lost wages, regardless of whether you were at fault for an accident. Utah requires $3,000 of coverage.
Bodily injury liability insurance. After a serious accident, you may have to rely on your bodily injury liability insurance to cover medical expenses of other people who you injured in a car crash. A basic Utah policy provides up to $65,000 in coverage per accident, and no more than $30,000 per person.
Property damage liability insurance. This type of insurance helps you pay for the cost of repairing or replacing other people’s property that you damaged in a crash. Utah requires at least $25,000 in coverage per accident.
In Utah, you may also need to have uninsured motorist coverage, which helps pay for injuries that an uninsured driver causes to you or your passengers. You can waive this coverage, but it’s worth having to avoid potentially large medical bills if you’re hit by someone without insurance.
Many drivers might also want to consider getting comprehensive and collision coverage. These two types of insurance help to pay for most types of damage to your own vehicle, including theft and the damage that’s done in an accident you cause.
The average cost of car insurance in Utah is $2,283, but it depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
You could use our cost calculator to estimate your car insurance rates. This can give you a sense of what drivers in your area might pay for coverage. Just enter your ZIP code and you’ll be able to see what the average cost of coverage is near you.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0The Utah Auto Insurance Plan (UAIP) could be a solution for you if you’re not able to get car insurance on your own. If you’re someone whose record has kept them from getting coverage, one of the insurance companies that’s a part of the UAIP could help you get a policy.
How to get the best auto insurance in Utah
There are other insurance companies in Utah than those we’ve mentioned here. If you’re not sure which one is right for you, or you want to research some more on your own, following these steps could help you find the best insurance in Utah.
Understand the coverage you need. While most people likely need more insurance than what Utah requires, you don’t want to get so much coverage that you’re stuck paying for insurance you don’t actually need.
Know the type of company that you’re looking for. Try to have an idea of the types of company you prefer before you start shopping. For example, some are better suited to drivers looking for cheap rates, while others are best for drivers looking for robust coverage options or reliable service.
Pay attention to other details that could affect your best insurer. One particular detail can change which insurer is right for you. The insurer at the top of your list could shift depending on how much you drive, who you add to your policy and other factors.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies so you know that yours will work with your budget.
Don’t shy away from smaller insurers. A small, regional insurance company in Utah may line up best with your coverage needs and budget. An insurance agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 6, 2026.
- 2.Utah Auto Insurance Plan. Plan information. Accessed Mar 6, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
