Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Utah is one of the cheapest states for auto insurance
  • Liability auto insurance in Utah is around $45 a month, and full coverage auto insurance is on average $78 per month
  • Farm Bureau is one of the best auto insurance companies in Utah

Are you looking for cheap car insurance in Utah? Multiple factors determine the best car insurance in Utah.

But how much is car insurance in Utah for an 18-year-old? Don’t worry, we’ll answer this question and more.

Our guide explores cheap auto insurance in Utah, which companies provide affordable insurance in Utah, and what factors produce cheap Utah auto insurance.

Continue reading to learn how to get cheap auto insurance in Utah. Enter your ZIP code in the free online quote tool to start comparing multiple insurance companies near you.

Where can I find cheap auto insurance companies in Utah?

Affordable car insurance is available all over Utah. But it helps to know which companies provide cheap insurance.

Fortunately, we’ve researched the cheapest companies in Utah for you. Check out the table below to see which companies have the most affordable rates.

Monthly Liability Auto Insurance Rates in Utah by Company
CompaniesMonthly Liability Auto Insurance Rates
Farm Bureau$48
State Farm$62
American Family$92
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Farm Bureau has the cheapest car insurance rates in Utah. However, these are estimates based on minimum auto insurance coverage.

According to the National Association of Insurance Commissioners (NAIC), full coverage is more expensive than liability coverage (minimum coverage).

Let’s look at the price of car insurance in Utah based on full coverage.

Monthly Full Coverage Auto Insurance Rates in Utah by Company
CompaniesMonthly Full Coverage Auto Insurance Rates
Farm Bureau$124
State Farm$131
American Family$160
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Auto-Owners has overtaken Farm Bureau as the most affordable auto insurance in Utah. But your rates will vary.

USAA car insurance is for members of the United States military and their immediate families. So, most auto insurance shoppers would go through other companies.

Many factors determine whether cheap car insurance quotes in Utah are available to you.

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Does age affect cheap auto insurance quotes in Utah?

Age is a significant factor that determines Utah car insurance rates because it shows the experience of the driver.

Young drivers (20 to 24) are more likely to take risks. This increases their chances of filing an auto insurance claim.

But what about other age groups in Utah? Here’s a list of the average monthly rates for Utah drivers by age.

  • 20-year-old drivers — $155/month
  • 30-year-old drivers — $79/month
  • 40-year-old drivers — $79/month
  • 50-year-old drivers — $77/month
  • 60-year-old drivers — $76/month

Drivers over 29 pay close to the average rate, but drivers in their 20s pay almost twice as much.

If you’re a teen driver, your auto insurance rates are even more expensive.

How much is Utah auto insurance for an 18-year-old driver?

An 18-year-old driver could pay $365 a month for auto insurance. Parents and legal guardians that add an 18-year-old driver to their policies could pay as much as $471 per month.

However, you can save money on Utah car insurance rates with the right company.

Can traffic violations affect auto insurance in Utah?

Yes, they can. However, a traffic infraction on your driving record doesn’t disqualify you from cheap auto insurance rates in Utah.

Let’s examine how much you could pay for car insurance in Utah based on various traffic violations.

ViolationAverage Monthly Auto Insurance Rates
Not-at-Fault Accident$102
Driving with Expired Registration$108
Failure to Show Documents$108
Driving Without Lights$108
Failure to Use Child Safety Restraint$110
Driving Wrong Way/Wrong Lane$114
Failure to Wear a Seat Belt$115
Driving Too Slowly$121
Speeding in a School Zone$122
Distracted Driving$122
Failure to Stop at a Red Light$123
Illegal Turn$124
Passing a School Bus$125
Improper Passing$125
Following Too Closely$125
Failure to Yield$125
Operating a Vehicle Without Permission$126
Driving with an Open Container$133
Refused Breathalyzer/Chemical Test$136
Reckless Driving$142
At-Fault Accident$142
Hit and Run$147
Driving with a Suspended License$148
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Severe driving offenses generate more expensive rates. Hit-and-run and driving with a suspended license produce the highest increase in Utah.

Reckless driving and DUI convictions may have lower increases, but they’re accompanied by firm penalties from Utah state law.

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How can I buy cheap auto insurance in Utah with multiple tickets?

You can get cheap car insurance rates in Utah by qualifying for discounts. If you have a few tickets, you can cancel out an increase with multiple deals.

For example, good credit can help you beat an increase from a speeding ticket or two.

Accidents can also drive up your rates but stacking your auto insurance discounts can offset steep prices.

Can I get cheap auto insurance in Utah’s top 10 most populated cities?

Yes, you can. Although urban areas are likely to encounter more car insurance claims, you can secure affordable rates.

Let’s look at the average monthly rates of the top 10 cities in Utah.

  • Salt Lake City, UT Auto Insurance Rate — $160/month
  • West Valley City, UT Auto Insurance Rate — $167/month
  • West Jordan, UT Auto Insurance Rate — $159/month
  • Provo, UT Auto Insurance Rate — $151/month
  • Orem, UT Auto Insurance Rate — $155/month
  • Sandy, UT Auto Insurance Rate — $152/month
  • St. George, UT Auto Insurance Rate — $133/month
  • Ogden, UT Auto Insurance Rate — $145/month
  • Layton, UT Auto Insurance Rate — $141/month
  • South Jordan, UT Auto Insurance Rate — $142/month

St. George has the most affordable rates out of the top 10 cities in Utah. Since these cities are the most populated across Utah, the risk to drive in each of these cities is higher than average.

Therefore, car insurance rates in these Utah cities are more expensive than average.

What are Utah’s minimum auto insurance requirements?

If you want liability-only coverage in Utah, you’ll have 20/65/15 and $3,000 for personal injury protection (PIP). The 20/65/15 means:

  • $20,000 for bodily injury of one person per accident
  • $65,000 for bodily injury of multiple people per accident
  • $15,000 for property damage per accident

Each car insurance company calculates your monthly rates differently. Therefore, it’s essential to shop around until you find a Utah auto insurance company with reasonable rates.

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Cheap Auto Insurance in Utah: The Bottom Line

Utah car insurance can be as low as $78 per month. However, you’ll need to maintain a clean driving record, have good credit, and qualify for several discounts.

The top auto insurance companies in Utah can provide cheap coverage, but you’ll need to compare multiple quotes to see which company has the best deal.

Before you buy cheap auto insurance in Utah, use our free online quote tool to compare quotes from the best insurance companies in your area.

Frequently Asked Questions: Cheap Auto Insurance in Utah

Do you have more questions about cheap car insurance in Utah? Continue reading these answers to frequently asked questions to learn more.

#1 – Why is auto insurance in Utah so cheap?

Utah drivers are low-risk drivers compared to those in other states.

#2 – Which company has the cheapest auto insurance in Utah?

USAA is the most affordable company for military veterans. But the cheapest insurance companies for all other drivers are Bear River, Farm Bureau, and GEICO.

#3 – Can I buy Utah auto insurance online?

Yes, you can.