The best cheap car insurance in Utah

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Car insurance is fairly affordable for Utah drivers. The average driver pays $889.67, about $100 less than the US national average, according to the Insurance Information Institute. But, that’s not to say that there aren’t still some ways to save if you’re willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you’re getting the best price for you. Your premium, or the amount you’ll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Utah. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The following are the most popular car insurance companies in Utah, based on the percentage of insured Utah drivers who use them:

Company Market share (%)
State Farm 14.07
Allstate 11.78
GEICO 9.95
Progressive 9.27
Farmers Insurance 8.14
Bear River Mutual Insurance Co 6.41
USAA* 5.18
Liberty Mutual 5.07
American Family Insurance 4.44
Auto-Owners Insurance 3.08
Farm Bureau 2.59
MetLife 1.99
Travelers 1.97
Nationwide 1.92
American National 1.41
CSAA Insurance Exchange 1.35
Sentry 1.12
United Insurance Co. 0.90
Root Insurance Co. 0.78
The Hartford 0.78
CSE Insurance 0.75
Mutual of Enumclaw 0.71
Western General Insurance Co. 0.58
State Auto 0.57
MGA Insurance Co. 0.54

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southwest region (which includes Utah):

  1. American Family & GEICO (tie)
  2. Allstate
  3. The Hartford
  4. Region Average
  5. State Farm
  6. Farmers
  7. Liberty Mutual
  8. Safeco
  9. CSAA Insurance
  10. Travelers
  11.  Progressive
  12. Nationwide

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • GEICO car insurance: $672 per year
  • USAA car insurance: $676 per year
  • State Farm car insurance: $880 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • GEICO car insurance: $783 per year
  • USAA car insurance: $796 per year
  • American Family car insurance: $1,105 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • GEICO car insurance: $1,124 per year
  • American Family car insurance: $1,668 per year
  • USAA car insurance: $1,836 per year

For a driver in Utah age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
AAA NCNU $84
Root $112
USAA* $113
Farmers $121
State Farm $135
Bristol West $139
Allstate $140
Liberty Mutual $147
Safeco $152
Esurance $157
American Family $170

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 999 policyholders in the state of Utah

For a driver in Utah age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
GEICO $130
Esurance $142
Progressive $148
Allstate $156
Farmers $225
Bristol West $334

Above data obtained from Savvy, based on 999 policyholders in the state of Utah

Below is the estimated average annual premium of auto insurance policies per household in Utah’s most populous cities:

Company Average annual insurance premium
Salt Lake City $1,319
West Valley City $1,390
Provo $1,303
West Jordan $1,483
Orem $1,395
Sandy $1,514
Ogden $1,283
St. George $1,337
Layton $1,461
South Jordan $1,589
Lehi $1,588
Millcreek $1,393
Taylorsville $1,378
Draper $1,628
Logan $1,263
Murray $1,372
Riverton $1,595
Bountiful $1,444
Spanish Fork $1,494
Roy $1,440
Pleasant Grove $1,455
Herriman $1,631
Kearns $1,416
Tooele $1,374
Springville $1,438
Cottonwood Heights $1,502
Cedar City $1,241
Eagle Mountain $1,571
Clearfield $1,378
Kaysville $1,578
Midvale $1,331
Syracuse $1,602
American Fork $1,489
Magna $1,417
Saratoga Springs $1,607
Holladay $1,480
Washington $1,391
South Salt Lake $1,237
Farmington $1,620
Clinton $1,521

Data from S&P Global Intelligence

As the data above shows, your credit score is one of the bigger influences on the price you’ll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it’s critical to shop around. 

If you want to get the best rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Utah is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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