The best car insurance in Utah comes from Auto-Owners, according to Jerry’s editorial analysis. The company has high financial strength ratings and few complaints to state regulators. Here’s the rundown of the rest of the best insurers in the state.
If you need cheap car insurance in Utah, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Utah overall: Auto-Owners
Why it’s the best: Auto-Owners has 4.9 stars due to its superior financial strength rating and few customer complaints. Auto-Owners also ranks No. 2 out of 13 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study, making it our pick for the best car insurance company in Utah.
Auto-Owners offers perks that may reduce out-of-pocket expenses after an accident or claim, including a waived collision deductible if you’re in a crash with another vehicle insured by Auto-Owners. If your home and vehicle are insured by Auto-Owners and both are damaged by the same covered incident, you’ll pay a lower deductible or have it waived entirely.
Utah drivers may customize an auto policy with gap insurance, at-fault accident forgiveness and rental car coverage. Discounts may be available for paying your premium in full, paying on time for the last three years, bundling policies, going paperless, driving a car with certain safety features and getting a quote prior to the start date of your policy.
Students can qualify for discounts if they attend school more than 100 miles from home without a vehicle or have a grade average of a B or better. Teenagers may get a discount if they drive a car with a permanently installed GPS, or allow an eligible mobile to track their driving.
More of the best Utah insurers
The following companies are also among the best car insurance providers in Utah.
Honorable mention: CSAA Insurance Group
While not yet rated by Jerry, CSAA Insurance Group was ranked No. 1 out of 14 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study.
CSAA may offer discounts for bundling policies, insuring multiple vehicles, driving fewer miles and paying in full. Qualifying students can save if they’re included on a parent’s policy, while teens and older drivers can get a discount for completing a driver training program.
If you’re invited to join CSAA’s telematics program, MySafeDrive, you could get a discount just for participating, and could earn more savings by driving safely.
Best full coverage car insurance in Utah
Below are the best full coverage car insurance options in Utah, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $171 |
| Mendota | $186 |
| Progressive | $197 |
| Freedom | $204 |
| Bluefire | $232 |
Best car insurance for teen drivers in Utah
Here are some the best car insurance rates for teens in Utah, according to recent quotes for Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 18 | Dairyland | $138 | January 12, 2025 |
| 19 | Progressive | $149 | February 3, 2025 |
| 17 | Dairyland | $152 | November 29, 2024 |
| 18 | Dairyland | $205 | November 29, 2024 |
| 18 | Root | $245 | March 11, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Utah
Here are the best car insurance rates for young drivers in Utah.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $169 |
| Progressive | $229 |
| Root | $279 |
| Dairyland | $309 |
| National General | $334 |
Learn more: Car insurance for college students
Best car insurance for seniors in Utah
Here is the best car insurance for drivers over 65-years-old in Utah, based on quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $118 |
| Progressive | $147 |
| National General | $177 |
| Dairyland | $193 |
| The General | $212 |
Learn more: Car insurance for seniors
How to get the best car insurance in Utah
Follow these tips to find the best car insurance in Utah:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
