Low-cost car insurance in Utah

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In Utah, Nationwide offers the cheapest average premium at $1,188 per year. For comparison, the statewide average monthly cost is $188, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Utah, the minimum liability requirement is $30,000 for bodily injury per person, $65,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Nationwide has the lowest average car insurance premium in Utah, costing $1,188 per year. That’s $1,062 the state average.
For drivers with an at-fault accident on record, Nationwide offers the most affordable coverage at around $2,076 annually.
The 84341 ZIP code stands out as the cheapest area for auto insurance in Utah, with an average yearly cost of $2,014.

Low-cost car insurance companies in Utah

Among all insurers in Utah, Nationwide comes in lowest at $1,188 per year – $1,062 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Utah.

Company	Average annual rates
Nationwide	$1,188
GEICO	$1,397
Auto-Owners	$1,953
United Insurance Co	$2,531
Progressive	$2,622
Farmers	$2,752
Allstate	$2,879
Iowa Farm Bureau	$3,138
State Farm	$4,444
USAA*	$1,354

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Utah

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Utah

In Utah, drivers living in the 84341 ZIP code enjoy the lowest average annual premium at $2,014. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
84341	Logan	$2,014
84332	Providence	$2,034
84737	Hurricane	$2,035
84321	Logan	$2,036
84742	Kanarraville	$2,037
84513	Castle Dale	$2,043
84528	Huntington	$2,047
84741	Kanab	$2,056
84767	Springdale	$2,057
84322	Logan	$2,057

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Low-cost car insurance in Utah by age

Teenagers pay significantly more for car insurance than adults in Utah. For instance, a 16-year-old driver pays $9,681 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Utah.

Age group	Full coverage annual premiums
Teens (16-19)	$8,843
Young Adults (20-24)	$3,589
Adults (25-60)	$2,251
Seniors (65-75)	$2,318

Low-cost car insurance in Utah by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Utah

A single speeding ticket in Utah can push your rates up by 28%, or about $626. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Nationwide	$1,188	$1,434	21%	$246
Auto-Owners	$1,953	$2,514	29%	$561
GEICO	$1,397	$2,730	95%	$1,332
Allstate	$2,879	$3,191	11%	$313
Progressive	$2,622	$3,381	29%	$759
Farmers	$2,752	$3,794	38%	$1,043
State Farm	$4,444	$4,739	7%	$295
USAA*	$1,354	$1,742	29%	$388

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Utah

Nationwide offers the lowest car insurance rates to drivers after an at-fault accident at $2,076 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Nationwide	$1,188	$2,076	75%	$888
GEICO	$1,397	$2,748	97%	$1,350
Auto-Owners	$1,953	$3,438	76%	$1,485
Progressive	$2,622	$4,032	54%	$1,410
Allstate	$2,879	$4,074	42%	$1,195
Farmers	$2,752	$5,072	84%	$2,320
State Farm	$4,444	$5,154	16%	$711
USAA*	$1,354	$2,089	54%	$735

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Utah

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Utah offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Nationwide	$1,188	$2,666	$1,478	124%
GEICO	$1,397	$2,894	$1,497	107%
Progressive	$2,622	$2,980	$359	14%
Allstate	$2,879	$3,875	$996	35%
State Farm	$4,444	$4,739	$295	7%
Auto-Owners	$1,953	$5,160	$3,207	164%
Farmers	$2,752	$5,485	$2,733	99%
USAA*	$1,354	$2,604	$1,250	92%

*USAA is only available to military community members and their families.

Average cost of car insurance Utah

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Utah, the average cost of full coverage is $263 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Utah, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Utah.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Utah. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.