Where to Find Cheap Car Insurance in Utah (2021)

Where to Find Cheap Car Insurance in Utah

USAA has the cheapest car insurance rates in Utah, at $ 55 a month. That ‘s 35 % lower than the average premium in the state of $ 85 a calendar month. State Farm has the second-cheapest rate, at $ 61 a calendar month .
car indemnity rates tend to be relatively lower in Utah, but a little bite of inquiry can save you even more money .

Which car insurance companies have the cheapest rates in Utah?

Which companies have the cheapest car indemnity in Utah depends on whether you ‘re looking for minimum-coverage or full-coverage car indemnity. We found that USAA has the cheapest car insurance in Utah at $ 663 a year, or $ 55 a month, for minimum coverage .

 

For full-coverage, Progressive has the cheapest car insurance in Utah at $ 1,171 a class, or $ 98 a calendar month .

 

Looking for cheap car insurance in Utah?

Which cities in Utah have the cheapest car insurance?

Of the 10 most populate cities in Utah, St. George has the lowest average car insurance rate of $ 133 a calendar month. West Valley has the highest rate, at $ 171 a calendar month .

Cheapest full-coverage auto insurance rates by city
City Average monthly rate
St. George $133
Layton $143
Ogden $146
Sandy $153
Provo $154
South Jordan $155
State average $157
Orem $159
Salt Lake City $160
West Jordan $163
West Valley $171
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best car insurance companies in Utah

We took a deep dive into the seven most popular car insurance companies in Utah. These four stood out :

  • State Farm: lowest overall minimum-coverage rates
  • Progressive: best full-coverage rates
  • Farmers: best money-saving options for young drivers
  • Allstate: best car and home insurance bundling discount

Get quotes from some of Utah’s best car insurers

State Farm: cheapest minimum-coverage rates

state grow has Utah ‘s cheapest minimum-coverage car policy at $ 61 a calendar month. While USAA has the overall lowest average car insurance rates for minimum coverage in Utah, it lone sells insurance to members of the military and their families .
On circus tent of offering abject minimum car insurance rates, State Farm is besides the most popular car insurance provider in Utah. The party holds 15 % of the car policy market contribution, with Geico second, at 12 %.

Progressive: cheapest full-coverage rates

Progressive has an average rate of $ 98 a month for full-coverage car insurance in Utah. That ‘s 32 % less than the state average of $ 145 a calendar month .
Progressive besides has an above-average score of 823 out of 1,000 in the 2021 J.D. Power U.S. Auto Insurance Study. J.D. Power surveys policyholders on how satisfy they are with their insurance company. If you ‘re looking for well full-coverage car policy with a company that has a history of keeping its customers, consider Progressive .

Farmers: best discounts for young drivers

adolescent drivers have the highest car insurance rates of any demographic due to lack of feel behind the steering wheel. For exercise, a 16-year-old driver in Utah pays an average $ 401 a calendar month for car indemnity. If you are or have a adolescent driver in your family, Farmers has many discounts that can help knock down costs :

  • Youthful driver discount: if you’re under 25 years old and the child or grandchild of the named insured on the policy, you may get a discount.
  • Good student discount: you can get a discount if you maintain a 3.0 GPA or better, or you’re on the dean’s list or honor roll, or in the top 20% of your class or top 20% on standardized testing.
  • Shared family car discount: if you’re 20 years old or younger and there are more drivers than vehicles in your household, Farmers may have a discount for you.

Allstate: best car and home insurance bundle

Allstate ‘s average home policy rate of $ 77 a calendar month is less than the state average of $ 85 a calendar month. The company stands out with its bundle dismiss. many insurers offer the opportunity to bundle home and car indemnity in order to save money on both premiums. however, while other companies ‘ bundling discounts may be between 5 % and 10 %, Allstate ‘s bundling discount may save you up to 25 %. This can save you hundreds of dollars over the run of a class .

Allstate insurance bundle discount in Utah

  • Minimum car insurance rate: $77 per month
  • With 25% bundling discount: $58 per month
  • Full-coverage car insurance rate: $152 per month
  • With 25% bundling discount: $114 per month

Utah’s minimum car insurance requirements

Utah state jurisprudence requires drivers to carry the comply minimal car indemnity limits :

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $65,000
  • Property damage liability per accident: $15,000

additionally, Utah is a no-fault express. This means that your car indemnity supplier will pay for your damages and medical bills regardless of who is responsible in the consequence of an accident. consequently, Utah submit law besides requires drivers to carry at least $ 3,000 in personal injury protection ( PIP ) coverage. PIP covers costs that may arise after an accident, such as medical expenses and lost wages .
While these limits may seem high, an extend hospital stay or court encase after an accident can burn through them promptly. Any costs above your limits come out of your pouch. In holy order to secure your own fiscal protection and peace of thinker, we recommend increasing your coverage limits to the following :

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

We used Quadrant Information Services to generate thousands of car indemnity quotes from every ZIP code in Utah from the follow providers :
Allstate

  • American Family
  • Farmers
  • Geico
  • Progressive
  • State Farm
  • USAA

Our sample cable car used to generate quotes was a 2012 Honda Accord LX with an annual 13,500 miles and a 35-year-old male driver with Utah minimal liability limits :

  • $100,000/$300,000 bodily injury liability per person/per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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