{"id":324550,"date":"2025-11-07T17:23:59","date_gmt":"2025-11-07T22:23:59","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=87022"},"modified":"2025-11-07T17:23:59","modified_gmt":"2025-11-07T22:23:59","slug":"best-in-utah","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-utah\/","title":{"rendered":"The Best Utah Auto Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"The Best Utah Auto Insurance Companies\"><\/span>\n    \n\n\n<p>Utah drivers generally pay less than the U.S. average for auto insurance, but premiums have risen since 2021. Recent 2025 studies place statewide averages around $1,700\u2013$1,900 per year for full coverage and roughly $550\u2013$700 for minimum coverage. For a single-source view, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a> estimates about the mid-$1,700s for full coverage and the mid-$500s for minimum coverage, with similar ranges reported by <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NerdWallet<\/a> and <a href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">The Zebra<\/a>. Reviews.com compared major carriers by pricing signals, satisfaction, complaint patterns and digital tools to find the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance<\/a> in Utah. Our data-backed analysis can help you zero in on strong options for 2025.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Utah<\/h2>\n\n\n\n<p>To identify leading options for Utah drivers in 2025, we reviewed state-specific rate studies from reputable sources (pricing), the latest regional satisfaction results from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power<\/a>, the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC Consumer Complaint Index<\/a>, coverage features and telematics programs, along with Utah\u2019s regulator-published premium comparisons. Our research indicates these four stand out for many shoppers:<\/p>\n\n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA:<\/strong><\/a><strong> <\/strong>Best for Military-Centric Options<\/li><li><a href=\"#american-family\" rel=\"nofollow\" class=\"achor-toggles\"><strong>American Family:<\/strong><\/a><strong> <\/strong>Best for Discounts<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm:<\/strong><\/a><strong> <\/strong>Best for Customer Satisfaction<\/li><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Geico:<\/strong><\/a> Best for Low Prices<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Utah<\/h2>\n\n\n\n<p>Your best carrier depends on your driver profile, vehicle, credit tier (where permitted), location and willingness to try usage-based programs. Use the comparison below for a quick snapshot, then verify current quotes and satisfaction\/complaint indicators using sources linked in the footnotes.<\/p>\n\n\n\t\t\n<section id=\"block_62c4538efd27a\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL MINIMUM COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL FULL COVERAGE PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM BEST\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_62c4538efd27a-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Context: UT avg \u2248 $1,750 (2025)*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Not ranked; see 2025 study**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4538efd27a-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">American Family<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Varies; UT avg \u2248 $1,750 (2025)*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4538efd27a-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Often competitive; UT avg \u2248 $1,750 (2025)*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62c4538efd27a-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>Among lowest for many profiles; UT avg \u2248 $1,750 (2025)*<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>See 2025 study**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information verified as of November 2025<\/em><\/p>\n\n\n\n<p><em>* 2025 statewide averages cited from <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate.com<\/a>; similar ranges ($1.7K\u2013$1.9K full; $550\u2013$700 minimum) are reported by <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NerdWallet<\/a> and <a href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">The Zebra<\/a>. Actual prices vary by profile and ZIP.<\/em><\/p>\n\n\n\n<p><em>**See <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> for Southwest regional satisfaction covering Utah (1,000-point scale). USAA is typically reported but not ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA consistently posts strong pricing and satisfaction for eligible military members and families, with SafePilot telematics and military-focused benefits (e.g., storage\/garaging). In 2025 statewide data, Utah\u2019s average full-coverage premium is around the mid-$1,700s, providing useful context for quote comparisons.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$1,750 (UT avg, 2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Not ranked; see 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA consistently posts strong pricing and satisfaction for eligible military members and families, with SafePilot telematics and military-focused benefits (e.g., storage\/garaging). In 2025 statewide data, Utah\u2019s average full-coverage premium is around the mid-$1,700s, providing useful context for quote comparisons.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Membership-only eligibility can yield lower-than-average pricing for many profiles<\/li>\n                            <li>High customer satisfaction in independent studies<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Restricted to active-duty, veterans and qualifying family members<\/li>\n                                    <li>Fewer physical branches than some competitors<\/li>\n                                    <li>Discount menu is smaller than some national peers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Motorcycle<\/li>\n<li>Classic car<\/li>\n<li>Aviation<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>SafePilot<\/li>\n<li>Military installation<\/li>\n<li>Loyalty<\/li>\n<li>Good student<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"american-family\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"american-family\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">American Family<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                American Family is strong for bundlers in Utah and offers robust add\u2011ons (accident forgiveness, diminishing deductible) and KnowYourDrive telematics. Several 2025 studies place Utah\u2019s full\u2011coverage average in the mid\u2011$1,700s, which helps benchmark quotes and potential telematics savings.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=342881-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2248$1,750 (UT avg, 2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                American Family is strong for bundlers in Utah and offers robust add\u2011ons (accident forgiveness, diminishing deductible) and KnowYourDrive telematics. Several 2025 studies place Utah\u2019s full\u2011coverage average in the mid\u2011$1,700s, which helps benchmark quotes and potential telematics savings.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Deep discount list and bundling strength in the Mountain West<\/li>\n                            <li>Competitive telematics (KnowYourDrive) for safe drivers<\/li>\n                            <li>Useful coverage upgrades (accident forgiveness, diminishing deductible)<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Pricing can trend mid\u2011market unless discounts\/telematics applied<\/li>\n                                    <li>Availability varies by state; verify local agency access<\/li>\n                                    <li>Lower\u2011than\u2011top\u2011tier results in some digital experience studies<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Boat<\/li>\n<li>Snowmobile<\/li>\n<li>Home<\/li>\n<li>Manufactured home<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Generational<\/li>\n<li>Early bird<\/li>\n<li>KnowYourDrive<\/li>\n<li>Young volunteer<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                In recent J.D. Power Southwest-region results, State Farm performs at or above average for satisfaction and pairs that with a large local agent footprint in Utah. Its Drive Safe &amp; Save telematics and broad discount list help it compete on price for many profiles in 2025.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Often competitive vs. UT avg \u2248 $1,750 (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                In recent J.D. Power Southwest-region results, State Farm performs at or above average for satisfaction and pairs that with a large local agent footprint in Utah. Its Drive Safe &amp; Save telematics and broad discount list help it compete on price for many profiles in 2025.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agencies across Utah for in\u2011person service<\/li>\n                            <li>Strong satisfaction showing in regional results<\/li>\n                            <li>Superior AM Best financial strength<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can be higher without discounts\/telematics<\/li>\n                                    <li>Accident forgiveness availability\/eligibility varies<\/li>\n                                    <li>Compare recent <a href=\"https:\/\/eapps.naic.org\/cis\/\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a> values by subsidiary before buying<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Condo<\/li>\n<li>Business<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drive Safe &amp; Save<\/li>\n<li>Steer Clear<\/li>\n<li>Student away at school<\/li>\n<li>Vehicle safety<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Low Prices\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Prices<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Across recent 2025 Utah rate comparisons, Geico frequently appears among the lowest-cost options for good drivers and offers strong digital tools and DriveEasy telematics. Use Utah\u2019s statewide average (mid-$1,700s for full coverage) as context when evaluating quotes.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Among lowest vs. UT avg \u2248 $1,750 (2025)*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Across recent 2025 Utah rate comparisons, Geico frequently appears among the lowest-cost options for good drivers and offers strong digital tools and DriveEasy telematics. Use Utah\u2019s statewide average (mid-$1,700s for full coverage) as context when evaluating quotes.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Typically competitive pricing and strong online experience<\/li>\n                            <li>Above-average J.D. Power customer and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">claims satisfaction scores<\/a><\/li>\n                            <li>Robust online tools<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Policy endorsements may be fewer than some competitors<\/li>\n                                    <li>Limited local office presence<\/li>\n                                    <li>Review the latest <a href=\"https:\/\/eapps.naic.org\/cis\/\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a> to compare complaint levels by company<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/ATV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Federal employee<\/li>\n<li>Military<\/li>\n<li>Membership and employee affiliation<\/li>\n<li>Emergency deployment<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* 2025 Utah statewide averages are used for context; company-specific premiums vary by driver, coverage and ZIP. See sources cited above.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2025 U.S. Auto Insurance Study covers Utah within the Southwest region; USAA is commonly reported but not ranked due to eligibility limitations.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Utah<\/h2>\n\n\n\n<p>For 2025, Utah\u2019s average premiums land around $1,700\u2013$1,900 per year for full coverage and roughly $550\u2013$700 for minimum coverage across reputable studies. <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\" (opens in a new tab)\">Bankrate<\/a> estimates about the mid-$1,700s (full) and mid-$500s (minimum), corroborated by <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\" (opens in a new tab)\">NerdWallet<\/a> and <a class=\"achor-toggles\" href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\" (opens in a new tab)\">The Zebra<\/a>. Premiums have climbed since 2021 amid elevated claim severity\/frequency and repair\/medical cost inflation; the motor vehicle insurance CPI showed double\u2011digit YoY increases through 2024\u20132025, per the <a class=\"achor-toggles\" href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\" (opens in a new tab)\">BLS<\/a>.<\/p>\n\n\n\n<p>Average <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">car insurance rates<\/a> vary widely by location, driving record, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a> (where allowed), age and vehicle. Recent nationwide analyses show a single speeding ticket can raise rates roughly 20%\u201325% on average, an at\u2011fault crash about 40%\u201350%, and a DUI roughly 65%\u201385%; drivers with poor credit often pay about 70%\u201390% more than excellent credit in states that permit it. See supporting research: <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">speeding<\/a>, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">at\u2011fault crash<\/a>, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DUI<\/a>, and <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">credit-based insurance scores<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Utah<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>$839 (historical 2021)<\/td><\/tr><tr><td>Geico<\/td><td>$971 (historical 2021)<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,052 (historical 2021)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical 2021 data originally modeled by Bankrate. For 2025, statewide full-coverage averages center around ~$1,750 per <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a>, and multiple studies find Geico, State Farm and USAA frequently among the lowest-cost options for many Utah profiles (<a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a>, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a>).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Utah<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Kemper<\/td><td>$2,340 (historical 2021)<\/td><\/tr><tr><td>American Family<\/td><td>$1,676 (historical 2021)<\/td><\/tr><tr><td>State Farm<\/td><td>$1,648 (historical 2021)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical 2021 figures shown for reference only; current 2025 rankings vary by profile. Always compare multiple quotes and consult recent Utah rate studies (<a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a>) and the state\u2019s <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">premium comparison<\/a> to see current market dispersion.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Utah<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Logan<\/td><td>~$1,250\u2013$1,400<\/td><\/tr><tr><td>Provo\u2013Orem<\/td><td>~$1,300\u2013$1,500<\/td><\/tr><tr><td>St. George<\/td><td>~$1,300\u2013$1,450<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* 2024\u20132025 indicative averages synthesized from <a href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">The Zebra<\/a>, <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a>; exact quotes vary by ZIP, vehicle, credit tier and coverage. Utah\u2019s regulator <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">publishes premium comparisons<\/a> that show similar patterns by county.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Utah<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Salt Lake City<\/td><td>~$1,800\u2013$2,000<\/td><\/tr><tr><td>South Salt Lake<\/td><td>~$1,750\u2013$1,950<\/td><\/tr><tr><td>West Valley City<\/td><td>~$1,750\u2013$1,950<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* 2024\u20132025 indicative ranges from <a href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">The Zebra<\/a> with corroboration from <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a>. Differences reflect profile and ZIP selection; state <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">premium comparisons<\/a> also show higher quotes in the Salt Lake Valley vs. Cache\/Utah\/Washington counties.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Utah<\/h2>\n\n\n\n<p>Utah is a no\u2011fault state that requires PIP and liability coverage. Because pricing varies widely by ZIP and driver profile, use the state\u2019s <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Auto Premium Comparisons<\/a> tool alongside private-market studies when you shop. Many insurers also offer telematics programs that can reduce premiums for low\u2011risk driving in 2025.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Utah Car Insurance Requirements<\/h3>\n\n\n\n<p>Drivers in Utah <a href=\"https:\/\/insurance.utah.gov\/consumers\/auto\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">must carry liability insurance<\/a> to drive legally. Utah drivers are required to purchase at least these coverages:\u00a0<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$65,000 bodily injury liability per accident<\/li><li>$15,000 property damage liability per accident<\/li><li>$3,000 personal injury protection (PIP)<\/li><\/ul>\n\n\n\n<p>Utah law also permits a single combined liability limit of $80,000 instead of split limits, per <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S302.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Utah Code \u00a731A\u201122\u2011302<\/a>. Basic PIP includes at least $3,000 per person in medical benefits, regardless of fault (<a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S304.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a731A\u201122\u2011304<\/a>). You may pursue pain\u2011and\u2011suffering claims against an at\u2011fault driver only if medical expenses exceed $3,000 or specific serious injuries occur (<a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S309.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a731A\u201122\u2011309<\/a>). Insurers must offer UM and UIM; UM defaults to your liability limits unless you reject or choose lower limits in writing (<a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S305.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a731A\u201122\u2011305<\/a>, <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S305.3.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a731A\u201122\u2011305.3<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>In addition to liability coverage, consider adding the following to tailor protection for Utah\u2019s no\u2011fault environment and rising repair costs:<\/p>\n\n\n\n<ul><li><a class=\"achor-toggles\" href=\"https:\/\/reviews.com\/insurance\/car\/comprehensive-collision-insurance\/\"><strong>Comprehensive and collision<\/strong><\/a><strong>:<\/strong> These two coverages are designed to pay for damage to your vehicle due to a variety of scenarios. While they\u2019re optional if you own your car outright, they\u2019re typically required if you have a loan or lease.\u00a0<\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/is-gap-insurance-worth-it\/\"><strong>Gap coverage<\/strong><\/a><strong>:<\/strong> This coverage can help to cover the difference between your car\u2019s actual cash value and the amount you owe on your loan or lease if your vehicle is totaled or stolen.<\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\"><strong>Rideshare coverage<\/strong><\/a><strong>:<\/strong> Rideshare drivers may need this option, which generally provides coverage while you have your app on but before you\u2019ve picked up a rider or order.\u00a0<\/li><li><strong>Uninsured and \/underinsured motorist:<\/strong> If you\u2019re in an accident with someone who doesn\u2019t have coverage or doesn\u2019t have enough coverage to pay for your injuries, these options can help pick up the tab.\u00a0<\/li><li><strong>Accident forgiveness: <\/strong>While most insurance premiums will <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">increase after an accident<\/a>, accident forgiveness coverage can prevent that.<\/li><\/ul>\n\n\n\n<p>Trends to watch in 2025: usage\u2011based insurance (Drive Safe &amp; Save, DriveEasy, Snapshot, KnowYourDrive, IntelliDrive) is scaling and can lower costs for low\u2011risk drivers; connected\u2011car\/OEM data is enhancing pricing and claims; and AI\u2011assisted, photo\u2011based estimating is speeding low\u2011severity claims handling. See recent industry reports from <a href=\"https:\/\/risk.lexisnexis.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">LexisNexis<\/a>, <a href=\"https:\/\/www.cccis.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">CCC<\/a> and <a href=\"https:\/\/www.mitchell.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Mitchell<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62c45491fd299\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get car insurance in Utah?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>You can quote online, by phone, or through a local agent. Have each driver\u2019s name, date of birth and license number ready, plus the year\/make\/model or VIN for every vehicle. Comparing at least 4\u20135 companies is smart in 2025 given market dispersion; include a telematics option to see potential savings. To benchmark quotes, use the Utah Insurance Department\u2019s <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Auto Premium Comparisons<\/a> alongside private market studies like <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c454a5fd29a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best car insurance company in Utah?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>There isn\u2019t one brand that\u2019s best for everyone. 2025 Utah studies frequently show Geico, State Farm and USAA among the lowest-cost options for good drivers, with Progressive, American Family and Travelers often competitive depending on profile. Check recent satisfaction results from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">J.D. Power<\/a> and compare 2025 complaint indices on the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NAIC Consumer Insurance Search<\/a> before buying.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62c454b7fd29b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is car insurance required in Utah?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Yes. Utah requires liability (25\/65\/15) and basic PIP ($3,000 minimum medical). A single combined limit of $80,000 is allowed instead of split limits. Insurers must offer UM and UIM; UM defaults to your liability limits unless you reject or choose lower limits in writing. See Utah Code <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S302.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a731A\u201122\u2011302<\/a>, <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S304.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a7304<\/a>, <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S309.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a7309<\/a>, <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S305.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a7305<\/a> and <a href=\"https:\/\/le.utah.gov\/xcode\/Title31A\/Chapter22\/31A-22-S305.3.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u00a7305.3<\/a>.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com evaluates insurers on affordability, customer support, coverage options, customer satisfaction and digital resources. For Utah 2025, we synthesized pricing insights from state\u2011specific analyses by <a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NerdWallet<\/a> and <a href=\"https:\/\/www.thezebra.com\/utah-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">The Zebra<\/a>; satisfaction from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power 2025<\/a>; and complaint benchmarks from the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">NAIC<\/a>. We also referenced Utah\u2019s regulator <a href=\"https:\/\/insurance.utah.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">premium comparisons<\/a> to validate market dispersion.<\/p>\n\n\n\n<p>Where a single average is needed for context, we cite 2025 Bankrate Quadrant data for a clean-driver profile (commonly a 40\u2011year\u2011old with typical limits\/deductibles). For full coverage, many studies model limits similar to: <\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, sources use each state\u2019s legal minimums. Base profiles often assume a late\u2011model sedan (e.g., Toyota Camry), ~12,000 miles annually and a clean record; your price may vary. Always consult each source\u2019s methodology page for specifics, and use these figures for comparative purposes only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Utah drivers generally pay less than the U.S. average for auto insurance, but premiums have risen since 2021. Recent 2025 studies place statewide averages around $1,700\u2013$1,900 per year for full coverage and roughly $550\u2013$700 for minimum coverage. For a single-source view, Bankrate estimates about the mid-$1,700s for full coverage and the mid-$500s for minimum coverage, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358419,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Utah Auto Insurance Companies | Reviews<\/title>\n<meta name=\"description\" content=\"Starting with 10 of the most popular car insurance providers in the state, we analyzed customer satisfaction, coverage options, and affordability, as well as financial strength and available discounts, to determine which companies provided the best overall experience.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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