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The Scoop On Utah Car Insurance
Here you’ll find everything you need to know from Utah’s average car insurance rates by company to the most popular auto insurance providers so you can find all the information you need faster. If you know you have the “Best Snow on Earth” and can spend time in the desert and mountains all in one day, this page is for you Utahans.
What Are You Looking For?
- Utah’s Cheapest Companies
- How Much Drivers Like You Spend On Auto Insurance
- Utah City Rates
- Most Popular Utah Car Insurance Companies
- Customer Satisfaction Ratings
- Our Recommendation
Utah’s Cheapest Companies
If expensive car insurance makes you as depressed as the winter inversions, cheer up! We found the cheapest options for you based on average drivers. On average, you’ll pay about $1,600 a year on car insurance, but there are also a number of options cheaper than that too. Take a look to see where you might find the cheapest auto coverage in Utah.
| Average Annual Rates | |
|---|---|
| USAA | $983.90 |
| Bear River Mutual Insurance | $1,108.70 |
| GEICO | $1,153.00 |
| Auto Owners Group | $1,376.10 |
| Farmers | $1,396.60 |
*We used a 2011 Chevrolet Malibu LT, 4-door and the profile of a driver with a clean driving record, mid-range credit information, and daily mileage of six to 30 miles to calculate these averages.
How Much Drivers Like You Spend On Auto Insurance
Not an average driver? Check out the specific drivers we calculated premiums for so you can get a better idea of what you’ll pay for Utah car insurance.
Cheapest For Drivers Under 25
USAA is the cheapest for teens and also cheaper than rates for average drivers according to our research. Rates jump by several hundred dollars as you go down the list, so make sure to take a look to see where you can find the cheapest rates as a driver under 25.
| Most Affordable | Average Annual Rate |
|---|---|
| USAA | $1,387.63 |
| Bear River | $1,656.75 |
| Allstate | $1,673.00 |
| GEICO | $1,920.50 |
| Farmers | $1,937.50 |
| Auto Owners Group | $2,031.50 |
| Iowa Farm Bureau | $2,618.50 |
| CSAA | $2,676.00 |
| State Farm | $2,713.00 |
| MetLife | $2,907.50 |
| Progressive | $3,118.63 |
| American Family | $3,252.25 |
| Safeco | $3,666.50 |
Differences In Rates For Young Male and Female Drivers
Guys pay about 20% more for car insurance at this age than their female peers. Based on our research, here’s where you can find the cheapest rates for men and women who are 25 and under in Utah:
Cheapest For Gen X Drivers
Based on research of 39-year old single men and women, we were able to find the cheapest Utah car insurance rates for Generation X drivers. GEICO comes in on top in our study and is also $1,000 cheaper than the most expensive option.
| Most Affordable | Average Annual Rate |
|---|---|
| GEICO | $683.00 |
| Bear River | $755.50 |
| USAA | $767.50 |
| Auto Owners Group | $981.00 |
| Farmers | $994.50 |
| Allstate | $1,014.00 |
| American Family | $1,135.50 |
| Iowa Farm Bureau | $1,162.50 |
| MetLife | $1,176.50 |
| Safeco | $1,218.50 |
| Progressive | $1,325.25 |
| State Farm | $1,339.75 |
| CSAA | $1,477.00 |
Rates for Married Vs Single Drivers
Single and married drivers will pay unique rates. In general, singles pay more for car insurance, Based on our calculations, we found that married drivers pay about 4% less than their single peers (after researching married and single drivers who were 30). If you’re single, Farmers and Progressive are the only car insurance options in Utah that offer lower rates for single drivers.
Cheapest For Driver 65 And Older
After looking at driver profiles of older married couples men and women who were 66 we found that the following companies offer the cheapest rates for this demographic.
| Average Rates | |
|---|---|
| GEICO | $603.00 |
| USAA | $669.50 |
| Bear River | $719.00 |
| Auto Owners Group | $855.50 |
| Farmers | $1,006.50 |
| Safeco | $1,009.50 |
| MetLife | $1,017.00 |
| American Family | $1,038.00 |
| Iowa Farm Bureau | $1,068.00 |
| Progressive | $1,195.00 |
| State Farm | $1,200.75 |
| CSAA | $1,255.50 |
| Allstate | $1,454.50 |
City Rates
During the four hour drive from Draper to St. George, your car insurance rates will drop by over $200 based on our calculations. We don’t mean that yours actually will, just that your fellow Utahan’s in St. George pay less for auto coverage than people in Draper. All insurance companies use location, age, gender, and a ton of other information to decide on premiums for drivers. Take a look at the average city rates across Utah so you’ll have a better guess as to what you might be paying for it where you live.
| Average Rates | |
|---|---|
| St. George | $1,501.43 |
| Roosevelt | $1,588.98 |
| North Ogden | $1,624.25 |
| Draper | $1,727.25 |
Most Popular Utah Car Insurance Companies
Checking out how popular a company is compared to competitors is key to making the right insurance choice. We found that State Farm has the most customers for auto insurance in Utah nearly 20%! The interesting thing to notice here is that State Farm is Utah’s 9th cheapest option. So why are more people buying auto coverage from that company? It could be unseen factors like great customer service of coverage options. Bear River Utah’s second cheapest auto insurance provider based on our averages has a tiny market share. Just consider that when looking at the market share chart below.
| Market Share Percent | Average Annual Rate | |
|---|---|---|
| State Farm | 17.22 | $1,293.42 |
| Allstate | 12.26 | $1,397.83 |
| Farmers | 11.79 | $1,036.00 |
| GEICO | 7.44 | $641.33 |
| Progressive | 7.27 | $1,293.50 |
| Bear River | 5.23 | $743.33 |
| American Family | 4.75 | $1,103.00 |
| USAA | 4.39 | $714.75 |
| Liberty Mutual | 4.1 | N/A |
| Nationwide | 3.55 | N/A |
Customer Satisfaction Ratings
A “complaint index” measures the percentage of customers who complain compared to the amount a company has in that area (market share). Lower numbers indicate less complaints and higher numbers reveal more unhappy customers. Allstate has the best customer complaint index and shows that customers are pretty happy on average. Auto Owners Insurance has the worst, but anything under 1.0 is still very good.
| PREMIUMS | COMPLAINT INDEX | |
|---|---|---|
| Allstate Insurance Company | N/A | 0 |
| Allstate Property & Casualty Insurance | N/A | 0 |
| Progressive Direct Insurance | $1,665.00 | 0 |
| CSAA General Insurance | $1,542.00 | 0 |
| United Services Auto Association | $731.00 | 0 |
| Bear River | $1,103.00 | 0.001 |
| Mid-Century Insurance | $1,121.00 | 0.003 |
| State Farm Fire & Casualty | $1,783.00 | 0.004 |
| State Farm Mutual Automobile Insurance | $1,529.00 | 0.004 |
| GEICO Casualty Insurance | $1,036.00 | 0.004 |
| USAA Casualty Insurance | $847.00 | 0.004 |
| Liberty Mutual Fire Insurance | N/A | 0.005 |
| GEICO General Insurance | N/A | 0.006 |
| Progressive Classic Insurance | $1,763.00 | 0.006 |
| Farm Bureau Property & Casualty | $1,488.00 | 0.006 |
| Allstate Fire & Casualty Insurance | $1,067.00 | 0.006 |
| Safeco | $2,102.00 | 0.009 |
| Metro Group Property & Casualty | $1,599.00 | 0.011 |
| American Family Mutual Insurance | $2,054.00 | 0.012 |
| Auto Owners Insurance | $1,234.00 | 0.023 |
Our Recommendation
We want you to use this data we’ve calculated to come up with a decision that’s right for you. You should choose a car insurance company that’s strong across the board no matter which one you choose.
Bear River, for example, came in second for cheapest pricing, sixth for market share, and sixth for customer service. GEICO and USAA also had great rankings across categories.
If you still need help, there are dedicated agents who can help. Call them now to get a custom quote or help with auto insurance questions.
Where We Found The Facts
All of the numbers you see here were calculated by taking very specific data. If you don’t match up 100% with the information we used, you might get a different car insurance premium. The numbers are merely here to show you what people like you could pay for car insurance in Utah.
Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”
Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!
Source Links:
- https://insurance.utah.gov/auto-home/documents/2015ComparisonTable10-21-2015.pdf