Cheapest Car Insurance in Utah (Updated For 2022)


Cheapest Car Insurance in Utah.

The state of Utah ranks fairly low compared to other U.S. state auto insurance prices. This is good news and why you need to find the cheapest car insurance in Utah if you’re looking to save money.

We compared and analyzed cheap auto insurance for minimum coverage, full coverage, drivers with a speeding ticket, DUI, and an accident.

Below, you will also find rates for UT drivers with poor credit.

Additionally, we also compared the cheapest auto insurance options for Utah drivers aged 20, 25, 30, and 65+.

Table of Contents

Overview of the Cheapest Car Insurance in Utah

For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $502 annually or $41.83 a month.

Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $571 a year or $47.58 a month. 

For Drivers With One At-Fault Accident: GEICO is the best option for drivers with one at-fault accident. Going with GEICO will cost you $944 a year or $78.67 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $1220 annually or $101.67 a month with State Farm.

For Drivers With a Speeding Ticket: GEICO offers the lowest priced auto insurance at $688 a year or $57.33 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $1080 a year or $90 per month.

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We excluded USAA from these Utah insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Utah

If you want the bare minimum coverage in Utah, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
USAA$455$37.92
GEICO$502$41.83
Farmers$814$67.83
Nationwide$891$74.25
Allstate$896$74.67

Cheapest Full Coverage Car Insurance in Utah

These are the rates you can expect in Utah if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
USAA$507$42.25
GEICO$571$47.58
Nationwide$920$76.67
Farmers$924$77.00
Allstate$983$81.92

Cheap Car Insurance in Utah For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in UT may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Utah Car Insurance With a Speeding Ticket

Here are the cheapest car insurance in UT for a driver with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$648$54.00
GEICO$688$57.33
Allstate$1,076$89.67
Nationwide$1,079$89.92
Farmers$1,128$94.00

Cheap Utah Auto Insurance With One At-Fault Accident

These are the cheapest options when it comes to car insurance for UT drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$789$65.75
GEICO$944$78.67
Allstate$1,286$107.17
State Farm$1,336$111.33
Farmers$1,350$112.50

Cheap Utah Car Insurance With a DUI

These insurance companies each have cheap annual rates for UT drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$952$79.33
State Farm$1,220$101.67
Progressive$1,232$102.67
Allstate$1,279$106.58
GEICO$1,290$107.50

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Cheapest Auto Insurance For Utah Drivers With Poor Credit

If you’re located in Utah and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$959$79.92
GEICO$1,080$90.00
Nationwide$1,739$144.92
Farmers$1,746$145.50
Allstate$1,857$154.75

Cheapest Car Insurance For 20-Year-Old Drivers in Utah

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in UT.

Cheapest Full Coverage Car Insurance For 20-Year-Old Utah Drivers

These companies have the cheapest full coverage auto insurance for 20-year-olds in UT.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,197$99.75
GEICO$1,348$112.33
Nationwide$2,172$181.00
Farmers$2,181$181.75
Allstate$2,319$193.25

Cheapest Minimum Coverage Car Insurance in Utah For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds are these companies in UT.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,074$89.50
GEICO$1,185$98.75
Farmers$1,921$160.08
Nationwide$2,102$175.17
Allstate$2,114$176.17

Cheap Auto Insurance For 20-Year-Old Utah Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old UT drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,263$188.58
GEICO$2,548$212.33
Nationwide$4,104$342.00
Farmers$4,121$343.42
Allstate$4,383$365.25

Cheap Car Insurance For 20-Year-Old Utah Drivers With a Speeding Ticket

These insurers have the least expensive car insurance for 20-year-old UT drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,529$127.42
GEICO$1,623$135.25
Allstate$2,540$211.67
Nationwide$2,546$212.17
Farmers$2,663$221.92

Cheap Auto Insurance in Utah For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,247$187.25
State Farm$2,880$240.00
Progressive$2,908$242.33
Allstate$3,019$251.58
GEICO$3,043$253.58

Cheap Car Insurance in Utah For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in UT with one at-fault accident:

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Insurance CompanyAnnual RateMonthly Rate
USAA$1,861$155.08
GEICO$2,229$185.75
Allstate$3,034$252.83
State Farm$3,152$262.67
Farmers$3,185$265.42

Cheapest Car Insurance For 25-Year-Old Drivers in Utah

25 is the age when UT auto insurance premiums start to decline quicker. This means living in Utah, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Utah Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in UT:

Insurance CompanyAnnual RateMonthly Rate
USAA$609$50.75
GEICO$686$57.17
Nationwide$1,104$92.00
Farmers$1,109$92.42
Allstate$1,179$98.25

Cheapest Minimum Coverage Car Insurance in Utah For 25-Year-Old Drivers

These auto insurers has the cheapest minimum coverage car insurance for UT 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
USAA$546$45.50
GEICO$603$50.25
Farmers$977$81.42
Nationwide$1,069$89.08
Allstate$1,075$89.58

Cheap Auto Insurance For 25-Year-Old Utah Drivers With Poor Credit

25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,152$96.00
GEICO$1,297$108.08
Nationwide$2,089$174.08
Farmers$2,097$174.75
Allstate$2,231$185.92

Cheap Car Insurance For 25-Year-Old Utah Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old UT drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$778$64.83
GEICO$825$68.75
Allstate$1,291$107.58
Nationwide$1,294$107.83
Farmers$1,354$112.83

Cheap Auto Insurance in Utah For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,143$95.25
State Farm$1,465$122.08
Progressive$1,478$123.17
Allstate$1,535$127.92
GEICO$1,547$128.92

Cheap Car Insurance in Utah For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in UT with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$946$78.83
GEICO$1,133$94.42
Allstate$1,543$128.58
State Farm$1,603$133.58
Farmers$1,619$134.92

Cheapest Car Insurance For 30-Year-Old Drivers in Utah

Utah auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Utah Drivers

Here are the cheapest car insurance options for 30-year-olds in UT that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$507$42.25
GEICO$571$47.58
Nationwide$920$76.67
Farmers$924$77.00
Allstate$983$81.92

Cheapest Minimum Coverage Car Insurance in Utah For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in UT that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
USAA$455$37.92
GEICO$502$41.83
Farmers$814$67.83
Nationwide$891$74.25
Allstate$896$74.67

Cheap Auto Insurance For 30-Year-Old Utah Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old UT drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$959$79.92
GEICO$1,080$90.00
Nationwide$1,739$144.92
Farmers$1,746$145.50
Allstate$1,857$154.75

Cheap Car Insurance For 30-Year-Old Utah Drivers With a Speeding Ticket

Check out these UT insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$648$54.00
GEICO$688$57.33
Allstate$1,076$89.67
Nationwide$1,079$89.92
Farmers$1,128$94.00

Cheap Auto Insurance in Utah For 30-Year-Old Drivers With a DUI

These insurers have the cheapest auto insurance prices for UT 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$952$79.33
State Farm$1,220$101.67
Progressive$1,232$102.67
Allstate$1,279$106.58
GEICO$1,290$107.50

Cheap Car Insurance in Utah For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in UT with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
USAA$789$65.75
GEICO$944$78.67
Allstate$1,286$107.17
State Farm$1,336$111.33
Farmers$1,350$112.50

Cheapest Car Insurance For Utah Drivers Over 65 Years Old

Auto insurance prices in UT will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Utah Drivers Over 65 Years Old

The cheapest full coverage auto insurance for UT drivers over 65 years old comes from these insurers.

Insurance CompanyAnnual RateMonthly Rate
USAA$630$52.50
GEICO$832$69.33
Nationwide$990$82.50
Allstate$1,094$91.17
State Farm$1,098$91.50

Cheapest Minimum Coverage Car Insurance in Utah For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in UT when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
USAA$565$47.08
GEICO$735$61.25
State Farm$944$78.67
Nationwide$961$80.08
Farmers$979$81.58

Cheap Auto Insurance For Utah Drivers Over 65 Years Old With Poor Credit

If you have poor credit in UT and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,191$99.25
GEICO$1,572$131.00
Nationwide$1,872$156.00
State Farm$2,068$172.33
Allstate$2,075$172.92

Cheap Car Insurance For Utah Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in UT:

Insurance CompanyAnnual RateMonthly Rate
USAA$810$67.50
GEICO$1,080$90.00
Nationwide$1,149$95.75
Allstate$1,208$100.67
State Farm$1,208$100.67

Cheap Auto Insurance in Utah For Drivers Over The Age of 65 With a DUI

These car insurers has the least expensive auto insurance for UT drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,203$100.25
GEICO$1,208$100.67
Allstate$1,452$121.00
American Family$1,532$127.67
Progressive$1,603$133.58

Cheap Car Insurance in Utah For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,111$92.58
State Farm$1,321$110.08
Allstate$1,458$121.50
Nationwide$1,467$122.25
GEICO$1,522$126.83

Utah Minimum Auto Insurance Requirements

The state of Utah has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $25,000 bodily injury liability per person and $65,000 total.
  2. A total of $15,000 per crash for property damage caused by the vehicle.
  3. $3,000 per person for personal injury protection.

Methodology For Choosing Cheapest Utah Auto Insurance

We compared rates from Utah auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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