Cheapest Car Insurance in Utah (2026)
GEICO leads minimum coverage at $31/month. Utah drivers pay an average of $145/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.
Updated May 1, 2026 · WebSearch-verified state minimums (25/65/15 + $3K PIP — no-fault state with unusual aggregate BI minimum), average costs, and cheapest-carrier rankings.
Quick Answer — Utah
- Minimum coverage required: 25/65/15 + $3K PIP — no-fault state with unusual aggregate BI minimum
- Avg full coverage cost: $145/month ($1,741/year)
- Cheapest carrier (minimum): GEICO — $31/mo avg
- Cheapest carrier (full coverage): GEICO (or USAA for military) — $79/mo avg
What's special about car insurance in Utah
- No-fault state with $3K mandatory PIP
- Unusual aggregate BI minimum (65/accident vs typical 50)
- Allows credit-based insurance pricing
- Below-national-average rates overall — competitive carrier landscape
Utah car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 25/65/15 + $3K PIP — no-fault state with unusual aggregate BI minimum | — | — |
| Avg minimum coverage cost | $60/mo | $720/yr | — |
| Avg full coverage cost | $145/mo | $1,741/yr | — |
| Cheapest carrier (minimum) | GEICOBest | $31/mo | $372/yr |
| Cheapest carrier (full coverage) | GEICO (or USAA for military)Best | $79/mo | $948/yr |
Which carrier should Utah drivers pick?
Match your situation to the right carrier. Utah-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverage→ GEICOCheapest in Utah at $31/mo.
- You want full coverage at the lowest price→ GEICO (or USAA for military)$79/mo full coverage in Utah. USAA cheapest for military; American Family also competitive in Utah
- You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Get a free Utah quote in 15 minutes
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$31/mo
Cheapest minimum coverage
$145/mo
State avg full coverage
25/65/15 + $3K PIP
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
WalletGrower is independently owned and operated. We maintain editorial independence from our affiliate partners.
Methodology & sources
All Utah data on this page was WebSearch-verified May 2026 against the Utah insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
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