Best Car Insurance Rates in Utah

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Relying on the place drivers stay in Utah, the price of auto insurance coverage averaged $1,245 per yr in line with our analysis.The largest issue affecting auto insurance coverage quotes in Utah was which insurer they picked. Quotes from the costliest service price 68% or $1,414 greater than the most cost effective firm in Utah. Our report under summarizes the place we discovered the bottom charges for automotive insurance coverage in Utah by state and by every of the 32 cities, together with Salt Lake Metropolis, Provo, and West Jordan, and so forth.Best Car Insurance Rates in Utah

Least expensive Auto Insurance coverage in Utah

Primarily based on our male driver, we discovered the three most cost-effective charges for automotive insurance coverage in Utah at Bear River Mutual, GEICO, and Farm Bureau Mutual. Progressive and American Household spherical out the highest 5 most reasonably priced carriers right here. The typical price of insuring a Toyota Camry on the three most cost-effective firms was $804 – 35% under the state imply. We would suggest together with any one in every of these firms, in addition to evaluating no less than three quotes, while you’re in search of low-cost auto insurance coverage in Utah.

Bear River Mutual: We discovered the most cost effective charges for automotive insurance coverage in Utah at Bear River – by about 47% decrease in comparison with the state imply for our 30 yr outdated pattern male driver. Bear River Mutual is an area insurer that operates as a mutual firm, the place its clients are additionally its house owners. Any conventional income are speculated to get funneled again to the policyholders through decrease charges. It operates by way of unbiased companies, with about six companies in Salt Lake Metropolis, two in West Valley Metropolis, six in Provo, and a handful extra scattered throughout the Beehive State.

GEICO: GEICO typically ranks as one of the reasonably priced insurers in our nation-wide research. In Utah, our single male driver noticed a median charge that was about 36% cheaper than what the everyday insurer quoted – that shaves about $454 off on auto insurance coverage prices a yr. Whereas they’re predominantly an internet firm that handles most of their enterprise and quoting by way of their web site, they do have one native agent stationed in Salt Lake Metropolis for shoppers preferring in-person interactions.

Farm Bureau: Farm Bureau Mutual was the third most cost-effective auto insurance coverage firm in Utah. Charges for a primary coverage averaged simply shy of $950 a yr for our instance driver, who had wonderful driving data and good credit score. One factor to notice about Farm Bureau is that they require membership with the intention to be eligible for his or her insurance coverage merchandise, and the dues are $65 a yr. Whereas the $65 membership charge makes the typical annual charge larger than Allied’s, there are some advantages that accompany it, resembling reductions to automotive leases and AAA membership.

Take a look at the desk under for an inventory of the 12 Utah auto insurers we studied. They’re listed from probably the most reasonably priced charges we discovered for our benchmark drivers to the very best. Your precise charges will differ based mostly in your driver profile.

Metropolis Auto Insurance coverage Firm Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham Metropolis Bear River $624
GEICO $785
Progressive $892
Clearfield Bear River $648
GEICO $744
Progressive $977
Draper Bear River $720
GEICO $837
Farm Bureau Mutual $960
Heber Bear River $636
GEICO $827
American Household $1,044
Kanab Bear River $624
GEICO $790
Farm Bureau Mutual $996
Kaysville Bear River $648
GEICO $752
Progressive $964
Kearns Bear River $720
GEICO $846
Farm Bureau Mutual $1,032
Layton Bear River $648
GEICO $741
Farm Bureau Mutual $900
Lehi Bear River $720
GEICO $814
Farm Bureau Mutual $948
Logan Farm Bureau Mutual $636
Bear River $636
GEICO $748
Midvale Bear River $636
GEICO $823
Farm Bureau Mutual $960
Moab Bear River $624
GEICO $790
Progressive $958
Nephi Bear River $624
GEICO $790
Progressive $879
Ogden Bear River $660
GEICO $762
Farm Bureau Mutual $972
Orem Bear River $660
GEICO $826
Farm Bureau Mutual $936
Park Metropolis Bear River $636
GEICO $753
Farm Bureau Mutual $984
Worth Bear River $624
GEICO $790
Progressive $942
Provo Bear River $660
GEICO $795
Farm Bureau Mutual $948
Richfield Bear River $624
GEICO $790
Progressive $960
Riverton GEICO $804
Farm Bureau Mutual $876
Bear River $960
Roosevelt Bear River $636
GEICO $790
Progressive $997
Roy Bear River $648
GEICO $753
Farm Bureau Mutual $948
Saint George Bear River $648
GEICO $786
Farm Bureau Mutual $876
Salt Lake Metropolis Bear River $636
GEICO $864
Farm Bureau Mutual $876
Sandy Bear River $720
GEICO $828
Farm Bureau Mutual $936
South Jordan Bear River $720
GEICO $818
Farm Bureau Mutual $936
Spanish Fork Bear River $660
GEICO $771
Farm Bureau Mutual $948
Springville Bear River $660
GEICO $806
Farm Bureau Mutual $960
Syracuse Bear River $648
GEICO $744
Farm Bureau Mutual $936
Tooele Bear River $636
GEICO $753
Progressive $938
West Jordan Bear River $720
GEICO $790
Farm Bureau Mutual $1,008

Minimal Auto Insurance coverage Necessities in Utah

The charges we cite above mirror a driver getting full protection insurance coverage. For cheaper charges, drivers can choose as an alternative for the state minimal that are the next:

$25,000 per particular person/$65,000 per accident of bodily damage legal responsibility
$15,000 of property injury legal responsibility per incident
$Three,000 private damage safety (PIP) per particular person

Least expensive Automotive Insurance coverage in Utah: by Metropolis

We analyzed quotes throughout 10 firms in 32 cities in Utah, and current within the desk under which firms had the three finest automotive insurance coverage charges in every location. For probably the most half, Bear River and GEICO dominated as the most cost effective and 2nd most cost-effective insurer in every metropolis, respectively. Farm Bureau and Progressive alternated with the third finest charges relying on town. Even in Kearns, West Jordan, and Salt Lake Metropolis, which ranked with three of the costliest charges out of Utah, there’s nonetheless alternative to save lots of by looking for quotes.

Metropolis Auto Insurance coverage Firm Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham Metropolis Bear River $624
GEICO $785
Progressive $892
Clearfield Bear River $648
GEICO $744
Progressive $977
Draper Bear River $720
GEICO $837
Farm Bureau Mutual $960
Heber Bear River $636
GEICO $827
American Household $1,044
Kanab Bear River $624
GEICO $790
Farm Bureau Mutual $996
Kaysville Bear River $648
GEICO $752
Progressive $964
Kearns Bear River $720
GEICO $846
Farm Bureau Mutual $1,032
Layton Bear River $648
GEICO $741
Farm Bureau Mutual $900
Lehi Bear River $720
GEICO $814
Farm Bureau Mutual $948
Logan Farm Bureau Mutual $636
Bear River $636
GEICO $748
Midvale Bear River $636
GEICO $823
Farm Bureau Mutual $960
Moab Bear River $624
GEICO $790
Progressive $958
Nephi Bear River $624
GEICO $790
Progressive $879
Ogden Bear River $660
GEICO $762
Farm Bureau Mutual $972
Orem Bear River $660
GEICO $826
Farm Bureau Mutual $936
Park Metropolis Bear River $636
GEICO $753
Farm Bureau Mutual $984
Worth Bear River $624
GEICO $790
Progressive $942
Provo Bear River $660
GEICO $795
Farm Bureau Mutual $948
Richfield Bear River $624
GEICO $790
Progressive $960
Riverton GEICO $804
Farm Bureau Mutual $876
Bear River $960
Roosevelt Bear River $636
GEICO $790
Progressive $997
Roy Bear River $648
GEICO $753
Farm Bureau Mutual $948
Saint George Bear River $648
GEICO $786
Farm Bureau Mutual $876
Salt Lake Metropolis Bear River $636
GEICO $864
Farm Bureau Mutual $876
Sandy Bear River $720
GEICO $828
Farm Bureau Mutual $936
South Jordan Bear River $720
GEICO $818
Farm Bureau Mutual $936
Spanish Fork Bear River $660
GEICO $771
Farm Bureau Mutual $948
Springville Bear River $660
GEICO $806
Farm Bureau Mutual $960
Syracuse Bear River $648
GEICO $744
Farm Bureau Mutual $936
Tooele Bear River $636
GEICO $753
Progressive $938
West Jordan Bear River $720
GEICO $790
Farm Bureau Mutual $1,008

Salt Lake Metropolis, UT

Salt Lake Metropolis ranked because the third costliest metropolis with a median charge that’s 6% larger than the state common. The typical premium right here for our pattern driver was $1,314. The capital and probably the most populous metropolis in Utah, SLC was based by Brigham Younger and different Mormon followers in 1847 and is the headquarters for the Church of the Latter Day Saints. The happiest snowflakes fall in Utah, as adverts for town have proclaimed, and ardent skiers little question have visited runs at Park Metropolis and Canyons Resort, or Snowbird and Alta. CNN calls Salt Lake Metropolis the “least stressed-out metropolis within the U.S.” as a result of its job alternatives and low price of residing – maybe aside from auto insurance coverage.Best Car Insurance Rates in Utah 1

For the perfect automotive insurance coverage charges in Salt Lake Metropolis, we would suggest getting quotes from Bear River, GEICO, and Farm Bureau. The price of insuring a Toyota Camry at these three firms was the bottom for the pattern driver that we obtained quotes for. Charges averaged $792, and had been $523 cheaper in comparison with the everyday insurer in SLC. Progressive and American Household assist to spherical out the 5 finest charges right here. In whole, the 5 firms quoted a imply annual premium of $942 for our pattern profile, which got here out to being 28% decrease than the SLC common.

This graph shows which companies in SLC had the best rates for auto insurance for our two sample drivers

Provo, UT

To get the most cost effective quotes for automotive insurance coverage in Provo, we propose beginning at Bear River Mutual, GEICO, and Farm Bureau. From our information set, charges from these three carriers had been about $801 or 36% cheaper for our driver’s autos in comparison with the opposite insurers right here. Bear River and Farm Bureau are nice for Utah locals preferring having one level of contact for his or her insurance coverage wants, and GEICO can be nice for folks in search of a easy and fast on-line quote. Town of Provo is dwelling to about 116,000 Utahns, together with popular culture figures resembling actress Julianne Hough, the Osmond household, and Think about Dragons. It is also the location of Brigham Younger College, one of many largest non-public universities within the U.S. with an estimated 34,000 scholar physique.

This column graph ranks the five auto insurers with the cheapest quotes in Provo

West Jordan, UT

Additionally positioned in Salt Lake County, West Jordan ranks because the second costliest metropolis for auto insurance coverage within the state. Town was based in 1850, when the primary sawmill was constructed within the space. Its inhabitants has grown exponentially because the 1970s, and in the present day consists of college students on the Salt Lake Group School and Broadview College. Our instance driver noticed charges averaging $1,316 per yr to insure their autos. Though charges listed below are 6% larger than the state imply, drivers can nonetheless save on their prices. We discovered the 5 most reasonably priced automotive insurance coverage charges in West Jordan at Bear River, GEICO, Farm Bureau Mutual, Progressive, and American Household. In comparison with the 10-company composite of $1,245, these 5 insurers price about $976 on common. That is financial savings of 22% for our benchmark driver – equal to $269 again of their wallets.

Here are the five companies that we found the most affordable rates for insuring a vehicle in West Jordan.

Orem, UT

Who has the bottom auto insurance coverage charges in Orem? We in contrast charges throughout 10 carriers underwriting in Orem, and that distinction went to Bear River, GEICO, and Farm Bureau. Charges ranged from $660 to $936 for our typical single male driver in Orem for the three most reasonably priced firms. Your charges will differ considerably, as a result of our driver had wonderful blemish-free charges previously 5 years and a superb credit score historical past. Nonetheless, we suggest these three, together with Progressive and American Household as a place to begin while you’re fascinated with the place to get quotes from for low-cost auto insurance coverage. A few 40-mile drive from Salt Lake Metropolis, Orem’s inhabitants is 88,000. It is positioned on the base of the Wasatch Mountains, and close to the banks of the Utah Lake. Forbes has acknowledged it as a fantastic place to boost a household, and from outside actions in close by Provo Canyon to kid-friendly spots like Nickel Metropolis and skating on the Traditional Enjoyable Heart, it is not laborious to see why.

This graph answers the question of who has the lowest rates for insuring a vehicle in Orem, UT

Sandy, UT

In case you’re in search of low cost auto insurance coverage in Sandy, we direct your consideration to Bear River, GEICO, Farm Bureau, Progressive, and American Household Insurance coverage Firm. With a median annual charge of $960 for our single male driver, these 5 firms had been $343 or 22% cheaper than the everyday service working in Sandy. With Little Cottonwood Canyon so shut by, mountaineering trails just like the Bell Canyon and Cecret Lake routes are only a hop, skip, and leap away for Sandy residents. The 87,000 individuals who stay right here have a plethora of nature and inexperienced outside house to chill out in, from Dimple Dell Regional Nature Park to the Flat Iron Mesa Park.

As this graph illustrates, Bear River, GEICO, Farm Bureau, Allied, and American Family had the five cheapest rates for car insurance in Sandy.

Finest Rated Auto Insurance coverage Firms in Utah

To find out which firms had been the perfect in Utah, we checked out criticism information submitted by shoppers to the Utah Insurance coverage Division. Their criticism ratio measures the variety of legitimate complaints in opposition to every insurer per $100,000 of premiums underwritten by the corporate. The decrease the criticism ratio, the higher the corporate. By this metric, Auto House owners, Safeco, USAA, Bear River Mutual, and Mid-Century had been the 5 finest automotive insurance coverage firms in Utah. Beneath are the businesses ranked from best-rated to those with the very best share of complaints relative to their market share.

Rank Auto Insurance coverage Firm Earned Premi

ums in UT

Criticism Ratio
1 Auto House owners $20,102,224 zero.000zero
2 Safeco 18,343,179 zero.000zero
Three USAA 47,405,875 zero.000zero
Four Bear River Mutual 67,868,102 zero.0010
5 Mid-Century 149,636,182 zero.0010
6 Allstate 139,913,941 zero.0020
7 Farm Bureau 33,750,676 zero.0030
eight Metro Group 18,008,796 zero.0060
9 Progressive 101,827,957 zero.0060
10 State Farm 226,864,725 zero.0070
11 American Household 60,257,129 zero.0080
12 Liberty Mutual 22,873,791 zero.0090
13 CSAA 21,509,550 zero.0140
14 GEICO 68,760,081 zero.0180

Common Value of Auto Insurance coverage by Metropolis

The typical premiums for the 5 most reasonably priced cities are available 5% beneath the state common. Primarily based on our pattern drivers’ prices of insuring a Toyota Camry, the typical throughout these 5 most cost-effective cities is $1,178. They seem to be a various group, various extensively in inhabitants, from 5,000 to 80,000 in measurement, and are located all around the Beehive State. The 5 costliest cities have a median charge of $1,320. They’re positioned in Salt Lake Metropolis County, comparatively carefully to SLC. The graph under presents the complete record, and ranks the 30+ cities from the bottom common auto insurance coverage charges to the very best.

This graph ranks cities in Utah from those with the lowest auto insurance rates to those with the highest

How We Carried out the Examine

For the examine, we collected premiums for one pattern driver in additional than 30 cities within the state for a 30 yr outdated single male. The instance driver owns his 2011 Toyota Camry autos in full and commute to and from work, utilizing about 12,000 miles a yr. He additionally has a superb credit score historical past and a fantastic driving report – no accidents or visitors violations previously 5 years. The state requires minimal Bodily Harm Legal responsibility safety of $25,000 per particular person, and as much as $65,000 per accident. It additionally requires that drivers are insured for as much as $15,000 for property injury and $Three,000 for no-fault, or private damage, safety. We included nationwide insurers resembling GEICO, Allstate, and State Farm in our examine. Our desk under exhibits the distinction between the required minimums and our examine, the place we assumed primary legal responsibility safety for the Camry.

Insurance coverage Protection Utah Minimal Protection Examine Protection
Bodily Harm (BI) (per particular person / per accident) $25,000 / $65,000 $50,000 / $100,000
Property Harm (PD) 15,000 25,000
Private Harm Safety Three,000* Three,000
Uninsured Motorist BI (per particular person / per accident) 25,000 / 65,000* 50,000 / 100,000

These coverages, whereas normally bundled with insurance policies, could also be rejected in writing

The cities included in our record are introduced under for readers reference in alphabetical order. Displayed subsequent to every metropolis is the typical annual premium, together with how they rank amongst cities with the most cost effective premiums, and their enhance or lower in comparison with the typical price for our pattern drivers within the state.

Rank Metropolis Common Annual Premium Change vs. State Common
15 Bountiful 1229 -1%
eight Brigham Metropolis 1207 -Three%
9 Clearfield 1208 -Three%
25 Draper 1288 Three%
22 Heber 1270 2%
Four Kanab 1199 -Four%
5 Kaysville 1201 -Four%
32 Kearns 1352 9%
12 Layton 1219 -2%
20 Lehi 1263 1%
2 Logan 1163 -7%
13 Midvale 1220 -2%
Three Moab 1197 -Four%
10 Nephi 1211 -Three%
19 Ogden 1260 1%
23 Orem 1278 Three%
17 Park Metropolis 1243 zero%
14 Worth 1223 -2%
21 Provo 1266 2%
11 Richfield 1212 -Three%
29 Riverton 1313 5%
18 Roosevelt 1255 1%
16 Roy 1236 -1%
1 Saint George 1132 -9%
30 Salt Lake Metropolis 1314 6%
28 Sandy 1303 5%
27 South Jordan 1294 Four%
24 Spanish Fork 1281 Three%
26 Springville 1290 Four%
6 Syracuse 1204 -Three%
7 Tooele 1206 -Three%
31 West Jordan 1316 6%

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