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Nationwide provides the cheapest car insurance in Utah at $1,135 a year. Your rates may vary, but the average premium is $152 per month in Utah, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Utah, drivers must carry at least the minimum liability coverage: $30,000 for bodily injury protection per person, $65,000 of bodily injury coverage per accident, and $25,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Nationwide
$1,135/year
National avg. rate
Cheapest for at-fault accident: Nationwide
$1,984/year
Avg. rate after an at-fault accident
Cheapest for speeding ticket: Nationwide
$1,370/year
Avg. rate after speeding ticket

Key Takeaways

  • Nationwide offers Utah drivers the cheapest car insurance rate at $1,135 annually, which is around 38% lower than the state’s average cost.
  • In Utah, you can find the cheapest car insurance from Nationwide at an annual cost of $1,984, even if you have a history of at-fault accidents.
  • Based on Insure.com’s analysis, the 84341 ZIP code has the cheapest car insurance rates for Utah drivers, with an average cost of $1,663 a year.

Cheap car insurance companies in Utah

Nationwide offers the cheapest car insurance in Utah, with an average price of $1,135 per year. It’s 38% less expensive than the average car insurance cost in Utah. The rates 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 for car insurance from the cheapest car insurance companies.

CompanyAverage annual rates
Nationwide$1,135
GEICO$1,325
Auto-Owners$1,393
Progressive$1,845
United Insurance Co$2,071
Iowa Farm Bureau$2,154
State Farm$2,175
Allstate$2,279
Farmers$2,638
USAA*$1,237

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Utah

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170+

Carriers reviewed
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53M+

Quotes analysed
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34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Utah

The cheapest ZIP code for car insurance in Utah is 84341, with an average annual cost of $1,663. Find below the most affordable ZIP codes for auto insurance rates in Utah.

ZIP codeCityAverage annual rates
84341Logan$1,663
84720Cedar City$1,669
84721Cedar City$1,672
84742Kanarraville$1,675
84737Hurricane$1,680
84532Moab$1,682
84540Thompson$1,682
84701Richfield$1,685
84719Brian Head$1,687
84321Logan$1,693

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Utah by city

Cheapest car insurance in Utah by age

In Utah, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $6,963 more for insurance than a 40-year-old driver.

Below are the cheapest auto insurance rates for Utah drivers of different ages.

Age groupFull coverage annual premiums
Teens (16-19)$6,444
Young Adults (20-24)$2,852
Adults (25-60)$1,807
Seniors (65-75)$1,902

Cheapest car insurance in Utah by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Utah

Here are the top three companies that offer cheap car insurance after a speeding ticket:

  • Nationwide: $1,370 per year
  • Auto-Owners: $1,794 per year
  • State Farm: $2,320 per year

According to Insure.com data, a single speeding ticket can increase your rates by 28% or $507 in Utah.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Utah, below are some insurers that offer cheap car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after accident% Increase$ Increase
Nationwide$1,135$1,37021%$235
Auto-Owners$1,393$1,79429%$401
State Farm$2,175$2,3207%$145
Progressive$1,845$2,38029%$535
Allstate$2,279$2,52611%$247
GEICO$1,325$2,58895%$1,263
Farmers$2,638$3,63738%$999
USAA*$1,237$1,59229%$355

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Utah

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

  • Nationwide: $1,984 per year
  • Auto-Owners: $2,453 per year
  • State Farm: $2,523 per year

Nationwide has the cheapest auto insurance rates for Utah drivers after an at-fault accident at $1,984 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

CompanyAverage annual premiumNew rate after accident% Increase$ Increase
Nationwide$1,135$1,98475%$849
Auto-Owners$1,393$2,45376%$1,060
State Farm$2,175$2,52316%$348
GEICO$1,325$2,60497%$1,279
Progressive$1,845$2,83854%$993
Allstate$2,279$3,22541%$946
Farmers$2,638$4,86284%$2,224
USAA*$1,237$1,90954%$672

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Utah

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

  • Progressive: $2,098 per year
  • State Farm: $2,320 per year
  • Nationwide: $2,547 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

CompanyAverage annual premiumNew rate after accident$ Increase% Increase
Progressive$1,845$2,098$25314%
State Farm$2,175$2,320$1457%
Nationwide$1,135$2,547$1,412124%
GEICO$1,325$2,744$1,419107%
Allstate$2,279$3,067$78835%
Auto-Owners$1,393$3,682$2,289164%
Farmers$2,638$5,258$2,62099%
USAA*$1,237$2,380$1,14392%

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Utah

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Utah is $70 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in Utah?

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.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.

Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable 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 violation 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. 1 At-fault property damage accident over $2K
  2. 1 At-fault property damage accident under $2K
  3. At-fault bodily injury accident
  4. Poor credit
  5. DUI/DWI first offense
  6. Speeding 30+ over limit
  7. Speeding ticket 1-10 MPH over limit
  8. Speeding ticket 11-29 MPH over the limit

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

author image
Shivani Gite
Contributing Writer

 
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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.

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