The Cheapest Car Insurance in Utah for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Utah for a variety of ages and driving histories.
Dec 22, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Utah isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Utah is $1,655 per year, or about $138 per month, according to NerdWallet’s analysis. Minimum coverage in Utah is $667 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Utah at $305 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Cheapest car insurance company overall in Utah

$79/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$25/month

4.5

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Cheapest for young drivers

$155/month

4.5

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Cheapest for drivers with poor credit

$79/month

4.5

NerdWallet rating 
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How we chose the cheapest companies in Utah

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in utah and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Utah. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Utah for 20-year-olds

Drivers in Utah with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,859 per year, or about $155 per month.

  2. American Family: $2,363 per year, or about $197 per month.

  3. Nationwide: $2,483 per year, or about $207 per month.

  4. Farm Bureau Financial Services: $2,532 per year, or about $211 per month.

  5. Auto-Owners: $2,675 per year, or about $223 per month.

Cheapest minimum coverage car insurance in Utah for 20-year-olds

Drivers in Utah who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $632 per year, or about $53 per month.

  2. Allstate: $962 per year, or about $80 per month.

  3. Auto-Owners: $1,136 per year, or about $95 per month.

  4. Farm Bureau Financial Services: $1,151 per year, or about $96 per month.

  5. Nationwide: $1,182 per year, or about $98 per month.

Cheapest auto insurance in Utah for 20-year-olds with poor credit

Drivers with poor credit in Utah should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $805 per year, or about $67 per month.

  2. Allstate: $1,330 per year, or about $111 per month.

  3. Nationwide: $1,615 per year, or about $135 per month.

  4. Kemper: $1,635 per year, or about $136 per month.

  5. Progressive: $1,948 per year, or about $162 per month.

Cheapest auto insurance in Utah for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $832 per year, or about $69 per month.

  2. Allstate: $1,245 per year, or about $104 per month.

  3. American Family: $1,324 per year, or about $110 per month.

  4. Nationwide: $1,363 per year, or about $114 per month.

  5. Progressive: $1,613 per year, or about $134 per month.

Cheapest auto insurance in Utah for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $826 per year, or about $69 per month.

  2. Allstate: $1,275 per year, or about $106 per month.

  3. Progressive: $1,284 per year, or about $107 per month.

  4. Kemper: $1,391 per year, or about $116 per month.

  5. American Family: $1,605 per year, or about $134 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Utah for 30-year-olds

Drivers in Utah with clean driving records may get the lowest rates from these companies:

  1. Geico: $949 per year, or about $79 per month.

  2. Nationwide: $1,065 per year, or about $89 per month.

  3. Auto-Owners: $1,097 per year, or about $91 per month.

  4. Farm Bureau Financial Services: $1,232 per year, or about $103 per month.

  5. American Family: $1,485 per year, or about $124 per month.

Cheapest minimum coverage car insurance in Utah for 30-year-olds

Drivers in Utah who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $305 per year, or about $25 per month.

  2. Auto-Owners: $401 per year, or about $33 per month.

  3. Nationwide: $494 per year, or about $41 per month.

  4. Farm Bureau Financial Services: $516 per year, or about $43 per month.

  5. Progressive: $584 per year, or about $49 per month.

Cheapest auto insurance in Utah for 30-year-olds with poor credit

Drivers with poor credit in Utah should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,253 per year, or about $104 per month.

  2. Nationwide: $1,498 per year, or about $125 per month.

  3. Farm Bureau Financial Services: $2,353 per year, or about $196 per month.

  4. American Family: $2,651 per year, or about $221 per month.

  5. Progressive: $2,677 per year, or about $223 per month.

Cheapest auto insurance in Utah for 30-year-old drivers with one at-fault crash

For drivers in Utah with a recent accident, here are the lowest average rate options for full coverage:

  1. American Family: $1,485 per year, or about $124 per month.

  2. Geico: $1,512 per year, or about $126 per month.

  3. Nationwide: $1,698 per year, or about $142 per month.

  4. Auto-Owners: $1,709 per year, or about $142 per month.

  5. Farm Bureau Financial Services: $1,801 per year, or about $150 per month.

Cheapest auto insurance in Utah for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $1,300 per year, or about $108 per month.

  2. Progressive: $1,754 per year, or about $146 per month.

  3. American Family: $1,860 per year, or about $155 per month.

  4. Farm Bureau Financial Services: $1,860 per year, or about $155 per month.

  5. Nationwide: $2,142 per year, or about $178 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Utah for 40-year-olds

Drivers in Utah with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $952 per year, or about $79 per month.

  2. Nationwide: $1,032 per year, or about $86 per month.

  3. Auto-Owners: $1,107 per year, or about $92 per month.

  4. Farm Bureau Financial Services: $1,230 per year, or about $102 per month.

  5. American Family: $1,467 per year, or about $122 per month.

Cheapest minimum coverage car insurance in Utah for 40-year-olds

Drivers in Utah who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $305 per year, or about $25 per month.

  2. Auto-Owners: $421 per year, or about $35 per month.

  3. Nationwide: $475 per year, or about $40 per month.

  4. Farm Bureau Financial Services: $516 per year, or about $43 per month.

  5. Progressive: $570 per year, or about $48 per month.

Cheapest auto insurance in Utah for 40-year-olds with poor credit

Drivers with poor credit in Utah can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,254 per year, or about $104 per month.

  2. Nationwide: $1,451 per year, or about $121 per month.

  3. Farm Bureau Financial Services: $2,372 per year, or about $198 per month.

  4. American Family: $2,613 per year, or about $218 per month.

  5. Progressive: $2,640 per year, or about $220 per month.

Cheapest auto insurance in Utah for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Utah, here are the companies with the lowest average rates for full coverage:

  1. American Family: $1,467 per year, or about $122 per month.

  2. Geico: $1,513 per year, or about $126 per month.

  3. Nationwide: $1,657 per year, or about $138 per month.

  4. Auto-Owners: $1,724 per year, or about $144 per month.

  5. Farm Bureau Financial Services: $1,798 per year, or about $150 per month.

Cheapest auto insurance in Utah for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Geico: $1,324 per year, or about $110 per month.

  2. Progressive: $1,721 per year, or about $143 per month.

  3. American Family: $1,841 per year, or about $153 per month.

  4. Farm Bureau Financial Services: $1,857 per year, or about $155 per month.

  5. Nationwide: $2,107 per year, or about $176 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Utah for 50-year-olds

Drivers in Utah with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $928 per year, or about $77 per month.

  2. Nationwide: $963 per year, or about $80 per month.

  3. Auto-Owners: $1,043 per year, or about $87 per month.

  4. Farm Bureau Financial Services: $1,178 per year, or about $98 per month.

  5. Progressive: $1,381 per year, or about $115 per month.

Cheapest minimum coverage car insurance in Utah for 50-year-olds

Drivers in Utah who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $298 per year, or about $25 per month.

  2. Auto-Owners: $392 per year, or about $33 per month.

  3. Nationwide: $447 per year, or about $37 per month.

  4. Farm Bureau Financial Services: $492 per year, or about $41 per month.

  5. Progressive: $543 per year, or about $45 per month.

Cheapest auto insurance in Utah for 50-year-olds with poor credit

Drivers with poor credit in Utah can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,226 per year, or about $102 per month.

  2. Nationwide: $1,352 per year, or about $113 per month.

  3. Farm Bureau Financial Services: $2,268 per year, or about $189 per month.

  4. Progressive: $2,439 per year, or about $203 per month.

  5. American Family: $2,576 per year, or about $215 per month.

Cheapest auto insurance in Utah for 50-year-old drivers with one at-fault crash

For drivers living in Utah with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American Family: $1,448 per year, or about $121 per month.

  2. Geico: $1,526 per year, or about $127 per month.

  3. Nationwide: $1,565 per year, or about $130 per month.

  4. Auto-Owners: $1,616 per year, or about $135 per month.

  5. Farm Bureau Financial Services: $1,722 per year, or about $144 per month.

Cheapest auto insurance in Utah for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Geico: $1,328 per year, or about $111 per month.

  2. Progressive: $1,617 per year, or about $135 per month.

  3. Farm Bureau Financial Services: $1,778 per year, or about $148 per month.

  4. American Family: $1,819 per year, or about $152 per month.

  5. Nationwide: $2,015 per year, or about $168 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Utah for 60-year-olds

Drivers in Utah with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Nationwide: $906 per year, or about $76 per month.

  2. Geico: $938 per year, or about $78 per month.

  3. Auto-Owners: $1,030 per year, or about $86 per month.

  4. Farm Bureau Financial Services: $1,187 per year, or about $99 per month.

  5. Progressive: $1,359 per year, or about $113 per month.

Cheapest minimum coverage car insurance in Utah for 60-year-olds

Drivers in Utah who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $302 per year, or about $25 per month.

  2. Auto-Owners: $400 per year, or about $33 per month.

  3. Nationwide: $422 per year, or about $35 per month.

  4. Farm Bureau Financial Services: $499 per year, or about $42 per month.

  5. Kemper: $537 per year, or about $45 per month.

Cheapest auto insurance in Utah for 60-year-olds with poor credit

Drivers with poor credit in Utah can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,245 per year, or about $104 per month.

  2. Nationwide: $1,268 per year, or about $106 per month.

  3. Farm Bureau Financial Services: $2,286 per year, or about $190 per month.

  4. Progressive: $2,387 per year, or about $199 per month.

  5. Kemper: $2,428 per year, or about $202 per month.

Cheapest auto insurance in Utah for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Utah, here are the companies with the lowest average rates for full coverage:

  1. American Family: $1,439 per year, or about $120 per month.

  2. Nationwide: $1,487 per year, or about $124 per month.

  3. Geico: $1,553 per year, or about $129 per month.

  4. Auto-Owners: $1,597 per year, or about $133 per month.

  5. Farm Bureau Financial Services: $1,735 per year, or about $145 per month.

Cheapest auto insurance in Utah for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $1,323 per year, or about $110 per month.

  2. Progressive: $1,594 per year, or about $133 per month.

  3. Farm Bureau Financial Services: $1,791 per year, or about $149 per month.

  4. American Family: $1,806 per year, or about $150 per month.

  5. Nationwide: $1,937 per year, or about $161 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for 29 of the 48 driver profiles we examined.

Minimum auto insurance limits required in Utah

Utah is a no-fault state; motorists must carry liability insurance and personal injury protection (PIP) in at least the following amounts:

  • $25,000 bodily injury liability coverage per person.

  • $65,000 bodily injury liability coverage per accident.

  • $15,000 property damage liability coverage per accident.

  • $3,000 PIP.

Although this will be enough to drive legally, the bare minimum car insurance might not be enough to pay costs if you cause a severe crash. For instance, if you total another driver’s vehicle, the repair bill could easily exceed $15,000. Whatever your policy doesn’t cover would have to come out of your own pocket.

Check out NerdWallet’s guide to car insurance requirements by state for more details on selecting coverages and limits for your Utah auto policy.

Alternative car insurance in Utah

If crashes, DUIs or other factors are preventing you from getting car insurance on the voluntary market, you can apply for coverage through the Utah Automobile Insurance Plan.

For more help finding cheap auto insurance in Utah, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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 the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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