Cheap Auto Insurance in Utah for 2025 (Lowest Rates With These 10 Companies)
Our top picks for cheap auto insurance in Utah are USAA, Geico, and Travelers, with rates starting at $22 monthly. UUSAA stands out for its exclusive discounts for military members, while Geico offers competitive rates for Utah drivers, making it an ideal choice for those seeking budget-friendly options. Travelers is known for providing competitive prices that can suit different driving needs.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 23, 2025
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6,589 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
19,116 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
1,733 reviewsCompany Facts
Min. Coverage in Utah
A.M. Best Rating
Complaint Level
Pros & Cons
1,733 reviewsUtah’s leading affordable car insurance providers include USAA, Geico, and Travelers, with premiums starting as low as $00 per month. USAA is known for its military discounts, while Geico and Travelers offer competitive rates and budget-friendly pricing for Utah drivers.
USAA, Geico, and Travelers are top providers for cheap car insurance in Utah, thanks to their competitive pricing starting at $22 per month and variety of discounts
Our Top 10 Company Picks: Cheap Auto Insurance in Utah
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | A++ | Military Discounts | USAA |
 | #2 | $33 | A++ | Low Rates | Geico |
 | #3 | $39 | A++ | Competitive Pricing | Travelers |
 | #4 | $41 | A+ | Good Discounts | Nationwide |
 | #5 | $42 | A+ | Snapshot Program | Progressive |
 | #6 | $46 | B | Policy Bundling | State Farm |
 | #7 | $47 | A | Safe Driver | American Family |
 | #8 | $51 | A | Discount Options | Farmers |
 | #9 | $52 | A+ | Drivewise Program | Allstate |
 | #10 | $53 | A | Flexible Plans | Liberty Mutual |
We will give you tips for finding cheap car insurance and review some of the best cheap car insurance providers in Utah .To start comparing quotes, enter your ZIP code in the provided tool above.
- The cheap auto insurance are USAA, Geico, and Travelers
- USAA offers military discounts starting at about $22 monthly
- Geico is known for cheap rates and Travelers is for competitive pricing
#1 – USAA: Top Overall Pick
Pros
- Military Discounts: USAA provides discounts for the military to help eligible members reduce their vehicle insurance costs with personalized offers, which you can check in USAA auto insurance review.
- Excellent Customer Service: Offers provides outstanding customer service , making it easy for members to navigate and manage their auto insurance.
- Low Rates for Safe Drivers: USAA rewards safe driving, allowing responsible drivers to keep their premiums low and maintain affordable coverage.
Cons
- Eligibility Limitations: The services offered by USAA are only available to military families, so those who require coverage cannot take advantage of them.
Limited Availability: The availability of USAA services is limited to a particular group of policyholders due to membership restrictions.
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#2 – Geico: Best for Low Rates
Pros
- Low Rates: Drivers can insure their cars for a lower cost with Geico than with many other providers because of its competitive pricing. Read more through our Geico auto insurance review.
- User-Friendly Website and App: Geico offers an easy-to-use online portal for managing and updating their auto insurance coverage.
- Wide Range of Discounts: Geico’s multiple discount options help make vehicle insurance more affordable, whether through safe driving or other available savings.
Cons
- Limited Personalized Coverage: Geico’s approach may offers fewer choices in particular for customization.
- Customer Service Can Be Hit or Miss: Some customers experience inconsistent customer service in Geico that affects on vehicle coverage.
#3 – Travelers: Best for Competitive Pricing
Pros
- Competitive Pricing: Travelers is a cost-effective options for coverage because it offers affordable premiums. To see more, read our Travelers auto insurance review.
- Comprehensive Coverage Options: Travelers wide range of policies ensures all aspects of your vehicle’s protection are adequately covered.
- Good Discount Programs: Travelers discount can reduce overall cost of insuring your car.
Cons
- Complex Policy Options: Some drivers may find it difficult to select the right coverage for their vehicle due to Travelers’ many policy options and add-ons.
- Mixed Customer Reviews: Travelers gets a variety of feedback, some customers report dissatisfaction with claims handling, impacting the experience for vehicle owners.
#4 – Nationwide: Best for Good Discounts
Pros
- Good for Bundling Policies: Provides attractive discounts when mixing other policies with auto insurance.
- Great Customer Support: Policyholders may experience exceptional assistance to manage their auto insurance and make sure they are taken care of.
- Great for Drivers with a History: Provides affordable rates to drivers with complicated insurance histories, helping people who may have experienced problems in the past.
Cons
- Rates Can Be Higher for Younger Drivers: According to our Nationwide auto insurance review, higher premiums for younger drivers, making it a more costly option for them.
- Limited Coverage for High-Risk Drivers: Nationwide’s options may not be as comprehensive or competitive for drivers considered to be at higher risk.
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#5 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Using Progressive’s innovative Snapshot program can save money on auto insurance since it can track your driving patterns and give you lower prices for safe driving.
- Flexible Options for Coverage: Offers a variety of coverage choices, such as ridesharing and classic car insurance, that suit different vehicle needs. Check more on our Progressive auto insurance review.
- Good for High-Risk Drivers: It offers coverage even for drivers with higher insurance risks, making it a good choice for drivers with less-than-perfect driving records.
Cons
- Premiums Can Be Unpredictable: Your auto insurance price may change unexpectedly as a result of the Snapshot program’s variable pricing based on your driving habits.
- Claims Process Can Be Slow: Several customers have experienced delays when submitting claims to Progressive, which can cause frustration during incidents involving vehicles.
#6 – State Farm: Best for Policy Bundling
Pros
- Policy Bundling Discounts: Offers lower overall insurance expenses by bundling auto insurance with other types of coverage. Discover how it works through our State Farm auto insurance review.
- Strong Financial Stability: State Farm is reliable regarding claims or situations related to your vehicle insurance.
- Large Network of Agents: State Farm’s network of agents will ensure you can receive personalized assistance for your car’s insurance.
Cons
- Limited Discounts for Young Drivers: State Farm offers fewer discounts than other insurers, younger drivers may find their prices are higher for those who are new to auto insurance.
- Not Always the Cheapest Option: For budget-conscious drivers, State Farm may not always offer the most competitive pricing, especially when compared to other providers.
#7 – American Family: Best for Safe Driver
Pros
- Good for Safe Drivers: American Family provides safe drivers with discounts, allowing those with a clean record to save on vehicle insurance.
- Excellent Customer Service: High level of customer service ensures you’ll have a smooth experience when managing your car insurance coverage.
- Great for Families: Offers excellent options for families, with discounts for multiple vehicles and family coverage, making it easier to insure all vehicles under one plan.
Cons
- Higher Premiums for Certain Drivers: As mentioned in our American Family insurance review, it may increase higher premiums for drivers with a history of violations or accidents.
- Limited Availability: American Family’s services are not available nationwide, limiting access to their vehicle insurance policies in certain regions.
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#8 – Farmers: Best for Discount Options
Pros
- Comprehensive Coverage Options: You can get discounts by combining life or house insurance with auto insurance, making it more affordable to protect several aspects of your life.
- Discounts for Multi-Policy Holders: Bundling auto insurance with home or life policies offers big discounts, making it more cost-effective to cover multiple areas of life.
- Strong Claims Support: Farmers’ responsive customer service and claims team ensure that your vehicle’s insurance needs are handled effectively and efficiently.
Cons
- Higher Premiums for New Drivers: Based on our Farmers auto insurance review, it may tend to have higher rates than other insurers; thus, young or new drivers may pay higher premiums.
- Limited Online Tools: Farmers’ online platform is less advanced and user-friendly than some competitors, which may be a drawback for tech-savvy customers managing their car insurance.
#9 – Allstate: Best for Drivewise Program
Pros
- Drivewise Program: Drivewise program tracks safe driving practices and gives drivers rebates or discounts for their efforts, which helps people who drive safely pay less for auto insurance.
- Extensive Coverage Options: Offerings extend beyond basic auto insurance, allowing easy customization with features like accident forgiveness and new car replacement.
- Good Customer Support: Provides quality customer support, ensuring that your experience with managing your vehicle’s insurance is hassle-free.
Cons
- Can Be Expensive for Young Drivers: Young drivers may face higher rates with Allstate than other insurers, which can be costly when insuring their first vehicle.
- Limited Discounts in Some Areas: Some customers may have limited savings as Allstate’s discounts aren’t available in all areas. See our Allstate insurance review to check your place.
#10 – Liberty Mutual: Best for Flexible Plans
Pros
- Flexible Payment Plans: Customers can manage their auto insurance payments according to their budget by choosing to pay their premiums on a monthly or quarterly basis.
- Suitable for Drivers with Special Needs: Offers exclusive coverage choices for hybrid or electric cars. For more information, check out our Liberty Mutual auto insurance review.
- Substantial Discounts for Bundling: Lowers the cost of auto insurance by providing significant savings when combined with other coverage.
Cons
- Customer Service Inconsistency: Some consumers have complained about inconsistent customer service, especially when handling claims involving vehicles.
- Higher Rates for High-Risk Drivers: Drivers who have a history of violations may charge higher premiums, making it less suitable for high-risk drivers.
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Cheap Auto Insurance in Utah
Selecting auto insurance that suits your budget and needs can be complicated and overwhelming. Understanding the available coverage options is crucial when shopping for car insurance in Utah.
Utah Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $117 |
| $47 | $105 |
| $51 | $115 |
| $33 | $73 |
| $53 | $119 |
| $41 | $93 |
| $42 | $95 |
| $46 | $103 |
| $39 | $88 |
| $22 | $50 |
It is essential to know what the best coverage for car insurance is and carefully choose what is suitable for your needs. Minimum Car Insurance Requirements in Utah.
Auto Insurance Discounts From the Top Providers in Utah
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Smart Student, Drivewise (Usage-Based), New Car, Anti-Lock Brakes, Safe Driving Club |
| Multi-Policy, Good Student, Defensive Driver, Loyalty, Early Bird, Low Mileage, Generational, Smart Home |
| Multi-Policy, Good Student, Signal (Usage-Based), Bundling, Affinity, Homeowner, Senior Driver |
| Multi-Policy, Good Driver, Good Student, Anti-Theft Device, Military, Emergency Deployment, New Vehicle |
| Multi-Policy, Good Student, New Car, RightTrack (Usage-Based), Accident-Free, Paperless, Military |
| Multi-Policy, Accident-Free, Good Student, Paperless, SmartRide, Defensive Driving Course, Anti-Theft |
| Multi-Policy, Good Student, Snapshot (Usage-Based), Continuous Insurance, Teen Driver, Online Quote, Homeowner |
| Multi-Policy, Good Student, Drive Safe & Save (Usage-Based), Steer Clear (Young Driver), Anti-Theft, Passive Restraint |
| Multi-Policy, Safe Driver, Home Ownership, Hybrid/Electric Vehicle, Good Student, Continuous Insurance |
| Safe Driver, Good Student, Multi-Policy, Military, Defensive Driving Course, Vehicle Storage, Low Annual Mileage |
Explore our car insurance guide by entering your ZIP code to compare affordable rates and save with top providers in Utah.
Minimum Car Insurance Requirements in Utah
Use our car insurance guide to understand more about the minimum car insurance requirements in the area of Utah.
To understand better no-fault, after a car accident, your own car insurance coverage, which means personal injury protection that pays for medical treatment and other out-of-pocket losses incurred by anyone covered under the policy, up to coverage limits, regardless of who caused the accident.
Utah Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Logan | 1,200 | 900 |
| Ogden | 3,500 | 2,800 |
| Orem | 2,800 | 2,200 |
| Provo | 3,000 | 2,400 |
| Salt Lake City | 8,500 | 7,000 |
| Sandy | 2,400 | 1,900 |
| South Jordan | 1,800 | 1,400 |
| St. George | 2,000 | 1,600 |
| West Jordan | 3,200 | 2,600 |
| West Valley City | 4,500 | 3,800 |
But with a no-fault claim, you can’t get compensation for your “pain and suffering” and other non-monetary damages stemming from the accident.
5 Common Auto Insurance Claims in Utah
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Fender Benders | 30% | $2,500 |
| Windshield Damage | 25% | $400 |
| Rear-End Collisions | 20% | $4,000 |
| Deer-Related Accidents | 15% | $3,500 |
| Theft & Vandalism | 10% | $5,000 |
Liability insurance is usually a safety net type of insurance. If you get into a car accident, vehicle repairs can be too expensive, and not everyone has that kind of money to waste.
Liability insurance is there to help you cover these costs but keep in mind that liability insurance may not cover every cost resulting from an accident. That’s why having more insurance is always better.
Utah Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| State Minimum Coverage Rates | A- | Among the lowest in the country |
| Discounts & Savings Opportunities | B+ | Many discounts available for safe drivers |
| Affordability | B | Rates are below the national average |
| Full Coverage Rates | B- | Costs are reasonable but vary by insurer |
| Rate Trends | C+ | Slight increases due to inflation |
| Traffic & Accident Rates | C | Moderate accident rates affect premiums |
| Vehicle Theft Rates | C- | Theft rates are lower but still a factor |
| Uninsured Drivers | D+ | Some uninsured drivers increase risk |
Your auto insurance includes $3,000 in personal injury protection coverage, $25,000 in liability coverage per person for injury from an accident you cause, and $65,000 total liability coverage per accident if people are injured in an accident you cause.
Utah Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver Discount | A | 30% | Most major insurers |
| Multi-Policy Discount | A- | 25% | State Farm, Allstate, Farmers, Progressive |
| Good Student Discount | B+ | 20% | Geico, State Farm, Progressive |
| Low Mileage Discount | B | 15% | Nationwide, Allstate, USAA |
| Anti-Theft Discount | B- | 10% | Most major insurers |
| Defensive Driving Discount | C+ | 10% | American Family, Farmers |
| Pay-in-Full Discount | C | 10% | Progressive, Liberty Mutual |
Additionally, it provides $15,000 in coverage for property damage you cause in a car accident. Enter your ZIP code to compare rates and find the best coverage options.
Cheapest Car Insurance Companies in Utah
Based on the information below, Geico, USAA, and Travelers are the car insurance companies offering the lowest premiums or best value for coverage in Utah.
Auto Insurance Discounts From Top Utah Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
American Family offers substantial discounts for all categories. Geico and Liberty Mutual offer the best discounts on anti-theft, bundling, and good driving. To discover the most affordable insurance in your area, enter your ZIP code.
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Best Auto Insurance in Utah
With a better understanding of how car insurance works and what to look for, finding the ideal auto insurance in Utah, that matches your lifestyle should be much easier.
The top auto insurance provider in Utah are USAA, Geico, and Travelers offering military discounts, low rates and competitive pricing to fit your vehicle’s requirements. To discover the top insurance options in your area, enter your ZIP code.
Car insurance rates in Utah can change significantly, which is why it’s essential to compare offers from various providers to find the most suitable coverage for you.
Kristen Gryglik Licensed Insurance Agent
You can find the right insurance coverage for you and your vehicle in Utah by following these guidelines and tips. This will help you get an affordable price that keeps you safe on the roads and fits within your budget, To get started, just enter your ZIP code below.
Frequently Asked Questions
What are the primary benefits of choosing USAA for auto insurance in Utah, and how do military discounts influence its affordability?
USAA benefits military members due to its exclusive discounts, which significantly lower premiums for eligible drivers in Utah.
How does Geico compare to other providers in terms of offering competitive rates for Utah drivers?
Geico offers competitive rates in Utah by utilizing efficient pricing models and discounts, making it a strong choice for affordable auto insurance. Enter your ZIP code to compare options
What factors make Travelers an attractive option for budget-conscious drivers in Utah?
Travelers are appealing to budget-conscious drivers because of its competitive pricing and flexible coverage options tailored to various driving needs.
What are the minimum car insurance requirements in Utah, and why is it important to understand these requirements when selecting a policy?
Utah requires minimum coverage that includes personal injury protection, liability coverage for bodily injury and property damage, and it’s essential to meet these to comply with state law.
How does the “no-fault” system in Utah impact car insurance claims, particularly regarding personal injury protection?
The “no-fault” system in Utah ensures that drivers receive compensation for medical expenses and other losses regardless of who caused the accident, but it doesn’t cover non-monetary damages. To compare rates and coverage options available in your area, enter your ZIP code.
What are the key differences between liability insurance and other types of coverage, and why is liability insurance essential for drivers in Utah?
Liability insurance helps cover the costs of damages or injuries to others when you’re at fault, while additional coverage types like collision or comprehensive insurance cover your own vehicle.
How do insurance companies like Geico, Liberty Mutual, and American Family offer discounts, and which discounts are most beneficial for Utah drivers?
Geico, Liberty Mutual, and American Family offer discounts for good driving, anti-theft systems, and bundling policies, providing significant savings on premiums.
What role does the “Snapshot Program” offered by Progressive play in lowering auto insurance premiums?
Progressive’s Snapshot Program tracks driving habits and rewards safe driving with potential discounts on premiums, making it ideal for low-risk drivers, enter your ZIP code to see if you qualify.
What advantages does State Farm’s policy bundling provide for Utah drivers looking to save on car insurance?
State Farm’s policy bundling allows drivers to combine car and home insurance, resulting in discounts that lower overall premiums for multiple policies
How do Utah’s car accident statistics impact insurance premiums, and how can drivers protect themselves from increased rates due to higher accident frequency in certain areas?
Car accident statistics in Utah influence insurance premiums by increasing rates in high-accident areas, emphasizing the need for good coverage to protect against costly claims.