Low-cost car insurance in Utah

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Nationwide provides the lowest car insurance rates in Utah at $1,188 a year. The average premium is $188 per month in Utah, though your actual rate may vary.

Car insurance requirements differ by state. In Utah, drivers are required to carry at least the minimum liability coverage: $30,000 for bodily injury per person, $65,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Nationwide offers the lowest car insurance rates in Utah, at $1,188 per year, which is about $1,062 the state average.
Nationwide has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,076.
The ZIP code 84341 has the low-cost car insurance rates in Utah, at an average annual rate of $2,014.

Low-cost car insurance companies in Utah

Nationwide offers the lowest car insurance rates in Utah, with an average annual premium of $1,188 per year. It’s $1,062 less expensive than the average car insurance cost in Utah. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

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

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Utah are more affordable than others. The table below shows which companies offer the lowest average 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 insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Utah is $263 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Utah, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance 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.