Tuesday, 19 February 2019

Best Car Insurance Rates in Utah

Depending on where drivers live in Utah, the cost of auto insurance averaged $1,245 per year according to our research.The biggest factor affecting auto insurance quotes in Utah was which insurer they picked. Quotes from the most expensive carrier cost 68% or $1,414 more than the cheapest company in Utah. Our report below summarizes where we found the lowest rates for car insurance in Utah by state and by each of the 32 cities, including Salt Lake City, Provo, and West Jordan, etc.

Cheapest Auto Insurance Companies
Best Car Insurance Rates: by City
Best Auto Insurance Companies in UT
Average Cost of Auto Insurance: by City
Cheapest Auto Insurance in Utah
Based on our male driver, we found the three cheapest rates for car insurance in Utah at Bear River Mutual, GEICO, and Farm Bureau Mutual. Progressive and American Family round out the top five most affordable carriers here. The average cost of insuring a Toyota Camry at the three cheapest companies was $804 - 35% below the state mean. We'd recommend including any one of these companies, as well as comparing at least three quotes, when you're looking for low-cost auto insurance in Utah.

This graph shows where to find the cheapest car insurance companies in the Beehive State
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Bear River Mutual: We found the cheapest rates for car insurance in Utah at Bear River - by about 47% lower compared to the state mean for our 30 year old sample male driver. Bear River Mutual is a local insurer that operates as a mutual company, where its customers are also its owners. Any traditional profits are supposed to get funneled back to the policyholders via lower rates. It operates through independent agencies, with about six agencies in Salt Lake City, two in West Valley City, six in Provo, and a handful more scattered across the Beehive State.

GEICO: GEICO generally ranks as one of the most affordable insurers in our nation-wide studies. In Utah, our single male driver saw an average rate that was about 36% cheaper than what the typical insurer quoted - that shaves about $454 off on auto insurance costs a year. While they're predominantly an online company that handles most of their business and quoting through their website, they do have one local agent stationed in Salt Lake City for consumers who prefer in-person interactions.

Farm Bureau: Farm Bureau Mutual was the third cheapest auto insurance company in Utah. Rates for a basic policy averaged just shy of $950 a year for our example driver, who had excellent driving records and good credit. One thing to note about Farm Bureau is that they require membership in order to be eligible for their insurance products, and the dues are $65 a year. While the $65 membership fee makes the average annual rate higher than Allied's, there are some benefits that accompany it, such as discounts to car rentals and AAA membership.

Check out the table below for a list of the 12 Utah auto insurers we studied. They're listed from the most affordable rates we found for our benchmark drivers to the highest. Your actual rates will differ based on your driver profile.

City Auto Insurance Company Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham City 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 Family $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 City Bear River $636
GEICO $753
Farm Bureau Mutual $984
Price 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 City 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
Show All Rows
Minimum Auto Insurance Requirements in Utah
The rates we cite above reflect a driver getting full coverage insurance. For cheaper rates, drivers can opt instead for the state minimum which are the following:

$25,000 per person/$65,000 per accident of bodily injury liability
$15,000 of property damage liability per incident
$3,000 personal injury protection (PIP) per person
Cheapest Car Insurance in Utah: by City
We analyzed quotes across 10 companies in 32 cities in Utah, and present in the table below which companies had the three best car insurance rates in each location. For the most part, Bear River and GEICO dominated as the cheapest and 2nd cheapest insurer in each city, respectively. Farm Bureau and Progressive alternated with the third best rates depending on the city. Even in Kearns, West Jordan, and Salt Lake City, which ranked with three of the most expensive rates out of Utah, there's still opportunity to save by shopping for quotes.

City Auto Insurance Company Annual Premium
Bountiful Bear River $648
GEICO $805
Farm Bureau Mutual $888
Brigham City 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 Family $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 City Bear River $636
GEICO $753
Farm Bureau Mutual $984
Price 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 City 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
Show All Rows
Salt Lake City, UT
Salt Lake City ranked as the third most expensive city with an average rate that is 6% higher than the state average. The average premium here for our sample driver was $1,314. The capital and the most populous city in Utah, SLC was founded by Brigham Young and other Mormon followers in 1847 and is the headquarters for the Church of the Latter Day Saints. The happiest snowflakes fall in Utah, as ads for the city have proclaimed, and ardent skiers no doubt have visited runs at Park City and Canyons Resort, or Snowbird and Alta. CNN calls Salt Lake City the “least stressed-out city in the U.S.” due to its job opportunities and low cost of living - perhaps with the exception of auto insurance.

For the best car insurance rates in Salt Lake City, we'd recommend getting quotes from Bear River, GEICO, and Farm Bureau. The cost of insuring a Toyota Camry at these three companies was the lowest for the sample driver that we obtained quotes for. Rates averaged $792, and were $523 cheaper compared to the typical insurer in SLC. Progressive and American Family help to round out the five best rates here. In total, the five companies quoted a mean annual premium of $942 for our sample profile, which came out to being 28% lower than the SLC average.

This graph shows which companies in SLC had the best rates for auto insurance for our two sample drivers
Provo, UT
To get the cheapest quotes for car insurance in Provo, we suggest starting at Bear River Mutual, GEICO, and Farm Bureau. From our data set, rates from these three carriers were about $801 or 36% cheaper for our driver’s vehicles compared to the other insurers here. Bear River and Farm Bureau are great for Utah locals who prefer having one point of contact for their insurance needs, and GEICO would be great for people looking for a simple and quick online quote. The city of Provo is home to about 116,000 Utahns, including pop culture figures such as actress Julianne Hough, the Osmond family, and Imagine Dragons. It also is the site of Brigham Young University, one of the largest private universities in the U.S. with an estimated 34,000 student body.

This column graph ranks the five auto insurers with the cheapest quotes in Provo
West Jordan, UT
Also located in Salt Lake County, West Jordan ranks as the second most expensive city for auto insurance in the state. The city was founded in 1850, when the first sawmill was built in the area. Its population has grown exponentially since the 1970s, and today includes students at the Salt Lake Community College and Broadview University. Our example driver saw rates averaging $1,316 per year to insure their vehicles. Although rates here are 6% higher than the state mean, drivers can still save on their costs. We found the five most affordable car insurance rates in West Jordan at Bear River, GEICO, Farm Bureau Mutual, Progressive, and American Family. Compared to the 10-company composite of $1,245, these five insurers cost about $976 on average. That's savings of 22% for our benchmark driver - equal to $269 back in 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 lowest auto insurance rates in Orem? We compared rates across 10 carriers underwriting in Orem, and that distinction went to Bear River, GEICO, and Farm Bureau. Rates ranged from $660 to $936 for our typical single male driver in Orem for the three most affordable companies. Your rates will differ significantly, because our driver had excellent blemish-free rates in the past five years and a good credit history. Nevertheless, we recommend these three, along with Progressive and American Family as a starting point when you're thinking about where to get quotes from for low-cost auto insurance. About a 40-mile drive from Salt Lake City, Orem's population is 88,000. It's located at the base of the Wasatch Mountains, and near the banks of the Utah Lake. Forbes has recognized it as a great place to raise a family, and from outdoor activities in nearby Provo Canyon to kid-friendly spots like Nickel City and skating at the Classic Fun Center, it's not hard to see why.

This graph answers the question of who has the lowest rates for insuring a vehicle in Orem, UT
Sandy, UT
If you're looking for cheap auto insurance in Sandy, we direct your attention to Bear River, GEICO, Farm Bureau, Progressive, and American Family Insurance Company. With an average annual rate of $960 for our single male driver, these five companies were $343 or 22% cheaper than the typical carrier operating in Sandy. With Little Cottonwood Canyon so close by, hiking trails like the Bell Canyon and Cecret Lake routes are just a hop, skip, and jump away for Sandy residents. The 87,000 people who live here have a plethora of nature and green outdoor space to relax 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.
Best Rated Auto Insurance Companies in Utah
To determine which companies were the best in Utah, we looked at complaint data submitted by consumers to the Utah Insurance Department. Their complaint ratio measures the number of valid complaints against each insurer per $100,000 of premiums underwritten by the company. The lower the complaint ratio, the better the company. By this metric, Auto Owners, Safeco, USAA, Bear River Mutual, and Mid-Century were the five best car insurance companies in Utah. Below are the companies ranked from best-rated to the ones with the highest share of complaints relative to their market share.

Rank

Auto Insurance Company Earned Premiums in UT Complaint Ratio
1

Auto Owners $20,102,224 0.0000
2

Safeco 18,343,179 0.0000
3

USAA 47,405,875 0.0000
4

Bear River Mutual 67,868,102 0.0010
5

Mid-Century 149,636,182 0.0010
6

Allstate 139,913,941 0.0020
7

Farm Bureau 33,750,676 0.0030
8

Metro Group 18,008,796 0.0060
9

Progressive 101,827,957 0.0060
10

State Farm 226,864,725 0.0070
11

American Family 60,257,129 0.0080
12

Liberty Mutual 22,873,791 0.0090
13

CSAA 21,509,550 0.0140
14

GEICO 68,760,081 0.0180
Average Cost of Auto Insurance by City
The average premiums for the five most affordable cities come in 5% under the state average. Based on our sample drivers' costs of insuring a Toyota Camry, the average across these five cheapest cities is $1,178. They're a diverse group, varying widely in population, from 5,000 to 80,000 in size, and are situated all over the Beehive State. The five most expensive cities have an average rate of $1,320. They are located in Salt Lake City County, relatively closely to SLC. The graph below presents the entire list, and ranks the 30+ cities from the lowest average auto insurance rates to the highest.

This graph ranks cities in Utah from those with the lowest auto insurance rates to those with the highest
How We Conducted the Study
For the study, we collected premiums for one sample driver in more than 30 cities in the state for a 30 year old single male. The example driver owns his 2011 Toyota Camry vehicles in full and commute to and from work, using about 12,000 miles a year. He also has a good credit history and a great driving record - no accidents or traffic violations in the past five years. The state requires minimum Bodily Injury Liability protection of $25,000 per person, and up to $65,000 per accident. It also requires that drivers are insured for up to $15,000 for property damage and $3,000 for no-fault, or personal injury, protection. We included national insurers such as GEICO, Allstate, and State Farm in our study. Our table below shows the difference between the required minimums and our study, where we assumed basic liability protection for the Camry.

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