+120 more*These quotes are from real Compare.com users Utah within the last 10 days. Updated on October 28, 2026
*These quotes are from real Compare.com users Utah within the last 10 days. Updated on October 28, 2026
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
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Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
USAA offers the cheapest car insurance policies, with an average rate of $58 per month.
Car insurance policies cost $122 per month, on average, in Utah.
Utah drivers spend an average of $94 per month for liability only and $151 per month for full-coverage policies.
Utah has one of the lowest rates for uninsured drivers in the country, at just 6.2%, which may contribute to the state’s lower-than-average rates.
Drivers in Utah spend an average of $94 per month on liability car insurance and $151 on full-coverage policies, for an overall average of $122 per month.
Utah has a relatively low population density of 39.7 people per square mile, compared to the national average of 93.8.[1] Lower population density may help limit accident risks and insurance costs in less populated areas.
Several insurance companies offer more affordable coverage in Utah, including USAA, Auto-Owners, and Progressive.
The table below highlights the cheapest insurers in Utah for liability-only and full-coverage policies, according to data from Compare.com.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| USAA | $58 | $87 |
| Auto-Owners | $70 | $106 |
| Progressive | $71 | $158 |
| National General | $75 | $169 |
| State Farm | $77 | $116 |
| GEICO | $86 | $130 |
| The General | $86 | $176 |
| Sun Coast | $88 | $121 |
| Allstate | $93 | $141 |
| American Family | $98 | $148 |
| Direct Auto | $103 | $160 |
| Mile Auto | $105 | $162 |
| Clearcover | $107 | $157 |
| Freedom National | $109 | $189 |
| Root | $116 | $164 |
| Safeco | $121 | $152 |
| Bristol West | $128 | $212 |
| Dairyland | $130 | $236 |
| GAINSCO | $130 | $218 |
| Farmers | $136 | $205 |
| Liberty Mutual | $167 | $190 |
| State Auto | $179 | $270 |
Compare quotes and get the coverage you need at the best price.
Cedar City drivers pay among the lowest average premiums in Utah, at around $102 per month. Drivers in West Valley City, a suburb of Salt Lake City, pay some of the highest rates, at around $155 per month — 52% higher than in Cedar City. West Valley City has nearly four times Cedar City’s population density, according to U.S. census data. This may contribute to its higher insurance rates.
Here’s an overview of average car insurance rates across Utah cities, according to Compare.com.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Cedar City | $76 | $131 |
| Tooele | $87 | $132 |
| Draper | $91 | $147 |
| Layton | $91 | $148 |
| Saint George | $91 | $131 |
| Ogden | $95 | $148 |
| Lehi | $96 | $150 |
| Provo | $100 | $151 |
| Orem | $103 | $155 |
| Salt Lake City | $103 | $165 |
| Midvale | $106 | $158 |
| West Valley City | $121 | $192 |
Data can’t tell us everything, but it can offer useful insights into car insurance trends in Utah. Here’s what our data shows about mileage, driving records, and more about the Beehive State.
Annual mileage: Utah drivers average 8,882 miles annually, which is less than drivers in most other states.
Traffic tickets: About 6% of Utah drivers have a ticket on their record, which is the fourth-highest rate nationally.
At-fault accidents: Approximately 5% of Utah drivers have an at-fault accident on their record, which is a higher rate than in most other states.
Car ownership: About 71% of Utah drivers own their vehicles, while 12% own multiple vehicles.
Vehicle financing: About 26% of Utah drivers have a loan or lien on their vehicle, a higher-than-average rate.
Car insurance rates vary widely by insurer, your driving history, vehicle, location, and other factors. Comparing quotes from multiple companies can help you find the best coverage at the lowest price.
The table below shows the average rates, customer reviews, and other important information about top insurers in Utah.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $132/mo* | Average Premium $88/mo* | Average Premium $73/mo* | Average Premium $171/mo* | Average Premium $140/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 1 user reviews | Special Highlight N/AAI-generated from 11 user reviews | Special Highlight N/AAI-generated from 220 user reviews | Special Highlight N/AAI-generated from 204 user reviews | Special Highlight N/AAI-generated from 48 user reviews |
We selected the best car insurance companies in Utah based on real Compare.com customer reviews, coverage options, average costs, Compare.com Ratings, and other key metrics.
| User Reviews | 3.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $158/mo |
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive offers affordable liability car insurance to Utah drivers, including those with poor credit. Discounts include multi-car, five-year accident-free, and bundling. The insurer also offers an easy-to-use website and mobile app from which you can get a quote, manage your policy, access documents, pay bills, and contact an agent.
Among the cheapest companies for Utah liability insurance
8 discounts for Utah drivers
Below-average JD Power customer satisfaction rating in Southwest region
Higher rates for drivers with accidents
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
With Utah having one of the highest rates of traffic tickets in the country, State Farm may be a good option for drivers with violations on their records. State Farm offers competitive rates for Utah drivers with tickets, driving under the influence (DUI) convictions, at-fault accidents, and those who need to file an SR-22.
The insurer also offers its Drive Safe & Save program, which rewards safe driving habits with potential savings of up to 30% on premiums.
Low Utah rates for tickets, accidents, DUIs
High customer satisfaction ratings and local agents
No accident forgiveness
Gap insurance not available
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.9 | 2.9 |
Auto-Owners offers some of the cheapest rates for Utah teens. It also provides three discounts that can help young drivers save even more: the good student discount (up to 20%), student away at school, and teen driver monitoring.
Families can choose from coverage options like accident forgiveness, gap insurance, and diminished value coverage.
Cheap rates and student-focused discounts
Strong coverage options
Must buy policies through independent agents
Limited self-service options online
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Utah drivers. We researched, analyzed, and weighed several categories important to Utah insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Utah drivers find the best auto insurance policy for their unique needs.
Utah drivers must purchase at least the following minimum car insurance requirements, according to the Utah Insurance Department:[2]
$30,000 in bodily injury liability per person
$65,000 in bodily injury liability per accident
$25,000 in property damage liability per accident
Drivers also need to carry $3,000 in personal injury protection (PIP), which covers medical expenses regardless of who’s at fault. Not every state requires this coverage.
Penalties for driving without insurance include a $400 fine, driver’s license suspension, and possible vehicle registration suspension.[3] The minimum fine increases to $1,000 for subsequent offenses within three years.
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Many factors go into determining car insurance rates. Below, we list the most notable factors affecting costs in Utah.
Low rate of uninsured drivers: Just 6.2% of Utah drivers are uninsured, which is one of the lowest rates in the country.[4] Fewer uninsured drivers can mean fewer claims, which can help keep insurance costs down.
Fewer bodily injury claims: Utah drivers file fewer bodily injury claims than average, which can lower statewide costs.
Lower cost of comprehensive claims: While Utahans have more comprehensive claims than the norm, the claims cost less than half the national average.[5] Lower claims costs can help limit what insurers need to charge for comprehensive coverage.
Fewer collision claims: Utah drivers file fewer collision claims than drivers in other states, and those claims tend to cost less.
Utah’s credit-based insurance rules: Utah allows insurers to check credit when initially evaluating drivers, but credit can’t be the sole factor.[6] Insurers also can’t remove or reduce a credit-based benefit once granted.
You can use several strategies to reduce your car insurance costs, but these are some of the most effective for Utah drivers.
Build good credit. Utah allows insurers to consider your credit history when calculating premiums. Drivers with good credit pay 25% less than those with poor credit, according to Compare.com data.
Maintain a clean driving record. Utah drivers with tickets pay 26% more than the average, while those with DUIs pay 25% more.
Consider liability only for older cars. If your vehicle has a lower market value and you own it outright, consider dropping comprehensive and collision coverage. Utah liability-only policies cost around 38% less than full coverage.
Leverage multi-car discounts. About 12% of Utah drivers own multiple vehicles. These drivers should look into multi-car discounts, which can help them save on insurance premiums.
Compare insurance quotes regularly. Rates vary widely among insurers, so comparing quotes from multiple companies can help Utah drivers find more affordable coverage.
Comparing quotes side-by-side can save you up to $867.†
Below, we’ve listed some useful resources to help Utah drivers understand and get the most out of their car insurance policy.
Utah Insurance Department: Helps drivers understand coverage requirements, insurance claims, and their rights. Drivers can also access information about filing complaints against insurers.
Utah Motor Vehicle Division: Register or renew your vehicle registration, learn about insurance verification requirements, and resolve registration issues related to uninsured vehicles.
Utah Attorney General’s Office: Find consumer protection information and guidance on reporting suspected fraud or deceptive business practices.
Utah State Legislature: Review Utah’s car insurance laws, including minimum coverage requirements and other insurance regulations.
Here are the answers to the most common questions Utah drivers ask about getting cheap car insurance.
USAA currently offers the cheapest liability-only car insurance in Utah, with average rates of $58 per month, according to Compare.com data.
The average cost of car insurance in Utah is $122 per month, according to our data.
Yes. You can find cheap car insurance in Utah by using a car insurance comparison site to get quotes from several insurers and comparing them side by side to better understand your options.
Yes. Auto-Owners is usually cheaper than GEICO in Utah, according to Compare.com data.
USAA offers the cheapest car insurance rates for Utah drivers with poor credit, at $72 per month. The next cheapest option is Auto-Owners.
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.
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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.
