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Best Cheap Car Insurance in Utah for 2020

Jan. 2, 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 state’s 11 largest insurers and found the five cheapest options for several types of drivers.

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers in Utah

For a driver in Utah with a clean driving history and good credit, the cheapest car insurance companies and their average rates for full coverage are:

  1. Bear River: $625 per year.
  2. Geico: $815 per year.
  3. Safeco: $1,107 per year.
  4. Farm Bureau Financial Services: $1,196 per year.
  5. Auto Owners: $1,242 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Utah

For bare-bones auto insurance in Utah, these are the cheapest companies for the state’s minimum required coverage and their average rates for a driver with clean driving and credit records:

  1. Bear River: $310 per year.
  2. Safeco: $312 per year.
  3. Geico: $353 per year.
  4. Auto Owners: $549 per year.
  5. Farm Bureau Financial Services: $558 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get car insurance quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

For a Utah driver with blemished credit and a good driving record, the cheapest insurers (and average rates) for full coverage are:

  1. Bear River: $877 per year.
  2. Geico: $1,273 per year.
  3. Safeco: $2,213 per year.
  4. Farm Bureau Financial Services: $2,298 per year.
  5. Auto Owners: $2,516 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

When a driver in Utah has caused a recent on-record accident, these are the cheapest insurance companies and average rates for full coverage:

  1. Bear River: $664 per year.
  2. Geico: $1,438 per year.
  3. Safeco: $1,484 per year.
  4. American Family: $1,604 per year.
  5. Farm Bureau Financial Services: $1,837 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation — and you still may be rejected for coverage from certain companies, including those above. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Utah

For someone whose driving record includes a recent DUI, here are the cheapest car insurance options we found in Utah and their average rates for full coverage:

  1. Bear River: $625 per year.
  2. Farm Bureau Financial Services: $1,353 per year.
  3. American Family: $1,604 per year.
  4. Safeco: $1,606 per year.
  5. Progressive: $1,754 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Be warned that you may be rejected for coverage, including from the companies listed above. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best available price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Utah

Utah drivers with a recent speeding ticket on their record may want to consider these companies, which showed the cheapest average rates for full coverage auto policies:

  1. Bear River: $625 per year.
  2. Geico: $1,010 per year.
  3. Farm Bureau Financial Services: $1,353 per year.
  4. Safeco: $1,379 per year.
  5. Auto Owners: $1,593 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Utah

When you’re buying coverage for multiple cars or several drivers in a family, different companies may be cheapest for you than for a single driver. That’s why it’s smart to shop for insurance quotes after a big life change like getting married or adding a new driver to your policy. To see which companies have the best rates for couples and families in Utah, we checked rates for a 50-year-old couple, with and without a teen driver.

Cheapest for a married couple in Utah

These are the cheapest companies and average rates we found for a husband and wife in Utah, both 50 years old with clean driving and credit histories, insuring two vehicles with full coverage:

  1. Bear River: $985 per year.
  2. Geico: $1,105 per year.
  3. Safeco: $1,462 per year.
  4. Auto Owners: $1,809 per year.
  5. Farm Bureau Financial Services: $1,881 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Utah

For a 50-year-old Utah couple plus an 18-year-old driver, here are the cheapest car insurance companies and average rates for full coverage on two vehicles:

  1. Bear River: $1,499 per year.
  2. Geico: $1,901 per year.
  3. Safeco: $1,936 per year.
  4. Farm Bureau Financial Services: $3,091 per year.
  5. Progressive: $4,021 per year.
Adding a teen with two years’ driving experience to a married couple's policy is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers.

Cheapest for young drivers in Utah

Cheap car insurance isn’t always easy to come by for people in their 20s, who almost always pay higher rates than drivers with more experience. But some companies are cheaper for young drivers than others, because each insurer considers factors like age and experience differently. To find the cheapest options for young drivers, we analyzed rates for 25-year-olds in Utah.

Cheapest full coverage for young good drivers

For 25-year-olds in Utah buying full coverage auto insurance, these the cheapest companies and average rates, assuming clean driving and credit records:

  1. Bear River: $771 per year.
  2. Geico: $862 per year.
  3. Farm Bureau Financial Services: $1,240 per year.
  4. Safeco: $1,342 per year.
  5. Allstate: $1,579 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

Here are the cheapest companies and average rates for a young driver sticking with Utah’s minimum required car insurance:

  1. Safeco: $360 per year.
  2. Bear River: $365 per year.
  3. Geico: $374 per year.
  4. Farm Bureau Financial Services: $572 per year.
  5. Allstate: $727 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For a 25-year-old Utah driver with poor credit and a good driving history, these are the cheapest insurers and average rates for minimum coverage:

  1. Bear River: $519 per year.
  2. Geico: $562 per year.
  3. Safeco: $650 per year.
  4. Farm Bureau Financial Services: $1,060 per year.
  5. Allstate: $1,160 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

For a young driver in Utah who wants minimum required insurance after causing a recent accident, these are the cheapest companies and their average rates:

  1. Bear River: $422 per year.
  2. Safeco: $465 per year.
  3. Geico: $610 per year.
  4. Farm Bureau Financial Services: $877 per year.
  5. Allstate: $1,027 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. Depending on your situation, you may still be rejected for coverage, including from the companies listed above. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

After a DUI, these insurance companies show the cheapest average rates for a 25-year-old driver in Utah buying minimum coverage:

  1. Bear River: $399 per year.
  2. Safeco: $488 per year.
  3. Farm Bureau Financial Services: $646 per year.
  4. Geico: $872 per year.
  5. Allstate: $949 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. Depending on the circumstances, you may be rejected for coverage, including from the companies listed above. But spending the time to shop around for quotes can help you find the lowest price from a company available to you. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent DUI conviction. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

A young driver in Utah with a recent speeding ticket may want to get quotes from these insurers, which returned the cheapest average rates for minimum coverage:

  1. Bear River: $399 per year.
  2. Safeco: $434 per year.
  3. Geico: $441 per year.
  4. Farm Bureau Financial Services: $646 per year.
  5. Allstate: $797 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

For drivers with a military connection, cheap car insurance is often available through USAA, which offers policies exclusively to active service members, veterans and their families. USAA isn’t ranked in the lists above because it’s not available to everyone, but it was one of the three cheapest options in Utah for all 14 driver categories we analyzed.

Recap: Cheapest car insurance in Utah

  • Good drivers: Bear River
  • Minimum coverage: Bear River
  • Poor credit: Bear River
  • After an at-fault crash: Bear River
  • After a DUI: Bear River
  • After a speeding ticket: Bear River
  • Married couples: Bear River
  • Families with a teen: Bear River
  • Young good drivers: Bear River
  • Minimum coverage for young good drivers: Safeco
  • Minimum coverage for young drivers with poor credit: Bear River
  • Minimum coverage for young drivers after a crash: Bear River
  • Minimum coverage for young drivers after a DUI: Bear River
  • Minimum coverage for young drivers after a ticket: Bear River

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.