Nationwide offers top coverage and discounts, while Farmers and Progressive focus on affordability.
Shop for the best UT car insurance quotes with our free quote comparison tool. Just enter your ZIP code to begin.
Best Car Insurance in Utah for 2025 [Find the Top 10 Companies Here]
Nationwide, Farmers and Progressive offer the best car insurance in Utah, with Nationwide being the cheapest at $42 per month. Farmers and Progressive are also known for their affordable rates, comprehensive coverage options, and customized Utah auto insurance policies, meeting local driver's 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...
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UPDATED: Apr 12, 2025
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2nd Best in Utah: Farmers
3,072 reviewsCompany Facts
Full Coverage in Utah
$115/mo
A.M. Best Rating
A
Complaint Level
Low
Pros & Cons
3,072 reviews3rd Best in Utah: Progressive
13,283 reviewsCompany Facts
Full Coverage in Utah
$95/mo
A.M. Best Rating
A+
Complaint Level
Med
Pros & Cons
13,283 reviewsGetting the best car insurance in Utah is simple with top companies such as Nationwide, Farmers, and Progressive, which provide initial rates as low as $22 per month.
These insurance companies in Utah are known for their adjustable deductibles, family plans, cheap rates, and reliable customer support.
Our Top 10 Company Picks: Best Car Insurance in Utah
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A+ | Vanishing deductible | Nationwide |
 | #2 | 20% | A | Family Plans | Farmers |
 | #3 | 10% | A+ | Budgeting Tools | Progressive |
 | #4 | 25% | A++ | Affordable premiums | Geico |
 | #5 | 13% | A++ | Competitive rates | Travelers |
 | #6 | 25% | A | Comprehensive discounts | Liberty Mutual |
 | #7 | 10% | A++ | Military benefits | USAA |
 | #8 | 17% | B | Customer service | State Farm |
 | #9 | 25% | A | Bundling discounts | American Family |
 | #10 | 25% | A+ | Coverage variety | Allstate |
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This car insurance guide will walk you through essential details, including Utah car insurance quotes, local driving laws, and key safety tips to help you stay informed on the road.
Can't-Miss Facts
- Nationwide, Farmers, and Progressive offer top coverage options in Utah
- Utah drivers get tailored policies with strong discounts and benefits
- The best car insurance in Utah includes flexible plans for all driver needs
Read More: Car Insurance Rates by State
#1 – Nationwide: Top Overall Pick
Pros
- Vanishing Deductible: According to our Nationwide car insurance review, safe drivers can reduce their deductible over time.
- Substantial Bundling Discounts: Nationwide offers up to 20% savings when bundling auto, home, and more.
- High Financial Strength: Nationwide Insurance holds an A+ rating from A.M. Best for strong claims reliability.
Cons
- Higher Premiums for Some Drivers: Nationwide may have higher rates for Utah drivers with past accidents.
- Limited Coverage Availability: Some specialty policies from Nationwide may not be available in all states.
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#2 – Farmers: Best for Family Plans
Pros
- Budget-Friendly for Families: Multi-car and young driver discounts are money-saving options for families, according to Farmers car insurance reviews.
- Diverse Options for Coverage: Unusual add-ons like accident forgiveness and roadside assistance offer good coverage.
- Good Customer Service: Personalized service by local agents makes claiming a breeze affair in Farmers insurance.
Cons
- Limited Savings Opportunities: Fewer bundling discounts result in a maximum discount of 20% for Utah drivers.
- Higher Initial Premiums: Basic rates are more expensive than other insurers, impacting the affordability of Utah automobile insurance.
#3 – Progressive: Best for Budgeting Tools
Pros
- Budget Features: Features such as Name Your Price and Snapshot allow for easier cost planning. Progressive car insurance review discusses these features.
- Varied Discount Choices: You can get discounts with multi-policy, early enrollment, and safe driver discounts, making it the ideal option for budget-conscious motorists.
- Seamless Digital Access: The highly-rated app streamlines policy administration and claims, providing an easy experience in Progressive insurance.
Cons
- Increased Premiums for Risky Drivers: Those involved in accidents or DUIs can be charged higher premiums, making it less preferable for risky drivers.
- Limited In-Person Support: Service is primarily online or by phone, which can be less desirable for those who prefer in-person service from nearby agents. The best car insurance companies typically provide more local support.
#4 – Geico: Best for Affordable Premiums
Pros
- Affordable Rates: Geico car insurance review highlights its affordable rates in Utah, making it an ideal choice for budget-conscious drivers without sacrificing quality.
- Seamless Digital Experience: Geico offers 24/7 access to online and mobile tools for managing policies and claims, making it convenient for Utah drivers.
- Top-Notch Customer Service: Geico is praised for its responsive support and efficient claims process, providing easy and quick solutions for drivers in Utah.
Cons
- Limited Local Agent Access: Geico car insurance in Utah is primarily digital, which may be a drawback for those seeking in-person assistance or advice.
- Fewer Coverage Options: Geico offers fewer add-on options compared to competitors, limiting customization of policies for Utah drivers who need specialized coverage.
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#5 – Travelers: Best for Competitive Rates
Pros
- Low Prices: Travelers car insurance review emphasizes its competitive costs, making it a nice option for many UT drivers.
- Financial Stability: With an A++ rating from A.M. Best, Travelers promises secure claims payment, placing it among the top best auto insurance providers.
- Discount Options: Combining home, automobile, and other policies with Travelers offers considerable discounts.
Cons
- Limited Local Presence: Travelers mainly do business online, so fewer local agents in Utah are present to provide in-person service.
- Fewer Safe Driver Rewards: Travelers does not provide incentives such as vanishing deductibles or usage-based discounts like other providers.
#6 – Liberty Mutual: Best for Comprehensive Discounts
Pros
- Broad Discount Range: Save cash through bundling, multi-vehicle policies, and safe driver incentives.
- Flexible Coverage Options: Policies feature accident forgiveness, new car replacement, and other add-on features.
- Strong Financial Position: A.M. Best gives Liberty Mutual an A rating, guaranteeing claims stability and customer trust.
Cons
- Higher Base Premiums: Policyholders could pay higher rates than other insurers without discounts.
- State-Specific Discounts: Certain discounts in this Liberty Mutual car insurance review might not apply everywhere.
#7 – USAA: Best for Military Benefits
Pros
- Personalized Military Perks: Military families have unique policies and discounts, as our USAA car insurance review indicates.
- Top-Rated Service: Customers repeatedly compliment the company’s claims process and customer service in Utah.
- Budget Plans: USAA provides lower premiums than most insurance companies in Utah, making coverage more accessible.
Cons
- Exclusive Membership: The coverage is exclusively reserved for military members and their immediate family members.
- Fewer Physical Locations: USAA has fewer branches than other insurers, limiting face-to-face service interaction.
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#8 – State Farm: Best for Customer Service
Pros
- Broad Network of Local Agents: State Farm’s extensive coverage provides individualized service, as noted in our Utah auto insurance guide.
- Valuable Discounts: Save on your policy with Drive Safe & Save, multi-policy, and student discounts.
- Solid Claims Satisfaction: State Farm is famous for its responsive and reliable claims process, providing 24/7 local agent assistance.
Cons
- Expensive for Young Drivers: State Farm provides very good customer service in Utah, although young drivers will possibly pay higher than older, more experienced drivers.
- Limited Digital Tools: The State Farm car insurance review states that the website and mobile app lack some of the features that other insurers provide.
#9 – American Family: Best for Bundling Discounts
Pros
- Significant Savings With Bundles: Package home and car policies to gain up to 25% discounts.
- Top-Tier Support: Customers praise the company’s claims handling and agent assistance for a smooth experience.
- Suitable for Safe Drivers: The American Family car insurance review discusses the KnowYourDrive program, which helps you save even more.
Cons
- Restrictions on Availability: Utah insurance quotes with AmFam are only available in select states.
- Expensive Without Bundles: Auto insurance premiums are typically more costly if you do not bundle your policies.
#10 – Allstate: Best for Coverage Variety
Pros
- Comprehensive Coverage Options: Offers unique benefits such as accident forgiveness and rideshare insurance, as noted in the Allstate car insurance review.
- User-Friendly Digital Experience: Both its mobile app and online tools are rated very high for effectively managing policies.
- Valuable Discount Opportunities: With Utah discount insurance programs, such as safe driver, multi-car, and anti-theft, you can enjoy cheap rates.
Cons
- Relatively High Premiums: Minimum rates can be higher than those of other Utah insurance providers.
- Inconsistent Customer Service: While some customers have had positive experiences, others report issues with claims support, which may impact overall satisfaction.
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Minimum Car Insurance Coverage Requirements in Utah
Utah mandates that drivers have liability and PIP coverage. These coverages cover medical expenses, property damage, and lost income. Lack of insurance results in fines or suspension of license.
Utah Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $117 |
| $47 | $105 |
| $51 | $115 |
 | $33 | $73 |
| $53 | $119 |
| $42 | $93 |
| $43 | $95 |
 | $46 | $103 |
| $39 | $88 |
 | $22 | $50 |
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Knowing car insurance rates in Utah helps drivers select coverage. Minimum monthly costs begin at $22. Full coverage can cost up to $119 a month. Quote comparison helps find savings.
Car Insurance Discounts From the Top Providers in Utah
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Bundling, Good Student, New Car, Anti-Theft, Responsible Payer, Smart Student |
| Bundling, Loyalty, Good Student, Multi-Vehicle, Early Bird, Accident-Free, Defensive Driving |
| Signal Safe Driver, Bundling, Multi-Car, Good Student, Anti-Theft, Homeowner |
| Military, Good Driver, Multi-Policy, Multi-Vehicle, Good Student, Anti-Theft, Defensive Driving |
| New Car Replacement, Multi-Policy, Safe Driver, Vehicle Safety, Good Student, Alternative Energy |
| Bundling, Safe Driver, Accident-Free, Anti-Theft, Good Student, Defensive Driving, Paperless |
| Snapshot Safe Driver, Multi-Car, Bundling, Good Student, Continuous Insurance, Sign Online |
| Drive Safe & Save, Bundling, Good Student, Accident-Free, Defensive Driving, Anti-Theft |
| Intellidrive Safe Driver, Multi-Policy, Homeownership, Good Student, New Car, Continuous Insurance |
| Military, Multi-Policy, Safe Driver, New Vehicle, Good Student, Loyalty, Defensive Driving |
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Insurers provide discounts for bundling, good driving, or anti-theft systems. IntelliDrive or Snapshot rewards safe drivers with lower premiums, saving money.
Utah’s minimum coverage is $25,000 per individual, $65,000 per accident, and $15,000 for property damage. A serious accident can exceed these, so higher limits are a good idea.
Utah Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $117 |
| $47 | $105 |
| $51 | $115 |
| $33 | $73 |
| $53 | $119 |
| $42 | $93 |
| $43 | $95 |
| $46 | $103 |
| $39 | $88 |
| $22 | $50 |
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Full coverage offers better protection, including collision and comprehensive insurance. Checking customer reviews and claim processes ensures reliable service when needed.
Knowing how insurance works helps when filing car accident claims. Minimum coverage is required, but higher limits prevent major expenses.
Factors Affecting Car Insurance Rates in Utah
Age and marital status are key factors that affect the price of car insurance in Utah. Young drivers face the highest rates, while married individuals often get discounts. Gender has little impact on pricing.
Utah Car Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $240 | $270 | $170 | $180 | $140 | $150 | $120 | $130 |
| $230 | $260 | $160 | $170 | $130 | $140 | $110 | $120 |
| $225 | $255 | $155 | $165 | $125 | $135 | $105 | $115 |
| $210 | $240 | $140 | $150 | $110 | $120 | $90 | $100 |
| $235 | $265 | $165 | $175 | $135 | $145 | $115 | $125 |
| $220 | $250 | $150 | $160 | $120 | $130 | $100 | $110 |
| $230 | $260 | $160 | $170 | $130 | $140 | $110 | $120 |
| $220 | $250 | $150 | $160 | $120 | $130 | $100 | $110 |
| $215 | $245 | $145 | $155 | $115 | $125 | $95 | $105 |
| $200 | $230 | $130 | $140 | $100 | $110 | $85 | $95 |
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Location plays a major role in determining rates for auto insurance in UT. Urban areas, like Salt Lake City’s 84104 ZIP code, see higher premiums due to traffic, accidents, and crime, while rural areas tend to have lower costs.
Driving history, credit score and coverage choices impact the average Utah car insurance costs. Safe drivers with good credit get lower rates, while full coverage policies cost more but offer better protection.
Utah Car Insurance Rates by ZIP Code
| ZIP | Rates |
|---|---|
| 84101 | $120 |
| 84102 | $115 |
| 84103 | $130 |
| 84104 | $140 |
| 84105 | $110 |
| 84106 | $125 |
| 84107 | $135 |
| 84108 | $150 |
| 84109 | $145 |
| 84111 | $118 |
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Best Utah Car Insurance Companies
Getting the best auto insurance in Utah that motorists can count on involves considering coverage, budget, and the provider’s reputation. Shopping around for quotes from companies such as Nationwide, Farmers, and Progressive ensures getting the best prices.
Top insurers offer various discounts, including bundling, safe driving, and good student savings. Companies like Allstate, Geico, and State Farm reward policyholders for accident-free records, multi-policy deals, and other cost-saving factors.
Car Insurance Discounts From the Top Providers in Utah
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Bundling, Good Student, New Car, Anti-Theft, Responsible Payer, Smart Student |
| Bundling, Loyalty, Good Student, Multi-Vehicle, Early Bird, Accident-Free, Defensive Driving |
| Signal Safe Driver, Bundling, Multi-Car, Good Student, Anti-Theft, Homeowner |
| Military, Good Driver, Multi-Policy, Multi-Vehicle, Good Student, Anti-Theft, Defensive Driving |
| New Car Replacement, Multi-Policy, Safe Driver, Vehicle Safety, Good Student, Alternative Energy |
| Bundling, Safe Driver, Accident-Free, Anti-Theft, Good Student, Defensive Driving, Paperless |
| Snapshot Safe Driver, Multi-Car, Bundling, Good Student, Continuous Insurance, Sign Online |
| Drive Safe & Save, Bundling, Good Student, Accident-Free, Defensive Driving, Anti-Theft |
| Intellidrive Safe Driver, Multi-Policy, Homeownership, Good Student, New Car, Continuous Insurance |
| Military, Multi-Policy, Safe Driver, New Vehicle, Good Student, Loyalty, Defensive Driving |
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Maintain a spotless driving record, combine policies, and take advantage of savings for safe driving or car safety to keep your premiums cheap. You can be sure you’re receiving the greatest bargain by comparing quotes.
Nationwide stands out for its vanishing deductible program, which rewards safe drivers by reducing their deductible over time.Kristine Lee Licensed Insurance Agent
Aside from cost, it’s important to know how to drive safely, no matter the time of day. Having an insurer with good claims support and flexible coverage guarantees your safety on the road at any time.
Shop for the best UT car insurance quotes with our free quote comparison tool. Enter your ZIP code to begin.
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Frequently Asked Questions
What factors contribute to Nationwide being ranked as the top car insurance provider in Utah?
Nationwide ranks highest for its vanishing deductible, while Farmers and Progressive offer strong family plans and budgeting tools. Discover when to use your deductible.
How do the minimum car insurance coverage requirements in Utah compare to those of other states?
Utah requires liability and PIP coverage, and failing to meet these can lead to fines and license suspension. Finding cheap car insurance quotes in Utah is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
What role do demographic factors play in determining car insurance premiums in Utah?
Age, marital status, and location impact rates, with cities like Salt Lake City having higher premiums.
How do discounts impact policy costs?
Discounts like bundling and safe driver rewards can lower rates without reducing coverage. Learn how to lower your car insurance costs.
What are the advantages and disadvantages of choosing higher coverage limits instead of sticking with Utah’s minimum required coverage?
Higher coverage offers better financial protection, while Utah state minimum car insurance coverage is cheaper but riskier.
Why is gender not a major factor in car insurance rate calculations in Utah?
Utah insurers emphasize age and marital status, as unmarried and younger drivers are more costly.
How does Utah’s requirement for personal injury protection (PIP) coverage impact drivers?
PIP ensures medical costs are covered regardless of fault, unlike in states without this requirement. Explore the different types of car insurance coverage for more insights.
What are some strategies Utah drivers can use to lower their car insurance costs?
Maintaining a clean record, raising deductibles, and comparing quotes help reduce costs.
How do the complaint level and A.M. Best rating of different insurers influence choosing a policy?
These ratings reflect financial stability and service quality, helping drivers choose reliable insurers. Finding affordable car insurance in Utah doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
What trends in car insurance rates have been observed in Utah in recent years, and how might they change?
Rates fluctuate due to economic factors, so comparing quotes regularly helps find the best deals. Read more about car insurance rates by state.