You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life sentence ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reviewer. Our goal is to give you the best advice to help you make ache personal finance decisions. We follow rigid guidelines to ensure that our column content is not influenced by advertisers. Our editorial team receives no steer compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your faith. Our mission is to provide readers with accurate and indifferent information, and we have column standards in locate to ensure that happens. Our editors and reporters thoroughly fact-check editorial message to ensure the information you ’ ra interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive lead compensation from our advertisers. Bankrate follows a rigorous column policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the prize they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is proper for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ re putting your interests first. All of our contentedness is authored by highly qualified professionals and reviewed by topic matter experts, who ensure everything we publish is objective, accurate and worthy of your reliance. Founded in 1976, Bankrate has a hanker path read of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take following. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This subject is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Finding the best car insurance in Utah can seem daunt, but based on across-the-board research, Bankrate has found that USAA, Geico and State Farm are the top cable car indemnity providers in the department of state. All three companies besides have rates that come below both the national and state average cost of car insurance. The average monetary value of full coverage car policy in Utah is $ 1,306 per year, which is 22 % less than the national average of $ 1,674 for full coverage, according to Bankrate ’ mho 2022 reappraisal of quote annual premiums provided by Quadrant Information Services. When looking for car policy in Utah, it can help to start by thinking about what coverage is necessary and what you need. Like many states, Utah has some requirements when it comes to car indemnity, but drivers may find that they want more fiscal protection and coverage options in their policy. To help narrow down your choices, Bankrate analyzed diverse policy options in the state to find the best car indemnity companies in the Beehive State .
Best car insurance companies in Utah
Of all the available car policy companies in Utah, a few stand out as top contenders. USAA, Geico, State Farm, Progressive and Allstate, which are ranked among the top car insurers in the U.S. based on market share, have all earned potent marks for diverse reasons. While USAA and State Farm scored the highest in J.D. Power customer gratification for the Southwest Region, Geico offers some of the least expensive rates. Allstate has a highly-rated mobile app, while progressive offers the usage-based Snapshot telematics broadcast for potential savings on premiums. Each provider was reviewed based on third-party analysis, such as S & P and AM Best, available car insurance discounts, coverage options and digital assets available. Bankrate Scores include all of these factors and more, with the highest score possible being 5.0. The higher a company scored, the better it performed across these different key areas. *Not officially ranked with J.D. Power due to eligibility restrictions
USAA
Though not officially ranked due to their eligibility requirements, USAA is systematically one of the highest-scoring carriers among the J.D. Power customer satisfaction scores in all regions of the country. While customer service appears to be a top precedence for the mailman, not everyone qualifies for coverage. USAA is only available for active-duty and adjourn military personnel and their immediate families. The qualification requirements may make many Utah drivers ineligible, but if you do meet USAA ’ mho eligibility criteria, you will have broad access to its coverage options, multiple discounts and highly-rated mobile app. USAA besides offers a variety show of other products including home and life insurance, on-line bank and retirement plans. The financially-strong company is rated A++ ( Superior ) by AM Best, the highest level available. Learn more: USAA Insurance follow-up
Geico
Drivers in Utah may consider getting a quote from Geico if they are looking for some of the least expensive premiums. Geico offers a battalion of discounts, which is one reason why rates tend to be lower. Discounts include affiliation savings, multi-vehicle and bundle, to name a few. Geico besides has a highly-rated mobile app and was awarded the top spot with the 2021 J.D. Power U.S. Insurance Digital Experience Study in the service category. While Geico primarily interacts with consumers online and via call, it has respective local agents across Utah for customers who like to handle their insurance needs in person. The carrier besides has a highly-rated mobile app where you can request a quotation mark, update your policy, order wayside aid or charge a call. In addition to car coverage, the full-lines insurance company besides offers homeowners, renters, flood, life, motorbike and gravy boat indemnity. Geico is rated A++ ( Superior ) by AM Best for its fiscal potency. Learn more: Geico Insurance reappraisal
State Farm
Whether you ’ re looking for a local anesthetic agent in Utah or prefer using an app or going on-line for policy management, State Farm likely has an choice to match your predilection. not merely is State Farm the largest supplier of car policy in the U.S. based on market parcel, but it has batch of coverage options, discounts and driving programs available. The democratic Drive Safe and Save usage-based program and Steer Clear for teens are two examples of programs designed to help drivers in Utah save even more. The provider does have the highest premiums in Utah out of the five carriers on our list, according to the rate analysis, but earns excellent customer satisfaction ratings from J.D. Power. State Farm offers a wide variety of policy products including home, biography, health, boat and motorcycle indemnity. The company carries an A++ ( Superior ) fiscal forte rate from AM Best. Learn more: State Farm Insurance review
Progressive
progressive ’ second average rate of $ 1,195 per class not only comes in well below the state average, but the mailman offers a generous amount of discounts for far savings. Discounts range from multi-policy bundle to paying your premiums in full versus monthly installments. The company besides offers the usage-based Snapshot program, which monitors your driving habits and rewards you with extra savings depending on the telematics program ’ randomness feedback. Although discounts are bountiful, there are not as many policy personalization options you might find with other carriers. Progressive besides offers family, condominium, renters, motorbike, travel, health and dental policy products. Progressive is rated A+ ( Superior ) by AM Best. Learn more: Progressive Insurance revue
Allstate
Allstate ’ south average rates are higher than Utah ’ south state average. however, the carrier offers a wide kind of ways to customize your policy to fit your needs. Utah drivers may find Allstate ’ s options to be beneficial, particularly ones that help them cut costs and stay within budget. Add-ons like the accident forgiveness program, rideshare policy and custom equipment coverage are a few examples of options available, in addition to a variety show of discounts. Allstate besides offers home, renters, condominium, motorcycle, off-road vehicle and term life insurance products. The company carries an A+ ( Superior ) fiscal strength evaluation from AM Best. Learn more: Allstate Insurance review
Average car insurance cost in Utah
The median car insurance cost in Utah is $ 528 per annum for minimal coverage and $ 1,306 annually for a fully coverage policy. This monetary value is well below the home average for full moon coverage, which is $ 1,674 per year. Utah may be less expensive because it is not as heavily populated as other states, which can impact average state rates due to accidents from congested roads being less probable. The rates below typify up-to-date quoted annual premiums gathered through Quadrant Information Services. however, your rates may be more or less expensive based on personal factors .
| Average annual premium for minimum coverage in Utah | Average annual premium for full coverage in Utah |
|---|---|
| $528 | $1,306 |
-
Utah city Average annual premium for full coverage Average annual premium for minimum coverage Salt Lake City, Utah $1,442 $622
How to find the best car insurance in Utah
Finding the best cable car insurance in Utah will depend on your singular needs and fiscal position. once you factor in the minimum policy requirements, both legal and from your lender ( if you have an car loanword ), plus your own coverage needs, then you can begin the process of selecting the best car policy in Utah .
Consider minimum insurance requirements in Utah
When purchasing car policy, Utah drivers must have at least the state ’ s minimal insurance requirements to legally drive. This includes $ 25,000 bodily injury liability per person and $ 65,000 per accident, equally well as $ 15,000 place damage liability. Because Utah is a no-fault submit, drivers are required to purchase $ 3,000 of personal injury protection ( PIP ) in summation to the liability coverage .
Consider lender requirements
When you lease or finance a vehicle, most lenders require fomite owners to carry full policy coverage. This includes the minimum indebtedness and PIP requirements, plus comprehensive and collision coverage. Lenders may besides require gap policy, which pays the difference when a vehicle owner owes more than the grocery store cost to replace the vehicle if it ’ s totaled .
Consider your individual needs
The monetary value of car insurance in Utah is besides influenced by individual needs. Your motive vehicle phonograph record ( MVR ) is one of the many factors influencing monetary value and coverage. If you are a bad driver, your coverage needs will likely look different versus a driver with a clean record. other factors, such as adding a adolescent driver or getting a rush rape, all influence the monetary value. You may need to choose a carrier wave with a broader range of discounts or coverage options to meet your fiscal needs .
Car insurance discounts in Utah
Taking advantage of discounts offered through indemnity carriers is another effective means to save on car indemnity premiums. While each carrier has its own alone offerings, most companies offer a mix of discounts, giving drivers in Utah more ways to save .
- Young driver discounts: If you have a young driver in your household, then discounts such as teen driver, good student or a student away from home discount may help save.
- Safe driver discounts: Being a safe driver often pays off with discounts such as claims-free or enrolling in a defensive driving program. Usage-based telematics programs, which involve a device or an app for the carrier to monitor your driving habits, could also provide greater savings.
- Loyalty discounts: If you bundle multiple policies with one carrier, multiple vehicles or have been with a carrier for a number of years, then you could get rewarded with a loyalty discount.
- Automatic discounts: Choosing to pay a policy in full, renewing a policy before the term expires or going paperless are all ways to potentially reduce your premium for something you may choose to do on your own, anyway.
Frequently asked questions
What do I need to get car insurance in Utah?
To get a cable car policy quote, you will need your address, go steady of parturition, driver ’ s license phone number, the vehicle recognition count ( VIN ) of the fomite you want to insure and an theme of the coverage you want to purchase, although an agent can help you decide that. You may besides be asked for your Social Security number. once you have a quote that you want to purchase, you will likely need to make at least one calendar month ’ mho requital and polarity an application .
What is a car insurance premium based on?
Your car indemnity premium is based on several rat factors, including the vehicle type and age, driver phonograph record and age, garaging placement, annual miles driven, how the car is used and extra coverage options selected. Each company weighs these factors differently, which is why getting quotes from several companies can be beneficial .
How much will my car insurance go up if I’m involved in an at-fault accident?
Because car indemnity rates are based on individual evaluation factors and each party has their own method for calculating rates, it can be unmanageable to figure an calculate for the bounty surcharge of an at-fault accident. On average, an at-fault accident in Utah will spike rates by 54 %, according to Bankrate ’ s research. however, if this is a business, particularly if you are a new driver or have a adolescent driver in your family, some car insurance companies offer accident forgiveness as a coverage option .
What happens if I drive without insurance in Utah?
car policy is a legal requirement in Utah, so driving without coverage is illegal. Driving without car policy is a misdemeanor in the state and could lead to fines vitamin a senior high school as $ 1,000 and suspension of your driver ’ south license and registration. You could besides incur extra fees to reinstate your license and registration. If you cause an accident without policy, you are still creditworthy for paying for the damage you cause, which can lead to significant fiscal try .
What is the cheapest car insurance company in Utah?
Bankrate analyzed quotes from respective carriers and found USAA, Geico and Farmers had some of the cheapest cable car insurance rates in Utah on average. however, the cheapest supplier for you will depend on your drive record and other personal rate factors .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean force record, beneficial credit and the following full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each state ’ randomness requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample rates and should alone be used for comparative purposes.
Bankrate Scores
Bankrate Scores chiefly reflect a slant crying of industry-standard ratings for fiscal force and customer experience in addition to psychoanalysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their fiscal auspices covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer digest. To determine how well the best car policy companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impingement on the companies ’ Bankrate Scores. As price is a common circumstance for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This visibility, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer experience are much the top priorities, Bankrate besides analyzed each insurance company ’ randomness on-line and mobile resources for policy management and claims handling. indemnity is quickly evolving to keep pace with our digital populace, so these aspects besides carried weight in determining Bankrate Scores .