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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Utah drivers pay an average of $149 monthly for car insurance, according to our research. That’s compared to the national average monthly rate of $150. But what you’ll pay for auto insurance varies depending on personal factors like age, gender, marital status, and credit score.
Let’s look at some of the best insurers in Utah and what you can do to find cheap car insurance rates.
USAA is Utah’s cheapest car insurance option, on average.
Utah’s minimum car insurance requirements increased in 2025 from $80,000 per occurrence to $90,000.
You can lower your monthly rate by taking advantage of discounts and improving your credit.
Location plays a significant role in determining your auto insurance costs. For example, if you live in a high-crime area or have to park your car on the street at night, your insurer may consider you a high-risk driver and charge you higher insurance premiums.
Likewise, you may receive a lower monthly rate if you live in a rural area or park your vehicle in a secure garage.
Other factors — like your age, your driving record, and the coverages you buy — all play a role, as well.
The following table outlines the average rates for various auto insurance policies in Utah, according to Compare.com data.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Utah drivers | $149 |
| State-minimum coverage | $115 |
| Full coverage | $183 |
| Teens | $258 |
| Seniors | $120 |
| Clean driving record | $149 |
| Recent ticket | $200 |
| Recent at-fault accident | $203 |
| DUI conviction | $233 |
| Poor credit | $186 |
The average monthly rate for car insurance in Utah is $149. But teens or people with a history of driving incidents can expect to pay more for car insurance.
The state averages can be helpful, but your exact rates can vary depending on your driving profile.
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Like nearly every state, Utah requires all drivers to purchase a certain amount of auto insurance coverage. Here are the minimum coverage requirements for policies issued or renewed after Jan. 1, 2025:
Bodily injury liability: $30,000 per person, $65,000 per accident
Property damage liability: $25,000 per accident
Total liability (bodily injury + property damage): $90,000 per accident
Personal injury protection (PIP): $3,000 per accident
Failing to meet these requirements has significant consequences. A first offense has a $400 minimum fine, and a second within three years will lead to a $1,000 fine.
Most insurance experts recommend purchasing at least $100,000 per person in bodily injury liability coverage and $300,000 per accident. If you only meet the minimum coverage requirements in Utah, you might not have enough protection. And if you finance or lease your car, most lenders require you to have comprehensive and collision coverage.
Many insurers have rates below city and statewide averages. The table below shows the cheapest insurers in Utah, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| Root | $76 |
| Auto-Owners | $82 |
| Sun Coast | $85 |
| National General | $89 |
| State Farm | $90 |
| Progressive | $95 |
| GEICO | $96 |
| American Family | $114 |
| Clearcover | $115 |
| Safeco | $119 |
| Allstate | $123 |
| Dairyland | $124 |
| The General | $126 |
| Nationwide | $134 |
| GAINSCO | $137 |
| Bristol West | $141 |
| Farmers | $159 |
| Liberty Mutual | $194 |
| State Auto | $209 |
| Direct Auto | $342 |
USAA is the cheapest option for many Utah drivers, with an average monthly rate of $67. That said, many different factors can influence your rate.
Your insurer bases your rate on things like your age, driving record, and ZIP code. The table below lists the cheapest companies for various driving backgrounds and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $67 |
| Full coverage | USAA | $94 |
| Teens | USAA | $117 |
| Seniors | USAA | $53 |
| Drivers with a speeding ticket | USAA | $86 |
| Drivers with an at-fault accident | USAA | $88 |
| Drivers with a DUI | USAA | $106 |
| Drivers with excellent credit | USAA | $65 |
| Drivers with poor credit | USAA | $81 |
You should compare quotes from different insurers to get the most accurate estimate of what you’ll pay. Insurance-comparison sites make it easy to get quotes from multiple companies at once.
Compare personalized quotes from Utah’s top insurers.
Car insurance rates can vary between cities due to differences in crime rates, traffic patterns, and claims histories.
The table below shows the average rates and cheapest insurers for some of Utah’s largest cities, according to Compare.com data.
City | Citywide Average Monthly Premium | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|---|
| Salt Lake City | $152 | USAA | $69 |
| Provo | $162 | USAA | $74 |
| Orem | $154 | USAA | $70 |
| Ogden | $138 | USAA | $63 |
USAA has the cheapest monthly premiums in Salt Lake City. But it might not have the cheapest rates for every kind of driver. Comparing multiple insurers can help you find the right price and coverage.
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No single insurance company suits everyone, but certain insurers stand out. We chose the following companies based on average rates, available discounts, customer reviews, and coverages offered in Utah.
Cheap average rates
Offers two telematics programs
Discount available for parking car on base
Available only to military families
No brick-and-mortar locations
Received many complaints on Trustpilot
USAA is the best option for military members and their families looking for cheap car insurance. The company offers many discounts, and it has two telematics programs that reward you for safe driving habits or driving fewer miles.
You can manage your policy, file a claim, and request roadside assistance through the USAA mobile app. USAA also has a “superior” AM Best rating, which means it can meet its financial obligations and pay out its claims.
Above-average J.D. Power rating
Good option for safe drivers
Large network of local agents
Doesn’t offer gap insurance
Not always the cheapest option
Personal information required for quote
State Farm is one of the best auto insurance companies thanks to its extensive coverage options. State Farm offers coverage for rideshare drivers, which not all insurers provide. Its Drive Safe & Save program uses the State Farm mobile app to track your driving habits and could earn you a discount of up to 30%.
Above-average J.D. Power rating
Offers classic car insurance
Diminished value coverage available
No online quotes
Doesn’t offer usage-based insurance
Fewer digital tools than competitors
Auto-Owners stands out for its unique coverage options — the insurer offers diminished value coverage, which protects the value of your car after an accident. Auto-Owners also offers classic car insurance, which protects vintage and antique vehicles. And if you haven’t had an at-fault accident in the last three years, its accident forgiveness program waives the accident surcharge for your next at-fault accident.
Compare quotes side by side and lock in cheaper rates.
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Discounts can save you money on your car insurance, but they vary depending on your insurance company and where you live. Here are some common discounts to ask your auto insurer about:
Safe driving course: Utah requires insurance companies to offer discounts to people who complete a safe driving course.
Bundling your policies: Most insurers offer a discount for bundling multiple policies, such as homeowners and auto insurance.
Multiple vehicle discounts: Most insurance companies give you a discount for insuring multiple vehicles with the same company.
Low mileage: Driving 7,000 miles or less in a year may qualify you for a low-mileage discount.
Discounts can save you money on car insurance, but you can try other strategies if you don’t qualify.
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Here are four ways Utah drivers can find cheap car insurance:
Reduce coverage of older vehicles: If you own an older car that you’ve paid off, you may not need to pay for full-coverage insurance. Review your coverage each year to make sure you aren’t overinsured. Choosing a liability-only policy could be a good way to save money — as long as you can afford to repair or replace your car out of pocket if you cause an accident.
Choose a higher deductible: Your deductible is a one-time, out-of-pocket expense you’ll pay when filing an insurance claim. Your deductible is how you share risk with the insurance company, so choosing a higher deductible can lead to lower premiums. But opting for a higher deductible means paying more out of pocket when you file a claim.
Improve your credit score: Utah allows insurance companies to consider your credit history when evaluating you for coverage. Maintaining a good credit score can lead to lower insurance premiums.
Shop around: Comparing quotes from other insurance companies can ensure you have the coverage you need at the best rate.
Compare personalized quotes and get cheaper rates in minutes.
Finding the right car insurance for your coverage needs can be tricky. Below, we’ve answered some common questions about auto insurance in Utah.
USAA offers the cheapest car insurance in Utah, with a monthly rate of $67. Your rate may vary depending on your driver profile and driving history.
Utah drivers pay an average of $149 per month for car insurance, according to Compare.com data. Liability-only coverage costs $115 per month, and full coverage averages $183. You should shop around to find the cheapest car insurance rates.
Utah requires drivers to meet the following minimum coverage requirements:
Bodily injury liability: $30,000 per accident and $65,000 per accident
Property damage liability: $25,000 per accident
Total liability coverage: $90,000 per accident
Personal injury protection (PIP): $3,000 per accident
The average 16-year-old driver in Utah can expect to pay around $258 per month. Teens tend to pay some of the highest average rates for auto insurance because of their age and lack of experience on the road.
Utah State Legislature, “Utah Code Section 31A-22-304,” accessed January 23, 2025.
Utah State Legislature, “Utah Code Section 31A-22-307,” accessed January 23, 2025.
Division of Motor Vehicles, “Insurance,” accessed January 23, 2025.
Rocky Mountain Insurance Information Association, “Utah Auto Insurance Requirements,” accessed January 23, 2025.
Insurance Information Institute, “What determines the price of an auto insurance policy?” Accessed January 23, 2025.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed January 23, 2025.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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