Best Car Insurance in Utah (2025)
Auto-Owners, State Farm, and USAA are among the best car insurance companies in Utah.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byElizabeth Rivelli
Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Table of contents
Table of contents
Each driver in Utah has unique car insurance needs and priorities, so finding the right insurance company can be challenging. To help you find the best car insurance in Utah, Insurify analyzed 50 car insurance companies based on features like cost, discounts, coverage options, customer satisfaction, and more.
Here’s what you should know about the best car insurance companies in Utah.
Best car insurance companies in Utah
The best car insurance company in Utah is different for every driver. These five insurance companies are some of the best options for people in the Beehive State, based on Insurify’s evaluation of the largest companies.
Auto-Owners: Best overall
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $115/mo |
4.0
Best choiceBased on 178 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (113)
Joe
April 13, 2025
Verified Review
Survey
The customer service is good, but it's too expensive.
Wilmer
April 12, 2025
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Charles
April 10, 2025
Verified Review
Unexpected Rate Increase After First Year
The rates significantly increased after the first year.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is the best car insurance company overall in Utah. It offers an excellent selection of car insurance coverage options and more than a dozen discounts for potential savings.
Auto-Owners has an above-average overall customer satisfaction rating from J.D. Power in the West region and an AM Best financial strength rating of A++ (Superior). It also has fewer complaints than expected from the National Association of Insurance Commissioners (NAIC).
Pros
Highly rated for overall customer satisfaction
Many available discounts and endorsements
AM Best financial strength rating of A++ (Superior)
Cons
Must contact an independent agent for a quote
Rated below average in claims satisfaction
Mobile app has mixed customer reviews
State Farm: Best for young drivers
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)
Daniel
April 16, 2025
Verified Review
Good
It's expensive, but they are good at paying claims.
Betina
April 16, 2025
Verified Review
Great! Need Lower Cost!
The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.
Juanita
April 16, 2025
Verified Review
I am the Policyholder
I am very satisfied. I wouldn't go anywhere else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm’s Steer Clear usage-based telematics program is a great option for young drivers looking for the most affordable car insurance policy. Drivers younger than 25 with no at-fault accidents or tickets within the past three years can enroll in the program, which tracks driving habits and rewards safe drivers with a lower insurance rate. State Farm also offers other discounts for teen drivers, including a good student discount and a student away at school discount.
Pros
Offers a telematics program for drivers under age 25
High J.D. Power claim and customer satisfaction scores
Offers numerous bundling opportunities with other State Farm products
Cons
Fewer endorsements than some competitors
Many more complaints than expected with the NAIC
Gap insurance restricted to customers who originate an auto loan through State Farm Bank
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)
Peter
April 16, 2025
Verified Review
Excellent Insurance, Although Expensive
I rely on the excellent support provided by USAA.
Richard
April 14, 2025
Verified Review
Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct
This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.
Alan
April 14, 2025
Verified Review
Time for a Change
Great experience.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA only offers car insurance to members of the military community, including active-duty, veterans and immediate family members.
USAA has some of the highest customer satisfaction and claims satisfaction ratings across the country from J.D. Power. In addition, USAA offers a great selection of discounts with generous savings, like a 60% discount for storing a vehicle while on deployment.
Pros
High J.D. Power customer satisfaction and claim satisfaction ratings
AM Best financial strength rating of A++ (Superior)
Generous discounts
Cons
Only available to members of the military community
Limited endorsements
More complaints than expected with the NAIC
American Family: Best for discounts
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $108/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.6
Best choiceBased on 438 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (232)
Randy
April 15, 2025
Verified Review
Few Claims
I haven't had a claim in years, but I feel their rates are too high! Also, their car insurance does not cover windshield replacement.
Connie
April 6, 2025
Verified Review
Coverage could be better
My car is a 2011 Impala with only 52k miles, yet I am charged $83 for full coverage, which I feel is a bit much. I was also informed that if I don't get a new roof, they will no longer cover any damage that could have been prevented by a new roof. I have no leaks or issues with my current roof.
Bruce
April 6, 2025
Verified Review
Good
Occasionally check their rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family is the best car insurance company in Utah for discounts. It offers 17 discounts, with savings for customer loyalty, safe vehicles, low mileage, good students, young volunteers, taking a defensive driving course, paying in full, and others.
American Family also offers a 23% discount for policy bundling, which is one of the biggest discounts we found. The company has a good customer satisfaction rating from J.D. Power, but it’s rated below average for claims satisfaction.
Pros
Many available car insurance discounts
Large bundling discount
Good J.D. Power customer satisfaction rating
Cons
Below-average J.D. Power rating for claims satisfaction
Few add-on coverage options
Slightly more complaints than expected with the NAIC
Root: Best for low rates
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $112/mo |
3.1
A solid optionBased on 765 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (421)
Teresa
April 16, 2025
Verified Review
Retired and Frustrated
The price for a 6-month policy is outrageous at $750, and I've been informed that it's going up to $850. I have never had a claim or ticket in the 50 years I've been driving. I would stop driving for that price.
Sonya
April 16, 2025
Verified Review
My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.
My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.
Michael
April 12, 2025
Verified Review
Save Money Elsewhere
The rate was so high that I found a better deal elsewhere. Despite having a good driving report, the price was actually $10 more than originally quoted. It did cover me for my ride home after buying, but considering it was a $1000 car, the insurance cost was 20% of what I paid for the car per month. Despite them tracking my driving and acknowledging that I'm a good driver, there was no discount, and the price was $10 more. I ended up going back to Progressive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Root has the lowest car insurance rates in Utah among the companies reviewed. Its average rate for liability-only coverage is lower than the statewide average rate.
Root uses information about your driving, like speed, brake force, and trip length, to calculate a rate based on your driving skills and mileage. The best drivers can save up to $900 per year on their car insurance, according to the company’s website.
Pros
Affordable premiums
Can help low-mileage drivers save money
Easy policy management online or through the app
Cons
Many more complaints than expected with the NAIC
Few ways to customize your coverage
Completely virtual — no local agents
Our editorial team analyzed regional and national auto insurance companies that sell policies in Utah to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Utah
The best car insurance in Utah for you depends on your coverage needs, preferences, budget, and other personal factors. Here are some tips that can help you find the best insurer.
Consider your coverage needs
Think about the types of coverage that might be beneficial for your situation. For instance, if you’re insuring a new vehicle, you may want to add gap insurance or new-car replacement coverage. Look for insurers that offer these endorsements and others that can offer valuable protection.
Check financial stability ratings
It’s important to select a financially stable auto insurance company that can pay car insurance claims. When comparing Utah car insurance companies, check each insurer’s AM Best rating to gauge its financial stability.
Look for discount opportunities
Most car insurance companies in Utah offer discounts, but the specific discounts and potential savings vary. To maximize your savings, look for insurance companies that offer multiple discounts you can qualify for.
Read customer reviews
Before you choose an insurance company, it’s helpful to read reviews from current and past policyholders. Check out online reviews to learn more about the company’s customer service, claims-handling practices, prices, and other important factors.
Compare quotes
The cost of car insurance is different for every Utah driver. To find cheap car insurance, compare personalized quotes from several companies.
Average cost of car insurance in Utah
The average cost of car insurance in Utah is $111 per month for liability-only insurance and $180 per month for full coverage. Utah’s average premium is slightly lower than the U.S. national monthly average rates of $105 for liability coverage and $196 for full coverage.
Car insurance rates vary for each driver. Some of the biggest factors that can affect rates include ZIP code, age, driving history, credit history, vehicle type, coverage limits, and deductibles.[1]
Additionally, many drivers in Utah may face higher rates in 2025 because of recent legislative changes that increased the state’s minimum-coverage limits to $30,000 in bodily injury liability per person, $65,000 in bodily injury liability per accident, and $25,000 in property damage liability.[2] This could lead to more expensive premiums for drivers with liability-only coverage, but it also provides a greater level of financial protection for drivers who cause an accident.
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Best car insurance in Utah FAQs
Many reputable auto insurance companies serve Utah drivers. The following information can help you find the best car insurance option for you in Utah.
How much is car insurance in Utah?
The average cost of car insurance in Utah is $111 per month for liability coverage and $180 for full-coverage insurance. On average, Utah drivers pay $145 per month for auto insurance.
What are the best car insurance companies in Utah?
Some of the best car insurance companies in Utah are Auto-Owners, USAA, State Farm, and American Family. But keep in mind that the right insurer will depend on your specific coverage needs, priorities, and budget.
What is the required auto insurance coverage amount in Utah?
Utah drivers must carry at least 30/65/25 in personal liability insurance. Additionally, drivers in the state must have personal injury protection (PIP) to satisfy the state’s no-fault laws.[3] Many drivers can benefit from optional coverages, like uninsured motorist insurance, collision insurance, and comprehensive insurance.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Utah State Legislature. "H.B. 113 Motor Vehicle Insurance Revisions."
- Utah State Legislature. "31A-22-307. Personal injury protection coverages and benefits.."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Reviewed byElizabeth Rivelli
Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in