Cheapest Auto Insurance in Utah (2025)
USAA offers the cheapest liability car insurance in Utah, at $61 per month.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
The average monthly cost of car insurance in the state of Utah is $124, which is lower than the national average of $143. The Beehive State is home to 3.5 million residents, but it has a low population density of 39.7 people per square mile.1 This low population density may explain why Utah drivers pay affordable average rates.
Here’s what you need to know about finding cheap car insurance in Utah.
3 of the cheapest car insurance companies in Utah
The right amount of car insurance coverage will vary for each person, depending on your needs and budget. Car insurance companies calculate your monthly premium based on your driving record, age, credit history, ZIP code, and more. It’s important to compare quotes from multiple auto insurers.
Below is a breakdown of three of the cheapest companies in Utah.
USAA
Auto-Owners
State Farm
USAA vs. Auto-Owners and State Farm
If you’re shopping for car insurance in Utah, see how these three companies compare.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get the cheapest car insurance in Utah
If you want to get cheap car insurance in Utah, you can lower your costs in a few different ways:
Look for discounts. Some insurance companies offer more discounts than others, or at higher levels. Check out what discounts are available and how much you could save.
Shop around. Check out a handful of insurance companies, look at customer reviews and coverage options, and compare car insurance quotes.
Maintain a good driving history. If you wear your seat belt, follow the speed limit, avoid distracted driving, and keep a clean driving record free of car accidents or speeding tickets, you can get low rates.
Cheapest liability-only car insurance quotes in Utah: USAA
Utah requires drivers to purchase a minimum amount of liability insurance. This minimum level of coverage for bodily injury and property damage covers the expenses for the other driver if you cause an accident. Keep in mind that though it’s the cheapest coverage option, it may leave you in a vulnerable spot, as it doesn’t pay for your vehicle damages.2
Here are the cheapest liability-only car insurance companies in Utah.
Cheapest full-coverage car insurance quotes in Utah: USAA
Full-coverage insurance includes liability, collision, and comprehensive coverages. In addition, you can look into more coverage options you might want included in your policy. Full-coverage insurance differs from liability coverage because it offers more expansive vehicle protections. And your lender may require you to buy it if you finance or lease your vehicle.
Utah drivers who want higher levels of protection should look into affordable full-coverage options from the following companies.
Car insurance requirements in Utah
In Utah, drivers must obtain minimum amounts of bodily injury and property damage liability coverage. As a no-fault state, Utah also requires PIP coverage so drivers can file a claim with their insurance company to cover their medical costs in the event of an incident, regardless of fault.
Utah drivers need to carry the following:3
It can be a good idea to consider buying additional coverages to provide more protection. These are some common optional coverages:
Average cost of car insurance by age
Age is one of the many factors companies use to determine your quotes. Teens and drivers younger than 25 pay the most for coverage due to their lack of experience. As drivers age and gain more experience, their rates start to decrease.
Older drivers tend to have the lowest quotes because they typically drive less and have a high level of experience. But around age 70, seniors could see their premiums increase due to a higher accident risk.
Cheapest car insurance in Utah by driving record
Your driving record is a key factor for car insurance companies when determining quotes, and having a clean driving record will help you qualify for lower rates. Having an incident on your record, such as a speeding ticket, at-fault accident, driving under the influence (DUI), or another traffic violation, can increase your premiums because of the elevated risk you pose.4
For example, Utah drivers with an at-fault accident pay an average of $127 per month for liability insurance compared to drivers with a clean record, who pay $101 per month.
How car insurance rates have changed in Utah
Full-coverage car insurance in Utah rose to an average of more than $2,000 per year in 2024 — a 15% increase from 2023, an Insurify report found. Contributing factors to this rate hike include population density in major cities, like Salt Lake City and Provo, as well as weather events.
Despite this increase, Utah’s average car insurance remains slightly lower than the national average. The chart below shows how rates have changed over the past two years.
Where you live, down to the ZIP code, can affect how much your car insurance costs. This is because crime rates and accident levels vary by area.
Drivers in less populated areas will likely have cheaper premiums than drivers in Salt Lake City. The table below shows how quotes fluctuate by city.
Utah car insurance FAQs
Before you start shopping around for coverage, you should determine the right amount of car insurance for your needs. The information below should help you navigate the process of buying auto coverage in Utah.
The overall average cost of car insurance in Utah is $1,489 per year. Utah drivers pay an average of $1,209 for liability coverage and $1,769 for full-coverage insurance annually. The monthly average cost of car insurance in Utah is $124. Liability coverage costs $101 per month. Full-coverage insurance costs more, with an average rate of $147 per month.
How much you pay for coverage will depend on your driving record, age, credit history, and more.
USAA has the cheapest liability car insurance in Utah, at $61 per month. Other similar companies that offer affordable coverage include Auto-Owners and National General, with monthly average liability quotes of $75 and $80, respectively. The best way to find cheap quotes is to compare multiple insurance companies.
State Farm has a high Insurify Quality (IQ) Score of 9.3, an A++ (Superior) financial strength rating from AM Best, and low average rates, making it the best car insurance company in Utah. On average, State Farm policyholders in Utah pay $82 per month for liability coverage and $109 for full coverage. Other top companies include Auto-Owners and USAA.
Utah drivers must carry a minimum of $30,000 per person and $65,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and $3,000 in personal injury protection (PIP) coverage.
)
)
)
)
)