The Cheapest Car Insurance in Utah for May 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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Table of Contents

Table of Contents

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 $950 per year on average, or $79 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 $1,496 per year, or about $125 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Utah. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Utah is $591 per year on average, but we found you can likely get a cheaper policy. For example, QBE offers the cheapest rates in Utah at $279 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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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 2021 Toyota Camry LE. 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. QBE: $1,660 per year, or about $138 per month.
  2. Geico: $2,342 per year, or about $195 per month.
  3. Nationwide: $2,999 per year, or about $250 per month.
  4. Farm Bureau Financial Services: $3,064 per year, or about $255 per month.
  5. Farmers Union: $3,136 per year, or about $261 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. QBE: $422 per year, or about $35 per month.
  2. Geico: $843 per year, or about $70 per month.
  3. Farm Bureau Financial Services: $1,078 per year, or about $90 per month.
  4. Farmers Union: $1,102 per year, or about $92 per month.
  5. Auto-Owners: $1,162 per year, or about $97 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. QBE: $759 per year, or about $63 per month.
  2. Geico: $1,077 per year, or about $90 per month.
  3. Kemper: $1,925 per year, or about $160 per month.
  4. Progressive: $1,928 per year, or about $161 per month.
  5. Farmers Union: $1,962 per year, or about $163 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. QBE: $584 per year, or about $49 per month.
  2. Geico: $933 per year, or about $78 per month.
  3. Farm Bureau Financial Services: $1,252 per year, or about $104 per month.
  4. Progressive: $1,341 per year, or about $112 per month.
  5. Farmers Union: $1,394 per year, or about $116 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. QBE: $794 per year, or about $66 per month.
  2. Geico: $1,086 per year, or about $91 per month.
  3. Progressive: $1,477 per year, or about $123 per month.
  4. Auto-Owners: $1,592 per year, or about $133 per month.
  5. Nationwide: $1,655 per year, or about $138 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. QBE: $794 per year, or about $66 per month.
  2. Progressive: $1,270 per year, or about $106 per month.
  3. Geico: $1,428 per year, or about $119 per month.
  4. Kemper: $1,613 per year, or about $134 per month.
  5. Farm Bureau Financial Services: $1,690 per year, or about $141 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. QBE: $906 per year, or about $76 per month.
  2. Geico: $1,104 per year, or about $92 per month.
  3. Nationwide: $1,142 per year, or about $95 per month.
  4. American Family: $1,322 per year, or about $110 per month.
  5. Auto-Owners: $1,350 per year, or about $112 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. QBE: $237 per year, or about $20 per month.
  2. Geico: $368 per year, or about $31 per month.
  3. Auto-Owners: $420 per year, or about $35 per month.
  4. Farmers Union: $475 per year, or about $40 per month.
  5. Farm Bureau Financial Services: $490 per year, or about $41 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: $1,417 per year, or about $118 per month.
  2. QBE: $1,544 per year, or about $129 per month.
  3. Nationwide: $1,637 per year, or about $136 per month.
  4. American Family: $2,182 per year, or about $182 per month.
  5. Progressive: $2,602 per year, or about $217 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. QBE: $355 per year, or about $30 per month.
  2. Geico: $431 per year, or about $36 per month.
  3. Farm Bureau Financial Services: $547 per year, or about $46 per month.
  4. Auto-Owners: $599 per year, or about $50 per month.
  5. Farmers Union: $634 per year, or about $53 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: $1,584 per year, or about $132 per month.
  2. QBE: $1,850 per year, or about $154 per month.
  3. Geico: $1,891 per year, or about $158 per month.
  4. Nationwide: $1,951 per year, or about $163 per month.
  5. Auto-Owners: $2,058 per year, or about $172 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. Progressive: $1,697 per year, or about $141 per month.
  2. QBE: $1,850 per year, or about $154 per month.
  3. American Family: $2,041 per year, or about $170 per month.
  4. Farm Bureau Financial Services: $2,289 per year, or about $191 per month.
  5. Nationwide: $2,473 per year, or about $206 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. QBE: $1,060 per year, or about $88 per month.
  2. Nationwide: $1,091 per year, or about $91 per month.
  3. Geico: $1,105 per year, or about $92 per month.
  4. Farmers Union: $1,159 per year, or about $97 per month.
  5. American Family: $1,313 per year, or about $109 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. QBE: $298 per year, or about $25 per month.
  2. Geico: $368 per year, or about $31 per month.
  3. Farmers Union: $397 per year, or about $33 per month.
  4. Auto-Owners: $443 per year, or about $37 per month.
  5. Farm Bureau Financial Services: $481 per year, or about $40 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: $1,417 per year, or about $118 per month.
  2. Nationwide: $1,573 per year, or about $131 per month.
  3. QBE: $1,651 per year, or about $138 per month.
  4. American Family: $2,163 per year, or about $180 per month.
  5. Farmers Union: $2,210 per year, or about $184 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. Geico: $431 per year, or about $36 per month.
  2. QBE: $471 per year, or about $39 per month.
  3. Farm Bureau Financial Services: $536 per year, or about $45 per month.
  4. Farmers Union: $544 per year, or about $45 per month.
  5. Progressive: $610 per year, or about $51 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: $1,575 per year, or about $131 per month.
  2. Nationwide: $1,877 per year, or about $156 per month.
  3. Geico: $1,880 per year, or about $157 per month.
  4. Auto-Owners: $2,082 per year, or about $174 per month.
  5. Farmers Union: $2,162 per year, or about $180 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. Progressive: $1,591 per year, or about $133 per month.
  2. American Family: $2,031 per year, or about $169 per month.
  3. Farm Bureau Financial Services: $2,233 per year, or about $186 per month.
  4. QBE: $2,255 per year, or about $188 per month.
  5. United Insurance Group: $2,297 per year, or about $191 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. QBE: $993 per year, or about $83 per month.
  2. Nationwide: $1,027 per year, or about $86 per month.
  3. Farmers Union: $1,060 per year, or about $88 per month.
  4. Geico: $1,249 per year, or about $104 per month.
  5. American Family: $1,266 per year, or about $105 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. QBE: $279 per year, or about $23 per month.
  2. Farmers Union: $357 per year, or about $30 per month.
  3. Geico: $398 per year, or about $33 per month.
  4. Auto-Owners: $418 per year, or about $35 per month.
  5. Farm Bureau Financial Services: $462 per year, or about $38 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. Nationwide: $1,466 per year, or about $122 per month.
  2. QBE: $1,552 per year, or about $129 per month.
  3. Geico: $1,611 per year, or about $134 per month.
  4. Farmers Union: $1,965 per year, or about $164 per month.
  5. American Family: $2,089 per year, or about $174 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. Geico: $470 per year, or about $39 per month.
  2. QBE: $492 per year, or about $41 per month.
  3. Farm Bureau Financial Services: $515 per year, or about $43 per month.
  4. Farmers Union: $572 per year, or about $48 per month.
  5. Progressive: $582 per year, or about $49 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: $1,511 per year, or about $126 per month.
  2. Nationwide: $1,787 per year, or about $149 per month.
  3. Auto-Owners: $1,962 per year, or about $163 per month.
  4. Progressive: $2,103 per year, or about $175 per month.
  5. Geico: $2,119 per year, or about $177 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. Progressive: $1,459 per year, or about $122 per month.
  2. American Family: $1,952 per year, or about $163 per month.
  3. Farm Bureau Financial Services: $2,125 per year, or about $177 per month.
  4. United Insurance Group: $2,142 per year, or about $179 per month.
  5. QBE: $2,260 per year, or about $188 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. QBE: $945 per year, or about $79 per month.
  2. Nationwide: $954 per year, or about $79 per month.
  3. Farmers Union: $1,048 per year, or about $87 per month.
  4. Progressive: $1,218 per year, or about $101 per month.
  5. Geico: $1,249 per year, or about $104 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. QBE: $280 per year, or about $23 per month.
  2. Farmers Union: $350 per year, or about $29 per month.
  3. Geico: $409 per year, or about $34 per month.
  4. Auto-Owners: $418 per year, or about $35 per month.
  5. Farm Bureau Financial Services: $458 per year, or about $38 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. Nationwide: $1,367 per year, or about $114 per month.
  2. QBE: $1,476 per year, or about $123 per month.
  3. Geico: $1,611 per year, or about $134 per month.
  4. Farmers Union: $1,944 per year, or about $162 per month.
  5. American Family: $2,083 per year, or about $174 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. Geico: $476 per year, or about $40 per month.
  2. QBE: $497 per year, or about $41 per month.
  3. Farm Bureau Financial Services: $511 per year, or about $43 per month.
  4. Farmers Union: $562 per year, or about $47 per month.
  5. Progressive: $569 per year, or about $47 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: $1,507 per year, or about $126 per month.
  2. Nationwide: $1,680 per year, or about $140 per month.
  3. Auto-Owners: $1,928 per year, or about $161 per month.
  4. Progressive: $2,037 per year, or about $170 per month.
  5. Geico: $2,119 per year, or about $177 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. Progressive: $1,391 per year, or about $116 per month.
  2. American Family: $1,945 per year, or about $162 per month.
  3. Farm Bureau Financial Services: $2,104 per year, or about $175 per month.
  4. United Insurance Group: $2,104 per year, or about $175 per month.
  5. Kemper: $2,156 per year, or about $180 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. Nationwide: $1,063 per year, or about $89 per month.
  2. QBE: $1,071 per year, or about $89 per month.
  3. Farmers Union: $1,204 per year, or about $100 per month.
  4. Geico: $1,359 per year, or about $113 per month.
  5. Progressive: $1,369 per year, or about $114 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. QBE: $358 per year, or about $30 per month.
  2. Farmers Union: $393 per year, or about $33 per month.
  3. Geico: $449 per year, or about $37 per month.
  4. Auto-Owners: $516 per year, or about $43 per month.
  5. Farm Bureau Financial Services: $522 per year, or about $43 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. QBE: $1,506 per year, or about $126 per month.
  2. Nationwide: $1,515 per year, or about $126 per month.
  3. Geico: $1,753 per year, or about $146 per month.
  4. Farmers Union: $2,186 per year, or about $182 per month.
  5. American Family: $2,329 per year, or about $194 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. Geico: $522 per year, or about $44 per month.
  2. Farm Bureau Financial Services: $582 per year, or about $48 per month.
  3. Progressive: $672 per year, or about $56 per month.
  4. QBE: $686 per year, or about $57 per month.
  5. Farmers Union: $700 per year, or about $58 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. American Family: $1,696 per year, or about $141 per month.
  2. Nationwide: $1,850 per year, or about $154 per month.
  3. Geico: $2,136 per year, or about $178 per month.
  4. Auto-Owners: $2,224 per year, or about $185 per month.
  5. Farm Bureau Financial Services: $2,239 per year, or about $187 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. Progressive: $1,650 per year, or about $138 per month.
  2. American Family: $2,199 per year, or about $183 per month.
  3. Farm Bureau Financial Services: $2,213 per year, or about $184 per month.
  4. Nationwide: $2,371 per year, or about $198 per month.
  5. Kemper: $2,533 per year, or about $211 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 65 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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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