How to find the cheapest car insurance quotes in Utah
No single auto insurance company will be the cheapest for every driver. The secret to optimizing your costs lies in getting quotes from multiple insurers.
Countless Utah drivers use the Jerry Insurance Agency to seamlessly compare quotes and shop for car insurance. Read on to find out how to tailor your auto insurance policy to your needs.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Dairyland | $101 | Helen, 53, Ogden, UT | Toyota Rav4 Le | State Minimum | No |
| Gainsco | $209 | Nellie, 30, Saratoga Springs, UT | Chevrolet Impala Lt | State Minimum | No |
| Dairyland | $130 | Edna, 34, Sunnyside, UT | Hyundai Sonata Se | State Minimum | No |
| Safeco | $113 | Gavin, 27, Layton, UT | Toyota 4Runner Sr5 | State Minimum | Yes |
| Progressive | $139 | Wesley, 20, Cedar City, UT | Honda Accord Lx | State Minimum | No |
Cheapest car insurance companies in Utah
Searching for the best deal on car insurance in Utah? Jerry has conducted the biggest survey in the nation on insurance shopping, and here are the results.
Our survey outcomes show that there isn’t a single best car insurance company that can call itself the cheapest option for all drivers.
USAA and Auto-Owners earn recognition for offering the most affordable rates to the most drivers—but it’s not a guarantee for every driver. Farm Bureau, State Farm, and Progressive all offer lower than average premiums in Utah.
State Farm, Allstate, Farmers, Progressive, and USAA serve the majority of Utah drivers.
Let’s review some feedback from real customers about these companies.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Farmers | October 29, 2024 | 5 | “They are really quick and have a low deductible as well as wonderful customer support” -Barry |
| Dairyland | October 23, 2024 | 5 | “Very good co. And very reasonable prices” -Rhoda |
| State Farm | October 22, 2024 | 5 | “Great coverage for a much better price compared to other insurance providers. “ -Georgia |
| Esurance | October 20, 2024 | 5 | “When a run-away tire came off the car in front of me on the freeway and took out my bumper, I was able to have it cov…(read more)” -Dora |
| Amica | October 20, 2024 | 3 | “Everything went smoothly until last month when I got a letter from them saying I no longer had coverage because I did…(read more)” -Barbara |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a quick and straightforward way to compare online car insurance quotes, using a comparison app or website is your best bet.
With its specialized free app for comparing car insurance quotes, Jerry is the easiest way to find a great rate. Enjoy dedicated service from Jerry’s team of more than 100 licensed insurance agents.
Minimum liability and full coverage insurance requirements in Utah
Every Utah driver is required to purchase a minimum level of liability insurance, including bodily injury liability and property damage liability. Full coverage is optional in Utah, but it’s the only way to cover damage to your own vehicle.
Furthermore, Utah drivers must also carry personal injury protection (PIP) with at least $3,000 of coverage limits.
Cheapest minimum liability coverage car insurance quotes in Utah
The state minimum liability requirements for car insurance in the Beehive State are 25/65/15:
- $25,000 per person of bodily injury liability coverage
- $65,000 per accident of bodily injury
- $15,000 per accident of property damage liability
Every driver must carry at least this amount of coverage, as mandated by the state code.
Do you need more than minimum coverage in Utah?
Many Utah drivers prefer higher liability coverage than the state’s 25/65/15 minimum coverage requirements. Think about it: if you cause an accident, you may have to cover the costs of the other person’s medical bills and car repairs. If the costs exceed your policy’s bare-bones limits, you could be forced to pay out-of-pocket.
Go beyond the bare minimum to avoid the burden of paying thousands of dollars if the other party’s injuries are severe.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.
Cheapest full coverage car insurance quotes in Utah
Full coverage is the best protection against all the potential disasters of life on the road. Full coverage pays for the costs to repair or replace your own vehicle after a covered incident.
Included in your full coverage policy is comprehensive and collision coverage.
Collision coverage: Covers the cost of collision-related damage, such as broken bumpers or body work to your vehicle.
Comprehensive coverage: Pays for non-collision damage, such as vandalism, theft, or even damage from hail or falling branches.
Lenders often require borrowers to purchase a full coverage policy before completing a vehicle sale. So, if you have financed your car, you probably have to purchase full coverage car insurance in Utah.
Take a look at the table below, where we’ve compiled a collection of recent examples that showcase how Jerry’s agents have helped drivers find affordable full coverage policies in Utah.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | No | Dairyland | $101 | Helen, 53, Ogden, UT | Toyota Rav4 Le |
| State Minimum | No | Gainsco | $209 | Nellie, 30, Saratoga Springs, UT | Chevrolet Impala Lt |
| State Minimum | No | Dairyland | $130 | Edna, 34, Sunnyside, UT | Hyundai Sonata Se |
| State Minimum | Yes | Safeco | $113 | Gavin, 27, Layton, UT | Toyota 4Runner Sr5 |
| State Minimum | No | Progressive | $139 | Wesley, 20, Cedar City, UT | Honda Accord Lx |
Average rates for minimum liability coverage and full coverage car insurance in Utah
The average cost of minimum liability coverage in Utah is just under $138 per month, or $1,651 per year. The cost of full coverage car insurance in Utah is closer to $149 per month, or about $1,788 annually, for the average driver.
While average insurance rates can provide a helpful starting point for estimating your insurance expenses, every driver’s situation is unique. Various factors, including vehicle type, driving record, claims history, and demographic characteristics, contribute to a driver’s distinct profile—resulting in a personalized premium that may differ from the average rates.
The average Utah driver can expect the cost of car insurance to be about $138 per month for minimum liability coverage or about $149 for full coverage, depending on the provider. Remember, your premium could be significantly different than average, even up to several hundred dollars per month higher.
Cheapest personal injury protection (PIP) quotes in Utah
Utah drivers are required to carry at least $3,000 of personal injury protection (PIP).
While that’s not a ton of protection when compared to the medical expenses associated with recovering from a car accident, some PIP is better than none.
Other types of Utah auto insurance
There are many extra coverages available to Utah drivers who want extra protection. Here a few other types of coverage to consider:
- Towing and labor coverage
- Rental reimbursement coverage
- New car replacement insurance
- Underinsured or uninsured motorist coverage
If your vehicle is financed: Gap insurance will cover the gap between the actual value of your car and the amount you still owe on the loan. New cars depreciate quickly, so this could be a wise addition to your coverage depending on your loan terms and financial situation.
If you primarily borrow or rent: Consider non-owner car insurance in Utah, which will follow you from car to car. It gives you liability protection under state law, regardless of which car you’re driving. It does not give you any coverage for the car or yourself.
Learn more: Types of insurance
Car insurance premium by rating factors
From zip code to vehicle type, car insurance companies consider many factors when calculating a person’s premium. Every insurer has a unique proprietary formula, but here are some items that every company considers:
- Your driving record and claims history: Any violations, tickets, or claims in the past will trigger higher rates.
- Your credit score: A good credit score means lower rates, and lower scores mean higher rates.
- Zip code: Your neighborhood is correlated with risk. Urban areas, like Salt Lake City, experience more car thefts and traffic accidents, which will cause your premium to increase.
- Your make and model: Sports cars, luxury makes, and performance cars tend to cost more to insure. That’s because they cost more to repair and they can be more vulnerable to theft.
- Usage: Drive infrequently and you’ll pay less for insurance.
Cheapest Utah car Insurance after a driving violation
Traffic violations can have a major impact on how much you pay for car insurance, especially if you have more than one on your record. With a pattern of violations, insurance companies will consider you a high-risk driver and charge you extra high rates for the risk of insuring you.
Cheapest car insurance for Utah drivers with a speeding ticket
In Utah, there are distinct brackets and point penalties based on how far over the speed limit you’re traveling:
- 1-10 MPH
- 11-15 MPH
- 16-20 MPH
- 21-25 MPH
- 26-30 MPH
- 31+ MPH over the speed limit.
If you drive more than 105 MPH, you can be charged with reckless driving.
In addition to the financial and legal consequences of a speeding ticket, your car insurance rates are likely to skyrocket after a ticket.
Jerry has helped drivers with speeding violations find affordable coverage in Utah. Take a look at some examples with rates below.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Major | National General | $192 | Alma, 65, Herriman, UT | State Minimum | Yes |
| Speeding Violation-Major | National General | $325 | Leah, 25, West Jordan, UT | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $45 | Derrick, 39, Draper, UT | State Minimum | No |
| Speeding Violation-Major | National General | $386 | Oscar, 21, West Valley City, UT | State Minimum | Yes |
| Speeding Violation-Major | National General | $699 | Lina, 29, Taylorsville, UT | State Minimum | Yes |
Cheapest auto insurance in Utah after a DUI
Utah has strict DUI laws. Any DUI conviction on your record will trigger very high premiums, and it’s even possible that a company could deny you coverage.
It’s still possible to find affordable car insurance after a DUI conviction in Utah. But you’ll need to shop around and compare quotes to find the best rate for your situation—and Jerry can help.
Utah SR-22 insurance
Some violations are so serious that the offending driver must prove they are financially responsible enough to be allowed back on the road. To prove their responsibility, they must file an SR-22 in Utah.
An SR-22 is a form that the insurance company files on your behalf, after insuring you. You cannot file it yourself and there is a small fee for filing the form.
You might be required to file an SR-22 in Utah if:
- You were caught driving without insurance.
- You were convicted of dangerous driving.
- You drove while your license was suspended.
- You have a DUI or DWI conviction.
Cheapest Utah auto insurance after an at-fault accident
Do you have an at-fault accident on your record? This will negatively affect your car insurance rates, especially if it was a recent accident.
Here’s a look at what you can expect to pay for car insurance after an at-fault accident in Utah.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Dairyland | $130 | Edna, 34, Sunnyside, UT | State Minimum | No |
| At Fault With No Injury | Progressive | $139 | Wesley, 20, Cedar City, UT | State Minimum | No |
| At Fault With No Injury | Dairyland | $157 | Arthur, 23, Vineyard, UT | State Minimum | No |
| At Fault With No Injury | National General | $192 | Alma, 65, Herriman, UT | State Minimum | Yes |
| At Fault With No Injury | The General | $238 | Hulda, 38, West Valley City, UT | State Minimum | Yes |
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Is Utah an at-fault state?
Cheapest auto insurance after other violations in Utah
Your premium could go up after a variety of infractions, such as careless driving or improper passing. Break a law, suffer the consequences!
Take a look at this list of common violations, how they could affect your rates, and how Jerry has helped drivers with violations find affordable coverage.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Gainsco | $209 | Nellie, 30, Saratoga Springs, UT | State Minimum | No |
| DUI | National General | $728 | Bernice, 25, West Valley City, UT | State Minimum | Yes |
| DUI | Dairyland | $611 | Leonard, 39, Salt Lake City, UT | 50/100 | Yes |
| Operating Vehicle without Permission | Progressive | $228 | Herbert, 32, Fountain Green, UT | State Minimum | No |
| Operating Vehicle without Permission | Bristol West | $279 | Daniel, 25, Roy, UT | State Minimum | No |
How to find cheap Utah car insurance after a car insurance lapse
A lapse in coverage can actually cause your rates to increase, especially if you’re shopping for insurance and you’re currently uninsured.
We’ve got a unique solution to this problem. Jerry sends a helpful reminder to eligible customers whenever a payment is due, so they can retain coverage and avoid gaps.
If you’re currently hunting for insurance and you have lapses on your record, don’t worry—you can still find savings on a new policy. Check out some examples below.
Cheapest Utah car insurance for drivers with poor credit
In Utah, companies are allowed to consider your credit score when first underwriting your policy—but they can only use it to offer discounts, not to raise your rates. What’s more, it’s illegal for a Utah car insurance company to deny anyone coverage based on their credit history.
Of course, your credit score is not an indication of how good a driver you are. However, data shows that drivers with low credit scores tend to file more claims. As a result, drivers with poor credit scores (under 600) can expect to pay higher than average premiums—more than 90% more than the average price.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Dairyland | $101 | Helen, 53, Ogden, UT | Toyota Rav4 Le | State Minimum | No |
| <550 | Gainsco | $209 | Nellie, 30, Saratoga Springs, UT | Chevrolet Impala Lt | State Minimum | No |
| 550-659 | Dairyland | $130 | Edna, 34, Sunnyside, UT | Hyundai Sonata Se | State Minimum | No |
| 660-750 | Safeco | $113 | Gavin, 27, Layton, UT | Toyota 4Runner Sr5 | State Minimum | Yes |
| <550 | Progressive | $139 | Wesley, 20, Cedar City, UT | Honda Accord Lx | State Minimum | No |
How to find cheap auto insurance in Utah for your age
No matter where you live, your age is a key determinant in calculating your rate. Young drivers under 25 and older drivers over 75 pay more for coverage, due to the risks associated with lack of experience and the aging-related decline in physical and mental abilities.
Cheapest Utah car insurance for young drivers
Drivers under the age of 19 or a provisional license pay the most for car insurance in Utah. These teen drivers have the least experience behind the wheel, and they’re also more vulnerable to accidents and distracted driving. As a result, full coverage is a good choice for insuring a young teen who is driving a newer vehicle.
Cheapest Utah car insurance for senior drivers
Older drivers are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults more for coverage.
Cheapest car insurance for popular cars
Your rate is partially determined by the make and model of your vehicle. That’s because some cars cost less to repair, have more safety features, or are more vulnerable to theft.
Here are a few of the most popular cars in Utah:
- Dodge RAM 1500
- Chevy Silverado
- Toyota Tacoma
- Toyota RAV4
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Rav4 Le | Dairyland | $101 | Helen, 53, Ogden, UT | State Minimum | No |
| Dodge Ram 1500 Slt | Dairyland | $611 | Leonard, 39, Salt Lake City, UT | 50/100 | Yes |
| Toyota Tacoma Double Cab | Progressive | $108 | Jeffrey, 25, Salt Lake City, UT | 100/300 | Yes |
| Dodge Ram 1500 | Progressive | $88 | Frank, 55, Salt Lake City, UT | State Minimum | Yes |
| Dodge Ram 1500 | Progressive | $159 | Hester, 53, Salt Lake City, UT | State Minimum | Yes |
Learn more: How to get car insurance before buying a car
Car insurance cost for new vs. old car
Most of the time, newer cars cost more to insure. They’re more costly to repair and they can be more complex technologically. You can expect to pay several hundred dollars more per year to insure a vehicle that is less than five years old.
Utah cheapest car insurance by location
Home is where the heart is, and your Utah zip code is a major factor in determining your insurance rate, too. Weather patterns and traffic accident rates can change dramatically from one neighborhood to the next, which is why insurance companies need to know where you live and drive.
Here’s how Jerry Insurance Agency helps people find low rates all across Utah.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ogden, UT | Helen | Dairyland | $101 | Toyota Rav4 Le | State Minimum | No |
| Saratoga Springs, UT | Nellie | Gainsco | $209 | Chevrolet Impala Lt | State Minimum | No |
| Sunnyside, UT | Edna | Dairyland | $130 | Hyundai Sonata Se | State Minimum | No |
| Layton, UT | Gavin | Safeco | $113 | Toyota 4Runner Sr5 | State Minimum | Yes |
| Cedar City, UT | Wesley | Progressive | $139 | Honda Accord Lx | State Minimum | No |
How to lower the cost of car insurance in Utah
Now that we’ve examined why your insurance premiums are high, it’s time to explore what you can do about it. To cut your bills month after month, Jerry’s insurance agents recommend:
- Comparison shopping: As we’ve said, there’s an ideal auto insurance company for every driver. You won’t know if you’ve got the right one until you shop around and take a look.
- Bundling insurance products: What do you get when you bundle your car and home insurance together? If they’re from the same company, you get an insurance discount!
- Looking for car insurance discounts: Speaking of discounts, there are plenty to find. See whether your insurance provider has a program for students, veterans, or military members by giving them a call.
- Increasing your deductible: The more you agree to pay upfront after an accident, the less you’ll have to pay month-to-month.
- Changing your payment methods: Pay your bills in one to four lump sums and you’ll cut the cost of your annual premiums.
- Taking a defensive driving course: Not only can a state-approved defensive driver course remove demerit points from your record, but it can also lower your monthly premiums.
- Buying a used car: Pick a dependable classic with cheap repairs and low insurance costs, and you’ll enjoy many years of savings.
Why does car insurance cost this much in Utah
You might be surprised to find out that car insurance in Utah is actually more affordable than most other places in the country. Here’s what affects the price of insurance in Utah:
- Low crime rates
- Low number of fatal crashes
- Low healthcare costs
- Low overall population density
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
