Depending on where drivers live in Utah, the cost of auto insurance averaged $1,245 per year according to our research.The biggest factor affecting auto insurance quotes in Utah was which insurer they picked. Quotes from the most expensive carrier cost 68% or $1,414 more than the cheapest company in Utah. Our report below summarizes where we found the lowest rates for car insurance in Utah by state and by each of the 32 cities, including Salt Lake City, Provo, and West Jordan, etc.
Cheapest Auto Insurance in Utah
Based on our male driver, we found the three cheapest rates for car insurance in Utah at Bear River Mutual, GEICO, and Farm Bureau Mutual. Progressive and American Family round out the top five most affordable carriers here. The average cost of insuring a Toyota Camry at the three cheapest companies was $804 - 35% below the state mean. We'd recommend including any one of these companies, as well as comparing at least three quotes, when you're looking for low-cost auto insurance in Utah.
Bear River Mutual: We found the cheapest rates for car insurance in Utah at Bear River - by about 47% lower compared to the state mean for our 30 year old sample male driver. Bear River Mutual is a local insurer that operates as a mutual company, where its customers are also its owners. Any traditional profits are supposed to get funneled back to the policyholders via lower rates. It operates through independent agencies, with about six agencies in Salt Lake City, two in West Valley City, six in Provo, and a handful more scattered across the Beehive State.
GEICO: GEICO generally ranks as one of the most affordable insurers in our nation-wide studies. In Utah, our single male driver saw an average rate that was about 36% cheaper than what the typical insurer quoted - that shaves about $454 off on auto insurance costs a year. While they're predominantly an online company that handles most of their business and quoting through their website, they do have one agent stationed in Salt Lake City for consumers who prefer in-person interactions.
Farm Bureau: Farm Bureau Mutual was the third cheapest auto insurance company in Utah. Rates for a basic policy averaged just shy of $950 a year for our example driver, who had excellent driving records and good credit. One thing to note about Farm Bureau is that they require membership in order to be eligible for their insurance products, and the dues are $65 a year. While the $65 membership fee makes the average annual rate higher than Allied's, there are some benefits that accompany it, such as discounts to car rentals and AAA membership.
Check out the table below for a list of the 12 Utah auto insurers we studied. They're listed from the most affordable rates we found for our benchmark drivers to the highest. Your actual rates will differ based on your driver profile.
Minimum Auto Insurance Requirements in Utah
The rates we cite above reflect a driver getting full coverage insurance. For cheaper rates, drivers can opt instead for the state minimum which are the following:
$25,000 per person/$65,000 per accident of bodily injury liability
$15,000 of property damage liability per incident
$3,000 personal injury protection (PIP) per person
Cheapest Car Insurance in Utah: by City
We analyzed quotes across 10 companies in 32 cities in Utah, and present in the table below which companies had the three best car insurance rates in each location. For the most part, Bear River and GEICO dominated as the cheapest and 2nd cheapest insurer in each city, respectively. Farm Bureau and Progressive alternated with the third best rates depending on the city. Even in Kearns, West Jordan, and Salt Lake City, which ranked with three of the most expensive rates out of Utah, there's still opportunity to save by shopping for quotes.
Salt Lake City, UT
Salt Lake City ranked as the third most expensive city with an average rate that is 6% higher than the state average. The average premium here for our sample driver was $1,314. The capital and the most populous city in Utah, SLC was founded by Brigham Young and other Mormon followers in 1847 and is the headquarters for the Church of the Latter Day Saints. The happiest snowflakes fall in Utah, as ads for the city have proclaimed, and ardent skiers no doubt have visited runs at Park City and Canyons Resort, or Snowbird and Alta. CNN calls Salt Lake City the “least stressed-out city in the U.S.” due to its job opportunities and low cost of living - perhaps with the exception of auto insurance.
For the best car insurance rates in Salt Lake City, we'd recommend getting quotes from Bear River, GEICO, and Farm Bureau. The cost of insuring a Toyota Camry at these three companies was the lowest for the sample driver that we obtained quotes for. Rates averaged $792, and were $523 cheaper compared to the typical insurer in SLC. Progressive and American Family help to round out the five best rates here. In total, the five companies quoted a mean annual premium of $942 for our sample profile, which came out to being 28% lower than the SLC average.
