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Best Cheap Car Insurance in Utah for 2021

Dec. 8, 2020
Auto Insurance, Insurance
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Shopping around is crucial to finding cheap car insurance in Utah. Costs vary depending on your age, driving record, credit and other factors. In some cases, prices rise or fall from one insurer to the next for seemingly no reason.

To help you compare estimates in the Beehive State, NerdWallet researched quotes from the 27 insurers and found the five cheapest options for several types of drivers.

Cheapest for 20-year-old drivers in Utah

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 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: $1,819 per year.
  2. Esurance: $2,293 per year.
  3. Farm Bureau Financial Services: $2,332 per year.
  4. Nationwide: $2,430 per year.
  5. American Family: $2,620 per year.

Cheapest minimum coverage 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: $636 per year.
  2. Allstate: $947 per year.
  3. Farm Bureau Financial Services: $1,063 per year.
  4. Nationwide: $1,128 per year.
  5. Esurance: $1,181 per year.

Cheapest coverage for 20-year-olds with poor credit in Utah

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

  1. Geico: $813 per year.
  2. Allstate: $1,316 per year.
  3. Nationwide: $1,548 per year.
  4. Esurance: $1,802 per year.
  5. Kemper: $1,888 per year.

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

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

  1. Geico: $839 per year.
  2. Allstate: $1,236 per year.
  3. Nationwide: $1,302 per year.
  4. American Family: $1,531 per year.
  5. Esurance: $1,594 per year.

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

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

  1. Geico: $833 per year.
  2. Allstate: $1,259 per year.
  3. Esurance: $1,323 per year.
  4. Progressive: $1,353 per year.
  5. Nationwide: $1,559 per year.

Cheapest for 30-year-old drivers in Utah

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 in Utah for 30-year-olds

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

  1. Geico: $930 per year.
  2. Esurance: $1,016 per year.
  3. Nationwide: $1,063 per year.
  4. Farm Bureau Financial Services: $1,137 per year.
  5. Auto-Owners: $1,281 per year.

Cheapest minimum coverage 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: $307 per year.
  2. Farm Bureau Financial Services: $476 per year.
  3. Nationwide: $480 per year.
  4. Auto-Owners: $502 per year.
  5. Progressive: $606 per year.

Cheapest coverage for 30-year-olds with poor credit in Utah

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

  1. Geico: $1,246 per year.
  2. Nationwide: $1,500 per year.
  3. Esurance: $1,787 per year.
  4. Farm Bureau Financial Services: $2,174 per year.
  5. Farmers: $2,635 per year.

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

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

  1. Geico: $1,480 per year.
  2. American Family: $1,623 per year.
  3. Farm Bureau Financial Services: $1,660 per year.
  4. Nationwide: $1,695 per year.
  5. Auto-Owners: $2,011 per year.

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

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

  1. Geico: $1,274 per year.
  2. Esurance: $1,571 per year.
  3. Farm Bureau Financial Services: $1,724 per year.
  4. Progressive: $1,773 per year.
  5. American Family: $1,998 per year.

Cheapest for 40-year-old drivers in Utah

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 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: $924 per year.
  2. Esurance: $981 per year.
  3. Nationwide: $1,021 per year.
  4. Farm Bureau Financial Services: $1,135 per year.
  5. Auto-Owners: $1,359 per year.

Cheapest minimum coverage 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: $306 per year.
  2. Nationwide: $459 per year.
  3. Farm Bureau Financial Services: $476 per year.
  4. Auto-Owners: $547 per year.
  5. Progressive: $589 per year.

Cheapest coverage for 40-year-olds with poor credit in Utah

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

  1. Geico: $1,237 per year.
  2. Nationwide: $1,441 per year.
  3. Esurance: $1,726 per year.
  4. Farm Bureau Financial Services: $2,191 per year.
  5. Farmers: $2,641 per year.

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

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

  1. Geico: $1,468 per year.
  2. American Family: $1,590 per year.
  3. Nationwide: $1,639 per year.
  4. Farm Bureau Financial Services: $1,656 per year.
  5. Esurance: $1,973 per year.

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

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

  1. Geico: $1,286 per year.
  2. Esurance: $1,529 per year.
  3. Farm Bureau Financial Services: $1,721 per year.
  4. Progressive: $1,742 per year.
  5. American Family: $1,964 per year.

Cheapest for 50-year-old drivers in Utah

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 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: $902 per year.
  2. Esurance: $914 per year.
  3. Nationwide: $952 per year.
  4. Farm Bureau Financial Services: $1,087 per year.
  5. Auto-Owners: $1,317 per year.

Cheapest minimum coverage 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: $299 per year.
  2. Nationwide: $433 per year.
  3. Farm Bureau Financial Services: $454 per year.
  4. Auto-Owners: $519 per year.
  5. Progressive: $561 per year.

Cheapest coverage for 50-year-olds with poor credit in Utah

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

  1. Geico: $1,210 per year.
  2. Nationwide: $1,342 per year.
  3. Esurance: $1,599 per year.
  4. Farm Bureau Financial Services: $2,095 per year.
  5. Farmers: $2,425 per year.

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

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

  1. Geico: $1,482 per year.
  2. Nationwide: $1,548 per year.
  3. American Family: $1,563 per year.
  4. Farm Bureau Financial Services: $1,586 per year.
  5. Esurance: $2,020 per year.

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

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: $1,291 per year.
  2. Esurance: $1,529 per year.
  3. Progressive: $1,638 per year.
  4. Farm Bureau Financial Services: $1,648 per year.
  5. American Family: $1,933 per year.

Cheapest for 65-year-old drivers in Utah

Although 65-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 mid-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 in Utah for 65-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: $914 per year.
  2. Geico: $982 per year.
  3. Esurance: $1,022 per year.
  4. Farm Bureau Financial Services: $1,098 per year.
  5. Progressive: $1,441 per year.

Cheapest minimum coverage in Utah for 65-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: $330 per year.
  2. Nationwide: $426 per year.
  3. Farm Bureau Financial Services: $463 per year.
  4. Progressive: $589 per year.
  5. Auto-Owners: $592 per year.

Cheapest coverage for 65-year-olds with poor credit in Utah

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

  1. Nationwide: $1,283 per year.
  2. Geico: $1,317 per year.
  3. Esurance: $1,735 per year.
  4. Farm Bureau Financial Services: $2,117 per year.
  5. Progressive: $2,502 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Utah

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

  1. Nationwide: $1,496 per year.
  2. American Family: $1,571 per year.
  3. Geico: $1,595 per year.
  4. Farm Bureau Financial Services: $1,602 per year.
  5. State Farm: $2,130 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Utah

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

  1. Geico: $1,384 per year.
  2. Farm Bureau Financial Services: $1,664 per year.
  3. Esurance: $1,793 per year.
  4. Progressive: $1,819 per year.
  5. Nationwide: $1,940 per year.

Cheapest 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 all 40 of the 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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