Cheap Car Insurance In Utah 2025

The Cheapest Car Insurance Companies in Utah for Good Drivers

Cheapest for...	Company	Average monthly cost in Utah	Learn More
20-year-olds	Geico	$210	See Plans Via Forbes Advisor's Partner
30-year-olds	Nationwide	$101	See Plans Via Forbes Advisor's Partner
40-year-olds	Nationwide	$98	See Plans Via Forbes Advisor's Partner
50-year-olds	Nationwide	$90	See Plans Via Forbes Advisor's Partner
60-year-olds	Nationwide	$85	See Plans Via Forbes Advisor's Partner
70-year-olds	Nationwide	$91	See Plans Via Forbes Advisor's Partner
80-year-olds	Nationwide	$109	See Plans Via Forbes Advisor's Partner

Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheap Car Insurance for 20-Year-Olds in Utah

Young drivers in Utah can face very high insurance rates, especially if you’re not on a parent’s car insurance policy. In Utah, these insurers had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Geico: $210 a month
2. Nationwide: $223 a month
3. National Farmers Union: $287 a month
4. Auto-Owners: $289 a month
5. Allstate: $294 a month

Cheapest Minimum Coverage for 20-Year-Olds in Utah

If you’re looking for only the required auto insurance in Utah, check prices from these companies.

1. National Farmers Union: $53 a month
2. Geico: $76 a month
3. Nationwide: $91 a month
4. Allstate: $98 a month
5. Auto-Owners: $115 a month

Cheapest Auto Insurance for 20-Year-Olds in Utah With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Nationwide: $316 a month
2. Geico: $407 a month
3. Kemper: $501 a month
4. National Farmers Union: $503 a month
5. Allstate: $525 a month

Cheapest Auto Insurance for 20-Year-Olds in Utah With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $253 a month
2. Geico: $270 a month
3. Allstate: $327 a month
4. Auto-Owners: $377 a month
5. National Farmers Union: $381 a month

Cheapest Car Insurance in Utah for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $263 a month
2. Geico: $366 a month
3. Allstate: $421 a month
4. National Farmers Union: $430 a month
5. Auto-Owners: $445 a month

Cheapest Auto Insurance for 20-Year-Olds in Utah After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Utah who have a DUI conviction.

1. Nationwide: $323 a month
2. Geico: $354 a month
3. Allstate: $401 a month
4. Farm Bureau Mutual (Iowa): $418 a month
5. Kemper: $442 a month

Cheap Car Insurance for 30-Year-Olds in Utah

Drivers age 30 in Utah can find steep insurance quotes depending on their driving record. Here’s a look at the best companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Nationwide: $101 a month
2. Geico: $127 a month
3. Auto-Owners: $131 a month
4. National Farmers Union: $143 a month
5. Progressive: $151 a month

Cheapest Minimum Coverage for 30-Year-Olds in Utah

If you’re looking for only the required auto insurance in Utah, check rates from these companies.

1. National Farmers Union: $31 a month
2. Nationwide: $40 a month
3. Auto-Owners: $43 a month
4. Geico: $45 a month
5. Farm Bureau Mutual (Iowa): $58 a month

Cheapest Auto Insurance for 30-Year-Olds in Utah With Poor Credit

Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Nationwide: $143 a month
2. Geico: $242 a month
3. Progressive: $254 a month
4. National Farmers Union: $267 a month
5. Kemper: $293 a month

Cheapest Auto Insurance for 30-Year-Olds in Utah With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $121 a month
2. Auto-Owners: $165 a month
3. Geico: $171 a month
4. Progressive: $189 a month
5. National Farmers Union: $204 a month

Cheapest Car Insurance in Utah for 30-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $165 a month
2. Auto-Owners: $223 a month
3. Progressive: $224 a month
4. Geico: $241 a month
5. National Farmers Union: $253 a month

Cheapest Auto Insurance for 30-Year-Olds in Utah After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Utah who have a DUI conviction.

1. Progressive: $169 a month
2. Nationwide: $209 a month
3. Farm Bureau Mutual (Iowa): $231 a month
4. Geico: $241 a month
5. Kemper: $258 a month

Cheap Car Insurance for 40-Year-Olds in Utah

Utah drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which companies offer the cheapest rates in Utah, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Nationwide: $98 a month
2. Geico: $127 a month
3. National Farmers Union: $129 a month
4. Auto-Owners: $129 a month
5. Progressive: $141 a month

Cheapest Minimum Coverage for 40-Year-Olds in Utah

If you’re looking for only the required auto insurance in Utah, check prices from these companies.

1. National Farmers Union: $29 a month
2. Nationwide: $39 a month
3. Auto-Owners: $44 a month
4. Geico: $44 a month
5. Farm Bureau Mutual (Iowa): $57 a month

Cheapest Auto Insurance for 40-Year-Olds in Utah With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Nationwide: $138 a month
2. Progressive: $238 a month
3. Geico: $240 a month
4. National Farmers Union: $242 a month
5. Kemper: $243 a month

Cheapest Auto Insurance for 40-Year-Olds in Utah With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $118 a month
2. Auto-Owners: $163 a month
3. Geico: $169 a month
4. Progressive: $179 a month
5. National Farmers Union: $188 a month

Cheapest Car Insurance in Utah for 40-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $160 a month
2. Progressive: $212 a month
3. Auto-Owners: $221 a month
4. National Farmers Union: $237 a month
5. Geico: $237 a month

Cheapest Auto Insurance for 40-Year-Olds in Utah After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Utah who have a DUI conviction.

1. Progressive: $159 a month
2. Nationwide: $205 a month
3. Kemper: $214 a month
4. Farm Bureau Mutual (Iowa): $223 a month
5. Geico: $237 a month

Cheap Car Insurance for 50-Year-Olds in Utah

Utah drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a spotty driving record can make cheap car insurance hard to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Nationwide: $90 a month
2. National Farmers Union: $117 a month
3. Auto-Owners: $121 a month
4. Geico: $128 a month
5. Progressive: $132 a month

Cheapest Minimum Coverage for 50-Year-Olds in Utah

If you’re looking for only the minimum auto insurance in Utah, check quotes from these companies.

1. National Farmers Union: $24 a month
2. Nationwide: $36 a month
3. Auto-Owners: $40 a month
4. Geico: $45 a month
5. Farm Bureau Mutual (Iowa): $54 a month

Cheapest Auto Insurance for 50-Year-Olds in Utah With Poor Credit

Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Nationwide: $126 a month
2. National Farmers Union: $214 a month
3. Progressive: $222 a month
4. Kemper: $227 a month
5. Geico: $243 a month

Cheapest Auto Insurance for 50-Year-Olds in Utah With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $110 a month
2. Auto-Owners: $153 a month
3. Progressive: $172 a month
4. Geico: $173 a month
5. National Farmers Union: $181 a month

Cheapest Car Insurance in Utah for 50-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $149 a month
2. Auto-Owners: $206 a month
3. Progressive: $206 a month
4. National Farmers Union: $230 a month
5. Permanent General: $246 a month

Cheapest Auto Insurance for 50-Year-Olds in Utah After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Utah who have a DUI conviction.

1. Progressive: $150 a month
2. Kemper: $189 a month
3. Nationwide: $194 a month
4. Farm Bureau Mutual (Iowa): $213 a month
5. Permanent General: $228 a month

 

Cheap Car Insurance for 60-Year-Olds in Utah

Auto insurance quotes often begin to go up every year around age 65, even if you have a good driving record. We found the cheapest companies for Utah drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Nationwide: $85 a month
2. National Farmers Union: $111 a month
3. Auto-Owners: $118 a month
4. Progressive: $126 a month
5. Geico: $135 a month

Cheapest Minimum Coverage for 60-Year-Olds in Utah

If you’re looking for only the minimum auto insurance in Utah, check prices from these companies.

1. National Farmers Union: $24 a month
2. Nationwide: $34 a month
3. Auto-Owners: $40 a month
4. Geico: $48 a month
5. Kemper: $53 a month

Cheapest Auto Insurance for 60-Year-Olds in Utah With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Nationwide: $119 a month
2. National Farmers Union: $204 a month
3. Kemper: $212 a month
4. Progressive: $212 a month
5. Geico: $258 a month

Cheapest Auto Insurance for 60-Year-Olds in Utah With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $105 a month
2. Auto-Owners: $149 a month
3. Progressive: $166 a month
4. National Farmers Union: $174 a month
5. Kemper: $201 a month

Cheapest Car Insurance in Utah for 60-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $142 a month
2. Progressive: $200 a month
3. Auto-Owners: $200 a month
4. National Farmers Union: $224 a month
5. Kemper: $241 a month

Cheapest Auto Insurance for 60-Year-Olds in Utah After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Utah who have a DUI conviction.

1. Progressive: $144 a month
2. Kemper: $176 a month
3. Nationwide: $187 a month
4. Farm Bureau Mutual (Iowa): $213 a month
5. Permanent General: $236 a month

Cheap Car Insurance for 70-Year-Olds in Utah

Utah drivers age 70 are facing higher rates due to age. But relatively cheap auto insurance can still be found by comparing quotes from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Utah

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. Nationwide: $91 a month
2. National Farmers Union: $124 a month
3. Geico: $131 a month
4. Auto-Owners: $134 a month
5. Progressive: $144 a month

Cheapest Minimum Coverage for 70-Year-Olds in Utah

If you’re looking for only the required auto insurance in Utah, check quotes from these companies.

1. National Farmers Union: $26 a month
2. Nationwide: $37 a month
3. Auto-Owners: $51 a month
4. Geico: $55 a month
5. Kemper: $58 a month

Cheapest Auto Insurance for 70-Year-Olds in Utah With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Nationwide: $128 a month
2. National Farmers Union: $226 a month
3. Kemper: $230 a month
4. Progressive: $242 a month
5. Geico: $245 a month

Cheapest Auto Insurance for 70-Year-Olds in Utah With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Utah for drivers with a speeding ticket.

1. Nationwide: $111 a month
2. Auto-Owners: $173 a month
3. Geico: $181 a month
4. Progressive: $192 a month
5. National Farmers Union: $200 a month

Cheapest Car Insurance in Utah for 70-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Utah drivers who caused an accident that injured someone else.

1. Nationwide: $151 a month
2. Progressive: $230 a month
3. Auto-Owners: $236 a month
4. Geico: $239 a month
5. National Farmers Union: $248 a month

Cheapest Auto Insurance for 70-Year-Olds in Utah After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Utah who have a DUI conviction.

1. Progressive: $171 a month
2. Kemper: $192 a month
3. Nationwide: $196 a month
4. Farm Bureau Mutual (Iowa): $219 a month
5. Permanent General: $257 a month

Cheapest Car Insurance In Salt Lake City, Utah

Cheapest for . . .	Company	Average monthly cost in Salt Lake City	Learn More
Good drivers	Nationwide	$110	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Nationwide	$133	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Nationwide	$172	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Progressive	$180	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Nationwide	$155	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In West Valley City, Utah

Cheapest for . . .	Company	Average monthly cost in West Valley City	Learn More
Good drivers	Nationwide	$112	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Nationwide	$136	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Nationwide	$175	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Progressive	$190	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Nationwide	$157	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Cheapest Car Insurance In Provo, Utah

Cheapest for . . .	Company	Average monthly cost in Provo	Learn More
Good drivers	Nationwide	$103	See Plans Via Forbes Advisor's Partner
Drivers with a speeding ticket	Nationwide	$125	See Plans Via Forbes Advisor's Partner
Drivers who caused an accident with injury	Nationwide	$160	See Plans Via Forbes Advisor's Partner
Drivers with a DUI	Progressive	$164	See Plans Via Forbes Advisor's Partner
Driver with poor credit	Nationwide	$145	See Plans Via Forbes Advisor's Partner

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

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Buy Cheap Car Insurance in Utah

If you’re looking for cheap car insurance in Utah, a few tips can make a lot of difference. The best car insurance options for you will combine a good price with the coverage features you want.

Check Rates from Several Auto Insurance Companies

A simple way to get cheap car insurance in Utah is to get insurance quotes from multiple companies. If you don’t have a variety of quotes to compare, you won’t know if you’re getting a good price. Even if your driving record isn’t great, shopping around can show significant rate differences among insurers.

Consider Switching Companies When Your Driving Record Changes

When your driving record changes, you might discover that your Utah car insurance company no longer has cheap insurance for you. If you’ve gotten a ticket or caused a car accident, you may want to switch car insurance companies to lower your car insurance bill.

Regularly Review Your Auto Insurance Policy

It’s wise to review your Utah auto insurance policy to make sure your coverage details still match your needs. Look at the coverage types, the limits for each coverage type and your deductible amounts. You may want to cut extras such as roadside assistance assistance coverage.

Rethink Your Deductible

If you have collision and comprehensive insurance, you have a car insurance deductible. The deductible you choose influences your premiums and potential out-of-pocket expenses if your vehicle is damaged or stolen. Think about raising the deductible to get cheaper car insurance. Keep in mind that a larger deductible will mean you pay a higher portion of car repair costs if you make a claim.

Look Into Car Insurance Discounts

Many car insurance discounts are subtracted from your policy automatically, but there may be additional car insurance discounts your insurer doesn’t know you’re eligible for. For example, if you have a high school or college student in your household who gets good grades, you might be eligible for a good student discount. Ask your insurance agent for a review of possible discounts.

Harness the Power of Bundling

The savings from bundling car insurance with other policies from the same insurance company is often significant. You can typically bundle Utah auto with homeowners insurance, condo or renters insurance. Our analysis found that the discount for bundling averages 14%.

Get Savings for Your Insurance Payment Strategy

You may be able to get small discounts based on the way you pay your car insurance bill. Some insurers offer discounts for:

• Going paperless for bills and policy documents.
• Using EFT payments if you’re paying in monthly installments.
• Paying for the entire policy term in one lump sum.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.