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Cheap Auto Insurance in Utah — Compare & Save Up to 40%

Average Utah driver pays $153/mo for full coverage. The cheapest carrier is USAA at $102/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Cheapest Auto Insurance Companies in Utah (2026)

We compared full coverage rates from the top auto insurance companies in Utah. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
USAA ⭐$612$102/mo
GEICO$696$116/mo
Bear River Mutual$738$123/mo
Progressive$786$131/mo
State Farm$858$143/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Utah Auto Insurance at a Glance

$153
Avg. Monthly (Full Coverage)
$102
Cheapest Monthly Rate
25/65/15
Minimum Liability Limits
6%
Uninsured Driver Rate

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What You Should Know About Utah Auto Insurance

For complete Utah auto insurance laws and requirements, visit the Utah Insurance Department. For vehicle registration and licensing, visit the Utah DMV.

Full Coverage vs. Liability in Utah

Full coverage in Utah averages $153/month, while liability-only coverage averages $43/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 6% of Utah drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Utah Auto Insurance Guides

Explore specific auto insurance topics for Utah:

📄 Cheap Car Insurance› 📄 Minimum Coverage› 📄 Full Coverage› 📄 SR-22 Insurance› 📄 No Deposit Insurance› 📄 Liability Insurance› 📄 Collision Insurance› 📄 Comprehensive Insurance› 📄 Uninsured Motorist Insurance› 📄 PIP Insurance› 📄 Gap Insurance› 📄 Non-Owner Car Insurance› 📄 Teen Driver Insurance› 📄 Senior Driver Insurance› 📄 Military Car Insurance› 📄 High Risk Auto Insurance› 📄 First-Time Driver Insurance› 📄 Insurance After DUI› 📄 Bad Credit Car Insurance› 📄 Multi-Car Insurance› 📄 Rideshare Insurance› 📄 Car Insurance Discounts› 📄 Bundle Home & Auto› 📄 Pay-Per-Mile Insurance› 📄 Same-Day Car Insurance› 📄 Month-to-Month Insurance› 📄 Insurance After Accident› 📄 Electric Vehicle Insurance›

Auto Insurance Rates by City in Utah

Where you live in Utah significantly affects your premium. Click your city for local rate comparisons:

📍 Salt Lake City, UT — $1,845/yr› 📍 West Valley City, UT — $1,848/yr› 📍 West Jordan, UT — $1,823/yr› 📍 Provo, UT — $1,928/yr› 📍 Orem, UT — $1,811/yr› 📍 Ogden, UT — $1,807/yr› 📍 Layton, UT — $1,737/yr› 📍 South Jordan, UT — $1,737/yr› 📍 Lehi, UT — $1,788/yr› 📍 Millcreek, UT — $1,751/yr› 📍 Taylorsville, UT — $1,811/yr› 📍 Herriman, UT — $1,803/yr› 📍 Logan, UT — $1,813/yr› 📍 Draper, UT — $1,785/yr› 📍 Murray, UT — $1,754/yr› 📍 Bountiful, UT — $1,678/yr› 📍 Riverton, UT — $1,759/yr› 📍 Eagle Mountain, UT — $1,660/yr› 📍 Spanish Fork, UT — $1,715/yr› 📍 Roy, UT — $1,686/yr› 📍 Pleasant Grove, UT — $1,769/yr› 📍 Saratoga Springs, UT — $1,775/yr› 📍 Midvale, UT — $1,729/yr› 📍 Tooele, UT — $1,662/yr› 📍 Springville, UT — $1,782/yr› 📍 Cedar City, UT — $1,724/yr› 📍 Cottonwood Heights, UT — $1,756/yr› 📍 American Fork, UT — $1,709/yr› 📍 Kaysville, UT — $1,679/yr› 📍 Syracuse, UT — $1,693/yr› 📍 Holladay, UT — $1,739/yr› 📍 Clearfield, UT — $1,658/yr› 📍 Washington, UT — $1,657/yr› 📍 South Salt Lake, UT — $1,671/yr› 📍 Farmington, UT — $1,571/yr› 📍 Clinton, UT — $1,610/yr› 📍 North Salt Lake, UT — $1,589/yr› 📍 Payson, UT — $1,645/yr› 📍 North Ogden, UT — $1,575/yr› 📍 Hurricane, UT — $1,729/yr› 📍 Brigham City, UT — $1,657/yr› 📍 Highland, UT — $1,661/yr› 📍 South Ogden, UT — $1,690/yr› 📍 Bluffdale, UT — $1,705/yr› 📍 Centerville, UT — $1,703/yr› 📍 West Haven, UT — $1,687/yr› 📍 Santaquin, UT — $1,598/yr› 📍 Smithfield, UT — $1,682/yr› 📍 Grantsville, UT — $1,700/yr› 📍 Vineyard, UT — $1,618/yr› 📍 Woods Cross, UT — $1,639/yr› 📍 Lindon, UT — $1,654/yr› 📍 Mapleton, UT — $1,606/yr› 📍 Pleasant View, UT — $1,590/yr› 📍 North Logan, UT — $1,584/yr› 📍 West Point, UT — $1,572/yr› 📍 Alpine, UT — $1,665/yr› 📍 Vernal, UT — $1,724/yr› 📍 Cedar Hills, UT — $1,729/yr›

Utah Auto Insurance FAQ

Who has the cheapest car insurance in Utah?
Based on our 2026 analysis, USAA offers the cheapest full coverage in Utah at $102/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Utah?
The average cost of full coverage auto insurance in Utah is $153/month or $1,840/year. Liability-only coverage averages $43/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Utah?
Utah requires minimum liability limits of 25/65/15 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.
How can I save on auto insurance in Utah?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Utah have a lot of uninsured drivers?
Approximately 6% of Utah drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Utah Insurance Department — official state insurance regulator for Utah.
  3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
  4. Utah DMV — Utah vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) — independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
  7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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