Best Car Insurance in Utah (2025)
Auto-Owners, State Farm, and USAA are among the best car insurance companies in Utah.
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Each driver in Utah has unique car insurance needs and priorities, so finding the right insurance company can be challenging. To help you find the best car insurance in Utah, Insurify analyzed 50 car insurance companies based on features like cost, discounts, coverage options, customer satisfaction, and more.
Here’s what you should know about the best car insurance companies in Utah.
Best car insurance companies in Utah
The best car insurance company in Utah is different for every driver. These five insurance companies are some of the best options for people in the Beehive State, based on Insurify’s evaluation of the largest companies.
Auto-Owners: Best overall
State Farm: Best for young drivers
USAA: Best for military families
American Family: Best for discounts
Root: Best for low rates
Our editorial team analyzed regional and national auto insurance companies that sell policies in Utah to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Utah
The best car insurance in Utah for you depends on your coverage needs, preferences, budget, and other personal factors. Here are some tips that can help you find the best insurer.
Average cost of car insurance in Utah
The average cost of car insurance in Utah is $101 per month for liability-only insurance and $147 per month for full coverage. Utah’s average premium is slightly lower than the U.S. national monthly average rates of $103 for liability coverage and $182 for full coverage.
Car insurance rates vary for each driver. Some of the biggest factors that can affect rates include ZIP code, age, driving history, credit history, vehicle type, coverage limits, and deductibles.1
Additionally, many drivers in Utah may face higher rates in 2025 because of recent legislative changes that increased the state’s minimum-coverage limits to $30,000 in bodily injury liability per person, $65,000 in bodily injury liability per accident, and $25,000 in property damage liability.2 This could lead to more expensive premiums for drivers with liability-only coverage, but it also provides a greater level of financial protection for drivers who cause an accident.
Best car insurance in Utah FAQs
Many reputable auto insurance companies serve Utah drivers. The following information can help you find the best car insurance option for you in Utah.
How much is car insurance in Utah?
The average cost of car insurance in Utah is $101 per month for liability coverage and $147 for full-coverage insurance. On average, Utah drivers pay $124 per month for auto insurance.
What are the best car insurance companies in Utah?
Some of the best car insurance companies in Utah are Auto-Owners, USAA, State Farm, and American Family. But keep in mind that the right insurer will depend on your specific coverage needs, priorities, and budget.
What is the required auto insurance coverage amount in Utah?
Utah drivers must carry at least 30/65/25 in personal liability insurance. Additionally, drivers in the state must have personal injury protection (PIP) to satisfy the state’s no-fault laws.3 Many drivers can benefit from optional coverages, like uninsured motorist insurance, collision insurance, and comprehensive insurance.
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