The Cheapest Car Insurance in Utah for April 2024

QBE offers the cheapest car insurance in Utah, with an average annual rate of $1,287 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Utah isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Utah is QBE at $1,287 per year on average, or $107 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Utah. Meanwhile, the average cost of full coverage car insurance in Utah is $1,795 per year, or about $150 per month.

Minimum coverage in Utah is $731 per year on average, but we found you can likely get a cheaper policy. For example, QBE offers the cheapest rates in Utah at $414 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Salt Lake City.

How we chose the cheapest companies in Utah

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Utah and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Utah 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Farm Bureau Financial Services: $2,889 per year, or about $241 per month.
  2. Allstate: $7,304 per year, or about $609 per month.
  3. American Family: $4,332 per year, or about $361 per month.
  4. Auto-Owners: $3,229 per year, or about $269 per month.
  5. Farmers: $9,241 per year, or about $770 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. Farm Bureau Financial Services: $1,051 per year, or about $88 per month.
  2. Allstate: $1,917 per year, or about $160 per month.
  3. American Family: $2,090 per year, or about $174 per month.
  4. Auto-Owners: $1,174 per year, or about $98 per month.
  5. Farmers: $3,527 per year, or about $294 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. Farm Bureau Financial Services: $1,964 per year, or about $164 per month.
  2. Allstate: $2,481 per year, or about $207 per month.
  3. American Family: $3,329 per year, or about $277 per month.
  4. Auto-Owners: $2,615 per year, or about $218 per month.
  5. Farmers: $5,639 per year, or about $470 per month.

Cheapest auto insurance in Utah for 20-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $1,220 per year, or about $102 per month.
  2. Allstate: $2,520 per year, or about $210 per month.
  3. American Family: $2,494 per year, or about $208 per month.
  4. Auto-Owners: $1,680 per year, or about $140 per month.
  5. Farmers: $6,055 per year, or about $505 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. Farm Bureau Financial Services: $1,622 per year, or about $135 per month.
  2. Allstate: $2,951 per year, or about $246 per month.
  3. American Family: $2,633 per year, or about $219 per month.
  4. Auto-Owners: $1,589 per year, or about $132 per month.
  5. Geico: $1,956 per year, or about $163 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. Farm Bureau Financial Services: $1,657 per year, or about $138 per month.
  2. Allstate: $3,158 per year, or about $263 per month.
  3. American Family: $2,681 per year, or about $223 per month.
  4. Auto-Owners: $3,898 per year, or about $325 per month.
  5. Geico: $2,366 per year, or about $197 per month.

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

  1. Farm Bureau Financial Services: $1,485 per year, or about $124 per month.
  2. Allstate: $2,955 per year, or about $246 per month.
  3. American Family: $1,557 per year, or about $130 per month.
  4. Auto-Owners: $1,356 per year, or about $113 per month.
  5. Farmers: $4,150 per year, or about $346 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. Farm Bureau Financial Services: $477 per year, or about $40 per month.
  2. Allstate: $837 per year, or about $70 per month.
  3. American Family: $782 per year, or about $65 per month.
  4. Auto-Owners: $426 per year, or about $35 per month.
  5. Farmers: $1,518 per year, or about $127 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. Farm Bureau Financial Services: $2,761 per year, or about $230 per month.
  2. Allstate: $5,170 per year, or about $431 per month.
  3. American Family: $2,623 per year, or about $219 per month.
  4. Auto-Owners: $3,188 per year, or about $266 per month.
  5. Farmers: $9,023 per year, or about $752 per month.

Cheapest auto insurance in Utah for 30-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $532 per year, or about $44 per month.
  2. Allstate: $1,114 per year, or about $93 per month.
  3. American Family: $935 per year, or about $78 per month.
  4. Auto-Owners: $610 per year, or about $51 per month.
  5. Farmers: $2,090 per year, or about $174 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. Farm Bureau Financial Services: $2,191 per year, or about $183 per month.
  2. Allstate: $4,397 per year, or about $366 per month.
  3. American Family: $2,097 per year, or about $175 per month.
  4. Auto-Owners: $2,055 per year, or about $171 per month.
  5. Farmers: $7,799 per year, or about $650 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. Farm Bureau Financial Services: $2,144 per year, or about $179 per month.
  2. Allstate: $4,580 per year, or about $382 per month.
  3. American Family: $2,365 per year, or about $197 per month.
  4. Auto-Owners: $4,276 per year, or about $356 per month.
  5. Farmers: $9,273 per year, or about $773 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. Farm Bureau Financial Services: $1,459 per year, or about $122 per month.
  2. Allstate: $2,955 per year, or about $246 per month.
  3. American Family: $1,531 per year, or about $128 per month.
  4. Auto-Owners: $1,378 per year, or about $115 per month.
  5. Farmers: $3,977 per year, or about $331 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. Farm Bureau Financial Services: $471 per year, or about $39 per month.
  2. Allstate: $837 per year, or about $70 per month.
  3. American Family: $745 per year, or about $62 per month.
  4. Auto-Owners: $451 per year, or about $38 per month.
  5. Farmers: $1,456 per year, or about $121 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. Farm Bureau Financial Services: $2,735 per year, or about $228 per month.
  2. Allstate: $5,170 per year, or about $431 per month.
  3. American Family: $2,549 per year, or about $212 per month.
  4. Auto-Owners: $3,165 per year, or about $264 per month.
  5. Farmers: $8,600 per year, or about $717 per month.

Cheapest auto insurance in Utah for 40-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $524 per year, or about $44 per month.
  2. Allstate: $1,114 per year, or about $93 per month.
  3. American Family: $898 per year, or about $75 per month.
  4. Auto-Owners: $647 per year, or about $54 per month.
  5. Farmers: $2,024 per year, or about $169 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. Farm Bureau Financial Services: $2,150 per year, or about $179 per month.
  2. Allstate: $4,397 per year, or about $366 per month.
  3. American Family: $2,069 per year, or about $172 per month.
  4. Auto-Owners: $2,082 per year, or about $173 per month.
  5. Farmers: $7,440 per year, or about $620 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. Farm Bureau Financial Services: $2,115 per year, or about $176 per month.
  2. Allstate: $4,580 per year, or about $382 per month.
  3. American Family: $2,338 per year, or about $195 per month.
  4. Auto-Owners: $4,373 per year, or about $364 per month.
  5. Farmers: $8,842 per year, or about $737 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 cheap auto 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. Farm Bureau Financial Services: $1,388 per year, or about $116 per month.
  2. Allstate: $2,725 per year, or about $227 per month.
  3. American Family: $1,467 per year, or about $122 per month.
  4. Auto-Owners: $1,304 per year, or about $109 per month.
  5. Farmers: $3,634 per year, or about $303 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. Farm Bureau Financial Services: $450 per year, or about $37 per month.
  2. Allstate: $762 per year, or about $63 per month.
  3. American Family: $716 per year, or about $60 per month.
  4. Auto-Owners: $425 per year, or about $35 per month.
  5. Farmers: $1,316 per year, or about $110 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. Farm Bureau Financial Services: $2,600 per year, or about $217 per month.
  2. Allstate: $4,760 per year, or about $397 per month.
  3. American Family: $2,453 per year, or about $204 per month.
  4. Auto-Owners: $2,978 per year, or about $248 per month.
  5. Farmers: $7,922 per year, or about $660 per month.

Cheapest auto insurance in Utah for 50-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $501 per year, or about $42 per month.
  2. Allstate: $1,039 per year, or about $87 per month.
  3. American Family: $865 per year, or about $72 per month.
  4. Auto-Owners: $610 per year, or about $51 per month.
  5. Farmers: $1,864 per year, or about $155 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. Farm Bureau Financial Services: $2,047 per year, or about $171 per month.
  2. Allstate: $4,153 per year, or about $346 per month.
  3. American Family: $1,985 per year, or about $165 per month.
  4. Auto-Owners: $1,961 per year, or about $163 per month.
  5. Farmers: $6,729 per year, or about $561 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. Farm Bureau Financial Services: $2,010 per year, or about $167 per month.
  2. Allstate: $4,186 per year, or about $349 per month.
  3. American Family: $2,237 per year, or about $186 per month.
  4. Auto-Owners: $4,078 per year, or about $340 per month.
  5. Farmers: $8,152 per year, or about $679 per month.

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 car 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. Farm Bureau Financial Services: $1,384 per year, or about $115 per month.
  2. Allstate: $2,688 per year, or about $224 per month.
  3. American Family: $1,463 per year, or about $122 per month.
  4. Auto-Owners: $1,281 per year, or about $107 per month.
  5. Farmers: $3,342 per year, or about $279 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. Farm Bureau Financial Services: $451 per year, or about $38 per month.
  2. Allstate: $787 per year, or about $66 per month.
  3. American Family: $716 per year, or about $60 per month.
  4. Auto-Owners: $426 per year, or about $35 per month.
  5. Farmers: $1,242 per year, or about $104 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. Farm Bureau Financial Services: $2,593 per year, or about $216 per month.
  2. Allstate: $4,783 per year, or about $399 per month.
  3. American Family: $2,448 per year, or about $204 per month.
  4. Auto-Owners: $2,877 per year, or about $240 per month.
  5. Farmers: $7,289 per year, or about $607 per month.

Cheapest auto insurance in Utah for 60-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $502 per year, or about $42 per month.
  2. Allstate: $1,067 per year, or about $89 per month.
  3. American Family: $864 per year, or about $72 per month.
  4. Auto-Owners: $611 per year, or about $51 per month.
  5. Farmers: $1,757 per year, or about $146 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. Farm Bureau Financial Services: $2,038 per year, or about $170 per month.
  2. Allstate: $4,145 per year, or about $345 per month.
  3. American Family: $1,979 per year, or about $165 per month.
  4. Auto-Owners: $1,925 per year, or about $160 per month.
  5. Farmers: $6,176 per year, or about $515 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. Farm Bureau Financial Services: $2,008 per year, or about $167 per month.
  2. Allstate: $4,218 per year, or about $351 per month.
  3. American Family: $2,231 per year, or about $186 per month.
  4. Auto-Owners: $4,009 per year, or about $334 per month.
  5. Farmers: $7,414 per year, or about $618 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Utah for 70-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. Farm Bureau Financial Services: $1,453 per year, or about $121 per month.
  2. Allstate: $2,829 per year, or about $236 per month.
  3. American Family: $1,633 per year, or about $136 per month.
  4. Auto-Owners: $1,451 per year, or about $121 per month.
  5. Farmers: $4,004 per year, or about $334 per month.

Cheapest minimum coverage car insurance in Utah for 70-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. Farm Bureau Financial Services: $515 per year, or about $43 per month.
  2. Allstate: $845 per year, or about $70 per month.
  3. American Family: $839 per year, or about $70 per month.
  4. Auto-Owners: $524 per year, or about $44 per month.
  5. Farmers: $1,584 per year, or about $132 per month.

Cheapest auto insurance in Utah for 70-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. Farm Bureau Financial Services: $2,738 per year, or about $228 per month.
  2. Allstate: $5,037 per year, or about $420 per month.
  3. American Family: $2,731 per year, or about $228 per month.
  4. Auto-Owners: $3,229 per year, or about $269 per month.
  5. Farmers: $8,608 per year, or about $717 per month.

Cheapest auto insurance in Utah for 70-year-old drivers with one speeding ticket

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

  1. Farm Bureau Financial Services: $573 per year, or about $48 per month.
  2. Allstate: $1,136 per year, or about $95 per month.
  3. American Family: $1,024 per year, or about $85 per month.
  4. Auto-Owners: $751 per year, or about $63 per month.
  5. Farmers: $2,047 per year, or about $171 per month.

Cheapest auto insurance in Utah for 70-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. Farm Bureau Financial Services: $2,141 per year, or about $178 per month.
  2. Allstate: $4,450 per year, or about $371 per month.
  3. American Family: $2,240 per year, or about $187 per month.
  4. Auto-Owners: $2,215 per year, or about $185 per month.
  5. Farmers: $6,623 per year, or about $552 per month.

Cheapest auto insurance in Utah for 70-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. Farm Bureau Financial Services: $2,117 per year, or about $176 per month.
  2. Allstate: $4,322 per year, or about $360 per month.
  3. American Family: $2,526 per year, or about $211 per month.
  4. Auto-Owners: $4,708 per year, or about $392 per month.
  5. Farmers: $7,742 per year, or about $645 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 among the cheapest three auto insurance options for 68 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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