10 Best Auto Insurance Companies in Utah for 2025

Nationwide, State Farm, and American Family are the best auto insurance companies in Utah. Geico offers the cheapest Utah car insurance at $50 a month, but Nationwide offsets its higher rates with usage-based discounts of up to 40%. If you bundle home coverage with State Farm auto insurance in UT, you can save 17%.

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4.00
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Updated Jul 2024
Allstate's best-in-class products and services help provide innovative protection and retirement solutions to ... more
Allstate's best-in-class products and services help provide innovative protection and retirement solutions to millions of households nationwide.\n\nOur evolving business strategies and solutions continue to reinvent the industry standards, helping our customers better protect what they have today and prepare for a brig less
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Geico, short for Government Employees Insurance Company, is an American auto insurance company. It was founded... more
Geico, short for Government Employees Insurance Company, is an American auto insurance company. It was founded in 1936 and is currently headquartered in Chevy Chase, Maryland. Geico is known for its catchy advertising campaigns and its focus on providing affordable car insurance to a wide range of customers. The compan less
4.11
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Updated Aug 2025
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Nationwide, State Farm, and American Family are the best auto insurance companies in Utah. Geico has the lowest Utah car insurance rates, starting at $50 per month, while Nationwide offers competitive safe driving discounts.

Quick Overview

  • Get the best auto insurance in Utah with rates starting at $50 per month
  • Nationwide is the top pick in Utah for its strong discounts up to 40%
  • Utah drivers can save on full coverage with bundling and telematics options

Nationwide offers one of the largest usage-based discounts in Utah, saving drivers up to 40% based on driving habits.

State Farm combines up to 30% in safe driver discounts with strong local agent support, making it a reliable option for those who value personalized service.

Top 10 Companies: Best Auto Insurance in Utah
CompanyRankClaims
Satisfaction
A.M. BestBest forJump to Pros/Cons
Nationwide Tablepress Logo#1661 / 1,000A+Usage DiscountsNationwide
State Farm TablePress Logo#2648 / 1,000A++Local AgentsState Farm
American Family TablePress Logo#3635 / 1,000ACustom PoliciesAmerican Family
The Hartford Table Press Logo#4628 / 1,000A+Bundling PoliciesThe Hartford
Allstate TablePress Logo#5627 / 1,000A+Drivewise ProgramAllstate
Travelers TablePress Logo#6626 / 1,000A++Coverage OptionsTravelers
Geico TablePress Logo#7624 / 1,000A++Budget RatesGeico
Farmers Tablepress Logo#8623 / 1,000ASafe DriversFarmers
Progressive TablePress Logo#9616 / 1,000A++High-Risk DriversProgressive
Liberty Mutual TablePress Logo#10591/ 1,000AAdd-On OptionsLiberty Mutual
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American Family adds value with customizable policies and bundling discounts of 25% that help Utah families save.

The top auto insurance companies in Utah offer drivers secure, low-cost coverage with lasting value. Enter your ZIP code to compare quotes and buy auto insurance from trusted providers quickly.

Getting Cheap Auto Insurance Rates in Utah

Utah drivers can find the cheapest car insurance from many well-known companies, but prices change depending on the type of coverage. For this comparison, we looked at a 45-year-old driver in Utah to show how rates differ between minimum and full coverage.

Geico has the lowest rates, starting at $50 per month for minimum coverage and $113 monthly for full coverage. Nationwide stands out with mid-range rates at $64 a month for minimum coverage

Utah Auto Insurance Monthly Rates
Insurance CompanyMinimum CoverageFull Coverage
Allstate TablePress Logo$80$180
American Family TablePress Logo$72$162
Farmers Tablepress Logo$79$177
Geico TablePress Logo$50$113
Liberty Mutual TablePress Logo$82$183
Nationwide Tablepress Logo$64$144
Progressive TablePress Logo$65$146
State Farm TablePress Logo$71$158
The Hartford Table Press Logo$62$161
Travelers TablePress Logo$61$136
Compare RatesStart Now →

State Farm and American Family also give solid choices for drivers who want a mix of affordable prices and reliable coverage.

Even if their starting rates are initially higher, all three top companies lower their rates with competitive discounts for bundling and safe driving.

Cheap Utah Auto Insurance by Age Group

Age plays a major role in what Utah drivers pay for car insurance, as per minimum coverage rates in the state of Utah.

Teen drivers face the highest costs, while rates drop steadily with age and more driving experience.

Utah drivers should revisit their policies every year. Rates change often, and comparing quotes regularly is one of the easiest ways to make sure you’re not overpaying.

Michelle Robbins Licensed Insurance Agent

For 16-year-olds, Farmers and Travelers are the most expensive at over $570 a month, while Geico is the cheapest at $188 monthly.

By age 25, rates drop a lot, and Geico is the cheapest again at $46 a month.  Middle-aged drivers between 35 and 55 pay the least overall.

Utah Auto Insurance Monthly Rates by Age
Insurance CompanyAge: 16Age: 25Age: 35Age: 45Age: 55Age: 65
Allstate TablePress Logo$356$94$86$80$76$79
American Family TablePress Logo$495$89$82$72$68$74
Farmers Tablepress Logo$574$103$96$79$74$77
Geico TablePress Logo$188$46$44$50$48$49
Liberty Mutual TablePress Logo$395$89$83$82$77$80
Nationwide Tablepress Logo$361$85$79$64$64$63
Progressive TablePress Logo$583$95$90$65$62$65
State Farm TablePress Logo$324$96$91$71$70$69
The Hartford Table Press Logo$335$77$75$62$58$71
Travelers TablePress Logo$598$73$67$61$57$60
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Most Utah drivers can expect much cheaper rates as they get older and keep a clean record. Nationwide, Travelers and The Hartford are offering prices under $65 a month.

At age 65, prices stay low, with Travelers at $60 monthly and Nationwide at $63 per month. Read our relevant guide about the cheap auto insurance for seniors for full details.

Cheap Utah Auto Insurance Based on Driving History

In Utah, your driving history strongly affects what you pay for car insurance. Even one accident, DUI, or speeding ticket can raise your monthly cost. The rates below are based on a 45-year-old male driver carrying minimum coverage.

Geico offers cheap auto insurance for high-risk drivers. Rates start at $63 a month after a speeding ticket and rise only $30-$40 per month after an accident or DUI.

Utah Auto Insurance Monthly Rates by Driving Record
Insurance CompanyClean RecordOne AccidentOne DUIOne Ticket
Allstate TablePress Logo$80$106$110$89
American Family TablePress Logo$72$105$139$86
Farmers Tablepress Logo$79$116$111$96
Geico TablePress Logo$50$86$96$63
Liberty Mutual TablePress Logo$82$111$120$102
Nationwide Tablepress Logo$64$111$139$76
Progressive TablePress Logo$65$120$74$91
State Farm TablePress Logo$71$85$77$77
The Hartford Table Press Logo$62$89$93$74
Travelers TablePress Logo$61$85$126$82
Compare RatesStart Now →

State Farm car insurance in Utah also does well by keeping increases smaller after tickets or accidents, making it a steady option for drivers with past violations.

On the other hand, AmFam and Nationwide jump to $139 per month after a DUI, while Farmers and Liberty Mutual also see noticeable hikes with tickets or accidents.

Cheapest Auto Insurance Rates in Utah Cities

Auto insurance costs in Utah vary widely by city, with monthly rates ranging from about $74 to $104.

Cities along the Wasatch Front, such as Salt Lake, Provo, and Midway, tend to have higher premiums because of more traffic and a greater chance of accidents.

Rural areas like Enterprise, Milford, and Blanding are on the lower end of the scale, where less traffic and fewer claims help keep prices down.

Always compare auto insurance companies in Utah and look for discounts to balance out higher city rates.

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Utah Auto Insurance Coverage Requirements

Utah drivers must carry at least $25,000 in bodily injury coverage per person, $65,000 per accident, $15,000 for property damage, and $3,000 in personal injury protection (PIP) to legally drive. These minimum limits provide only basic financial protection if you cause an accident.

Carrying at least this level of Utah car insurance keeps you compliant with state law. In addition, Utah is a no-fault state, which means drivers must carry personal injury protection to cover medical expenses.

Personal Injury Protection Definition Card: best auto insurance companies in utah

This benefit applies to you and your passengers, regardless of who was at fault. It also provides a safety net after a crash with an uninsured or hit-and-run driver.

Meeting these requirements keeps you legally compliant, but you may have an auto loan or lease that requires higher levels of coverage. Traffic and weather-related risks are other common reasons Utah drivers carry more than minimum coverage.

Utah drivers may need more than minimum coverage if they have long commutes, face heavy city traffic, or would struggle to cover large repair bills themselves.

Daniel Walker Licensed Insurance Agent

While these limits meet the legal requirement, they may not provide enough protection after a serious crash. Many Utah drivers choose to purchase higher liability limits or add extra coverages for better financial protection.

  • Collision Coverage: Collision auto insurance pays for damage to your car after a crash, which is especially helpful on Utah’s busy highways and winter roads, where accidents are more common.
  • Comprehensive Coverage: Comprehensive auto insurance covers non-collision losses like theft, hail, or animal strikes, all of which are concerns for Utah drivers in both urban and rural areas.
  • Uninsured/Underinsured Motorist (UM/UIM): Protects you if another Utah driver doesn’t carry enough insurance to pay for your injuries or damages.
  • Rental Reimbursement: Helps pay for a rental car in cities like Salt Lake or Provo if your vehicle is in the shop after an accident.
  • Roadside Assistance: Provides towing and emergency help, which can be valuable when driving through Utah’s rural areas or mountain passes.

These extra coverages give Utah drivers peace of mind by filling the gaps left by the state’s minimum liability limits, making it easier to handle unexpected costs.

Make sure to evaluate your needs and choose coverage limits that provide enough financial protection for your lifestyle and driving habits.

Ways to Save Money on Car Insurance in Utah

Car insurance in Utah can be expensive, but there are many ways to lower costs. Discounts from major companies give drivers some of the biggest savings, with Utah auto insurers offering maximum savings by discount type.

Nationwide and Allstate lead with usage-based car insurance discounts up to 40%, while Geico and American Family both offer 25% off for bundling.

Top Auto Insurance Discounts in Utah
Insurance CompanyAnti-
Theft
BundlingDefensive
Driving
New
Vehicle
Usage-
Based
Allstate TablePress Logo10%25%10%10%40%
American Family TablePress Logo25%25%5%15%20%
Farmers Tablepress Logo10%20%10%12%30%
Geico TablePress Logo25%25%15%10%25%
Liberty Mutual TablePress Logo35%25%10%8%30%
Nationwide Tablepress Logo5%20%10%15%40%
Progressive TablePress Logo25%10%30%10%$231/yr
State Farm TablePress Logo15%17%15%15%30%
The Hartford Table Press Logo10%5%10%5%20%
Travelers TablePress Logo15%13%20%8%30%
Compare RatesStart Now →

Liberty Mutual has one of the strongest anti-theft discounts at 35%, making it a good choice for drivers with newer cars or added security features.

Other discounts include defensive driving programs worth 10–30% from companies like Progressive, Travelers, and State Farm. These options make it easier for Utah drivers to lower rates while keeping solid protection.

Besides discounts, Utah drivers can also lower their insurance costs by making small changes to their policies and driving habits. Even simple adjustments can make a big difference over time:

  • Raise Your Deductible: Paying more out of pocket in a claim lowers your monthly bill.
  • Shop Around Often: Compare quotes from companies like Geico, Nationwide, and State Farm to find lower prices.
  • Cut Coverage on Older Cars: Dropping collision on older vehicles can save money each month.

Using discounts and making small changes to your policy is the best way for Utah drivers to keep car insurance affordable while still staying protected.

Raising your deductible, checking quotes often, and cutting extra coverage can lower your bill, and discounts add even more savings. Together, these steps make it easier to get the right coverage at a price that fits your budget.

10 Best Auto Insurance Companies in Utah

When you buy auto insurance in Utah, it’s important to look at which companies have the strongest presence and the kind of support they offer.

State Farm leads with 25% of the market, giving Utah drivers wide access to local agents and reliable service. Larger Utah car insurance companies like Allstate, Progressive, and Geico also have a strong presence.

At the same time, smaller insurers continue to serve many Utah drivers, showing that personalized coverage and regional support are still important.

Comparing quotes from both large and smaller providers is the best way to balance price, service, and coverage in Utah.

Read More: State Farm vs Farmers, Geico, Progressive, and Allstate Review

#1 – Nationwide: Best for Usage Discounts

Pros

  • High Claims Satisfaction: Nationwide scored 661/1,000 for claims satisfaction in Utah, the best among the state’s top insurers, giving drivers confidence in its claims service.
  • Strong Discounts: Utah drivers can save up to 40% through Nationwide’s SmartRide usage-based program. Bundling auto and home insurance also cuts costs further for families statewide.
  • Affordable Rates: Nationwide’s minimum coverage in Utah averages $64 per month, cheaper than Allstate and Liberty Mutual, while still offering solid protection.

Cons

  • Weak Anti-Theft Discount: Nationwide only offers a 5% anti-theft discount in Utah, far below Liberty Mutual’s 35%. See more discounts in our Nationwide auto insurance review.
  • High DUI Costs: A DUI pushes Nationwide’s Utah rates up to $139 per month for minimum coverage, higher than State Farm or Progressive.

#2 – State Farm: Best for Local Agents

Pros

  • Strong Local Support: State Farm is known for its wide agent network in Utah, making it easier for drivers to get in-person help with policies and claims.
  • Safe Driver Discounts: Utah drivers can save up to 30% with State Farm Drive Safe & Save, plus earn 25% for maintaining a clean record. Check out more savings in our State Farm Insurance review.
  • Financial Strength: Backed by an A++ A.M. Best rating and a claims satisfaction score of 648/1,000, State Farm gives Utah drivers confidence in both stability and claims handling.

Cons

  • High Teen Rates: Sixteen-year-olds in Utah pay an average of $324 per month for minimum coverage with State Farm, which is costly compared to Geico’s $188 a month.
  • Limited Bundling Savings: State Farm’s bundling discount in Utah is capped at 17%, while competitors like Geico and American Family offer 25%.

#3 – American Family: Best for Custom Policies

Pros

  • Flexible Coverage: American Family allows Utah drivers to build policies around specific needs, with minimum coverage averaging $72 per month.
  • Bundling Discounts: Utah families can save up to 25% when combining auto with home or renters insurance. See full details in our American Family review.
  • Solid Claims Record: With a claims satisfaction score of 635/1,000, American Family gives Utah drivers reliable claims service backed by an A rating.

Cons

  • Expensive Teen Coverage: Utah teens pay up to $495 per month for minimum coverage, one of the highest in the state.
  • Small Defensive Driving Discount: American Family offers a 5% discount for defensive driving in Utah, less than Geico’s 15%.

#4 – The Hartford: Best for Bundling Policies

Pros

  • Competitive Rates: The Hartford’s minimum coverage in Utah starts at $62 per month, lower than State Farm and Allstate.  Our The Hartford insurance review provides full policy details.
  • Bundling Specialist: Utah drivers can combine auto with home or renters policies for extra savings, especially older policyholders who qualify through AARP programs.
  • Stable Financial Backing: With an A+ A.M. Best rating and a claims satisfaction score of 628/1,000, The Hartford delivers strong financial security for Utah policyholders.

Cons

  • Low Bundling Discount: The Hartford only offers a 5% bundling discount in Utah, far less than Geico or American Family at 25%.
  • Limited Agent Access: Fewer local offices in Utah make it harder for customers needing face-to-face service.

#5 – Allstate: Best for Drivewise Program

Pros

  • Usage-Based Savings: Allstate’s Drivewise program gives Utah drivers up to 40% off, making it one of the top telematics programs in the state.
  • Deductible Rewards: Utah policyholders reduce their deductible by $100 each claim-free year, encouraging safe driving. Learn about policy benefits in our Allstate auto insurance review.
  • Claims Satisfaction: With a score of 627/1,000, Allstate provides average but reliable service for Utah drivers.

Cons

  • Higher Rates: Minimum coverage with Allstate in Utah is $80 per month, higher than Geico and Nationwide.
  • Discount Limits: Many Allstate savings in Utah are tied to Drivewise, meaning drivers who don’t qualify may miss out on significant discounts.

#6 – Travelers: Best for Coverage Options

Pros

  • Low Rates: Travelers offers some of the most affordable prices in Utah, with minimum coverage at $61 per month and full coverage at $136.
  • Wide Coverage Choices: Utah drivers can add options like rental reimbursement and roadside assistance for more complete protection. See what stands out in our expert Travelers Insurance review.
  • Financial Stability: Backed by an A++ rating and a claims satisfaction score of 626/1,000, Travelers is one of the most secure companies in Utah.

Cons

  • DUI Costs Are High: A DUI raises Utah minimum coverage rates with Travelers to $126 per month, among the costliest in the state.
  • Limited Local Network: Travelers has fewer agents in Utah compared to State Farm or Farmers, resulting in reduced in-person support.

#7 – Geico: Best for Budget Rates

Pros

  • Cheapest Minimum Coverage: Geico is the cheapest auto insurance companies in Utah, with rates at just $50 per month. Get everything you need to know about Geico in our review.
  • Digital Tools: Geico offers Utah drivers a strong mobile app for policy management, claims, and telematics discounts.
  • Safe Driver Savings: With a claims satisfaction score of 624/1,000, Geico still provides up to 25% discounts for safe driving in Utah.

Cons

  • Limited Local Offices: Geico has fewer in-person agents in Utah, making it less convenient for customers who prefer direct service.
  • Higher DUI Costs: Minimum coverage after a DUI in Utah rises to $96 per month, higher than State Farm.

#8 – Farmers: Best for Safe Drivers

Pros

  • Safe Driver Rewards: Farmers offers competitive pricing for clean records in Utah, starting at $79 per month for minimum coverage.
  • Local Support: With many agents across Utah, Farmers is a strong option for drivers who prefer in-person help. Find everything you need to know about Farmers Insurance in one place.
  • Coverage Flexibility: Utah drivers can add custom options like glass coverage or accident forgiveness for extra protection.

Cons

  • High Teen Costs: Farmers is one of the priciest for Utah teens, charging $574 per month for minimum coverage at age 16.
  • Low-Mileage Savings: Farmers’ low-mileage discount in Utah is capped at 10%, compared to Geico or Nationwide’s 25–40%.

#9 – Progressive: Best for High-Risk Drivers

Pros

  • High-Risk Coverage: Progressive helps Utah drivers with tickets or DUIs secure coverage, with minimum rates starting at $65 per month.
  • SR-22 Filing: Utah drivers with DUIs can rely on Progressive to file SR-22 forms quickly. Read everything you need to know about Progressive Insurance.
  • Optional Roadside Assistance: Progressive’s affordable add-ons in Utah include towing, lockout service, and roadside help.

Cons

  • Low Claims Scores: Progressive scored 616/1,000 in Utah satisfaction ratings, below Nationwide and State Farm.
  • Accident Surcharge: After an accident, Progressive’s minimum coverage in Utah rises to $120 per month, higher than State Farm.

#10 – Liberty Mutual: Best for Add-On Options

Pros

  • Wide Add-On Choices: Liberty Mutual gives Utah drivers unique coverage like new car replacement, with minimum coverage at $82 per month.
  • Anti-Theft Discount: Liberty Mutual offers one of the largest safety-related discounts in Utah, with up to 35% off anti-theft devices.
  • RightTrack Telematics: Utah drivers can save up to 30% by enrolling in Liberty Mutual’s RightTrack program. Browse more details in our Liberty Mutual auto insurance review.

Cons

  • Higher Rates: Liberty Mutual is one of the costlier options in Utah, with minimum coverage at $82 per month, above Nationwide and Geico.
  • Low Claims Satisfaction: Liberty Mutual scored just 591/1,000 in Utah, the lowest among the top 10 insurers.

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How to Choose the Best Auto Insurance in Utah

Choosing the right auto insurance in Utah means looking beyond the lowest rate and focusing on a policy that matches your driving habits and coverage needs.

It’s not just about cost—it’s about picking a company that delivers reliable service and discounts that work for you. Consider the following:

  • Consider Claims Service: Nationwide holds a 661/1,000 claims satisfaction score in Utah, with State Farm close behind giving drivers more dependable support than Liberty Mutual.
  • Look for Telematics Discounts: Utah drivers can save up to 30%–40% with usage-based insurance like Nationwide SmartRide or State Farm Drive Safe & Save, especially useful for commuters in like Salt Lake City and Provo.
  • Ask About Accident Forgiveness: Providers such as Nationwide and Farmers in Utah include accident forgiveness options, which help drivers avoid sharp rate increases after their first at-fault accident.
  • Check Bundling Opportunities: Combining auto with home or renters insurance through Utah insurers like American Family or Geico can reduce premiums by 25% or more.
  • Compare by ZIP Code: Rates can vary widely across Utah, and drivers in Salt Lake City often pay more than those in smaller towns like Enterprise or Milford.

The best car insurance in Utah isn’t just about finding the lowest rate. Drivers should focus on coverage that matches their needs, reliable claims support, and meaningful discounts.

Nationwide, State Farm, and Geico stand out because each offers unique savings opportunities while maintaining trusted reputations in pricing, customer service, and claims support.

For drivers who want more than basic coverage, choosing full coverage and looking for discounts can provide better protection and peace of mind.

If you’re just looking for coverage to drive legally, entering your ZIP code to compare cheap auto insurance quotes near you.

Frequently Asked Questions

What is the best auto insurance in Utah?

Nationwide, State Farm, and Geico are considered the best auto insurance companies in Utah. Nationwide leads with a 661/1,000 claims satisfaction score and discounts up to 40%. State Farm offers strong local agent support, and Geico car insurance in Utah is the cheapest at $50 per month for minimum coverage.

What are the minimum Utah auto insurance requirements?

Utah law requires 25/65/15 liability coverage — $25,000 for bodily injury per person, $65,000 per accident, and $15,000 for property damage, plus $3,000 in personal injury protection (PIP) under the state’s no-fault rules. These are the basic Utah car insurance coverage requirements under the state’s no-fault system.

Read More: Liability vs. Full Coverage Auto Insurance

Who has the cheapest auto insurance in Utah?

Geico offers the cheapest car insurance in Utah, with minimum coverage averaging $50 per month and full coverage at $113, beating other big Utah car insurance companies like Allstate and Liberty Mutual.

How do Utah auto insurance rates vary by age?

Teen drivers pay the most. Farmers charges $574 for 16-year-olds in Utah, while older drivers see much lower premiums. At age 65, rates drop to $49 with Geico or $63 with Nationwide for minimum coverage.

What is the average auto insurance cost in Utah?

Minimum coverage in Utah typically costs $50–$82 per month, while full coverage ranges from $113–$183, depending on the insurer and coverage level. Discover ways to pay less for car insurance.

How do driving violations affect Utah auto insurance rates?

Accidents, tickets, and DUIs increase premiums quickly. For example, Nationwide in Utah jumps from $64 to $139 after a DUI, while State Farm rises more moderately to $77, making it one of the more forgiving Utah auto insurance companies for high-risk drivers.

What discounts are available for Utah auto insurance?

Utah drivers can save with 40% usage-based discounts from Nationwide and Allstate, 25% bundling discounts from Geico and American Family, and 35% anti-theft savings from Liberty Mutual.

Read More: Best Anti-Theft Auto Insurance Discounts

Are auto insurance rates higher in Utah cities?

Yes. Insurance companies in Utah usually charge higher rates in Salt Lake City and Provo because of traffic and accident risk, while smaller towns like Enterprise and Milford often have cheaper Utah car insurance.

Who has the cheapest full coverage car insurance in Utah?

For full coverage, Travelers offers some of the lowest rates in Utah at $136 per month, while Geico follows closely at $113 per month.

What is considered full coverage auto insurance in Utah?

Many Utah drivers add collision auto insurance, comprehensive, uninsured/underinsured motorist, roadside assistance, and rental reimbursement to go beyond the state’s minimum and protect against theft, weather, or breakdowns.

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