Car Insurance with Bad Credit in Utah (2026)
Quick Answer
Bad credit in Utah increases car insurance by 49%, raising full coverage from $1,836/year to $2,736/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$153/mo
Poor Credit (1.49x)
$228/mo
Best Companies for Bad Credit in Utah
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $169/mo | $2,025/yr | Military families |
| Erie Insurance | $180/mo | $2,161/yr | Rate lock guarantee |
| GEICO | $187/mo | $2,244/yr | Clean driving record |
| Progressive | $201/mo | $2,408/yr | Telematics savings |
| State Farm | $207/mo | $2,490/yr | Good students |
| Travelers | $217/mo | $2,599/yr | Multiple discounts |
| Nationwide | $237/mo | $2,845/yr | Bundling home + auto |
| Farmers | $246/mo | $2,955/yr | Signal telematics |
| Allstate | $255/mo | $3,064/yr | Accident forgiveness |
| Liberty Mutual | $269/mo | $3,228/yr | New car replacement |
USAACheapest
Monthly
$169/mo
Annual
$2,025/yr
Best for: Military families
Erie Insurance
Monthly
$180/mo
Annual
$2,161/yr
Best for: Rate lock guarantee
GEICO
Monthly
$187/mo
Annual
$2,244/yr
Best for: Clean driving record
Progressive
Monthly
$201/mo
Annual
$2,408/yr
Best for: Telematics savings
State Farm
Monthly
$207/mo
Annual
$2,490/yr
Best for: Good students
Travelers
Monthly
$217/mo
Annual
$2,599/yr
Best for: Multiple discounts
Nationwide
Monthly
$237/mo
Annual
$2,845/yr
Best for: Bundling home + auto
Farmers
Monthly
$246/mo
Annual
$2,955/yr
Best for: Signal telematics
Allstate
Monthly
$255/mo
Annual
$3,064/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$269/mo
Annual
$3,228/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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