Low-cost car insurance in Utah

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Utah, Nationwide offers the cheapest average premium at $1,188 per year. For comparison, the statewide average monthly cost is $188, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Utah, the minimum liability requirement is $30,000 for bodily injury per person, $65,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Nationwide has the cheapest average premium in Utah, coming in at $1,188 per year – about $1,062 compared to the state average.
For drivers with an at-fault accident on their record, Nationwide offers the lowest rates, with annual costs averaging $2,076.
The 84341 ZIP code is the least expensive area in Utah for car insurance, with an average yearly premium of $2,014.

Low-cost car insurance businesses in Utah

When comparing insurers in Utah, Nationwide leads the pack with an annual average of $1,188. That’s $1,062 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Utah.

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

Drivers in 84341 benefit from the lowest average premium in the state, at $2,014 per year. See the table below to find other ZIP codes in Utah where insurance tends to be cheaper.

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

You might find interesting

Explore related topics

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in Utah by age

Teen drivers in Utah pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $9,681 more than a 40-year-old driver in Utah.

The table below shows low-cost car insurance rates for drivers of different ages.

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

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Utah

One speeding ticket in Utah can cause your insurance rates to jump by 28%, or roughly $626 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even 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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Nationwide is the lowest-cost option for these drivers, with an average annual premium of $2,076.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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 often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Utah keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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 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.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost 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 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 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.