Best St. George, Utah Auto Insurance in 2024 (Compare the Top 10 Companies)
Discover the best St. George, Utah auto insurance, starting at $42 monthly with our best insurers, USAA, Geico, and State Farm. These providers offer competitive rates and robust coverage options, setting them apart for Utah drivers with their comprehensive offerings and strong dedication to customer satisfaction.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Full Coverage in St. George UT
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6,435 reviews
19,116 reviewsCompany Facts
Full Coverage in St. George UT
A.M. Best Rating
Complaint Level
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19,116 reviews
17,759 reviewsCompany Facts
Full Coverage in St. George UT
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
USAA, Geico, and State Farm are the best St. George, Utah auto insurance, distinguished by their comprehensive coverage options, competitive pricing, and outstanding customer service.
Compare auto insurance premiums in St. George with those in Salt Lake City and West Valley City to see how they measure up.
Our Top 10 Company Picks: Best St. George, Utah Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 9% A++ Military Members USAA
#2 12% A++ Affordable Rates Geico
#3 10% B Personalized Policies State Farm
#4 8% A+ Coverage Options Progressive
#5 6% A+ Accident Forgiveness Nationwide
#6 13% A Discount Availability American Family
#7 11% A++ Specialized Coverage Travelers
#8 8% A+ Customer Service Allstate
#9 9% A Customizable Policies Liberty Mutual
#10 10% A+ Organization Discount The Hartford
Before buying, check rates from various providers and enter your ZIP code above for free insurance quotes specific to St. George.
- USAA offers the best St. George, Utah auto insurance, starts at $42/mo.
- Premium provides military-focused insurance and local service
- Customizable coverage and competitive rates are vital factors for auto insurance
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#1 – USAA: Top Overall Pick
Pros
- Competitive Rates: Known for offering some of the best St. George, Utah auto insurance rates, especially for military families, with average bundling discounts of 9%. Check out insurance savings for military members and their families in our complete USAA auto insurance review.
- Excellent Customer Service: Frequently praised for providing the best St. George, Utah auto insurance customer service and support, as evidenced by high satisfaction ratings.
- Comprehensive Coverage: Provides a range of coverage options considered among the best St. George, Utah auto insurance plans, including specialized benefits for military members.
Cons
- Eligibility Restrictions: Limited to military members and their families, which can restrict access to the best St. George, Utah auto insurance for the general public.
- Limited Local Offices: Fewer physical locations may limit access to the best St. George, Utah auto insurance services for those who prefer in-person interactions.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Provides some of the most affordable rates in the best St. George, Utah auto insurance market, with a 12% bundling discount.
- User-Friendly App: The Geico app is recognized as one of the best tools for managing the best St. George, Utah auto insurance policies and claims.
- Wide Range of Discounts: Offers numerous discounts, including for safe driving, making it a top choice for the best St. George, Utah auto insurance. Learn more about Geico’s rates in our Geico auto insurance company review.
Cons
- Customer Service Variability: Service quality can vary, which may impact your experience with the best St. George, Utah auto insurance provider.
- Limited Coverage Options: May not offer all specialized coverage options available from other best St. George, Utah auto insurance providers.
#3 – State Farm: Best for Personalized Policies
Pros
- Personalized Policies: Offers tailored coverage options that are considered among the best St. George, Utah auto insurance policies for individual needs, with a 10% bundling discount.
- Strong Local Presence: Extensive network of agents provides some of the best St. George, Utah auto insurance service and personalized assistance.
- Good Claims Handling: Known for favorable claims processing, contributing to its reputation as one of the best St. George, Utah auto insurance providers. Wondering about their level of customer service? Find out in our State Farm company review.
Cons
- Higher Rates for Some Drivers: May not be the most cost-effective for all, potentially resulting in higher premiums compared to other best St. George, Utah auto insurance options.
- Complex Policy Options: The range of choices can be confusing, which might complicate finding the best St. George, Utah auto insurance for some customers.
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#4 – Progressive: Best for Coverage Options
Pros
- Wide Coverage Options: Provides extensive coverage options, including for high-risk drivers, making it a top contender for the best St. George, Utah auto insurance.
- Name Your Price Tool: This tool allows customers to find the best St. George, Utah auto insurance that fits their budget, with an 8% bundling discount.
- Snapshot Program: Offers discounts for safe driving monitored through a mobile device, helping drivers secure the best St. George, Utah auto insurance rates. Our complete Progressive review goes over this in more detail.
Cons
- Higher Rates for Younger Drivers: Premiums can be higher for younger drivers, which may affect affordability for the best St. George, Utah auto insurance.
- Mixed Customer Service Reviews: Service quality can vary, potentially impacting the overall experience with the best St. George, Utah auto insurance provider.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Offers accident forgiveness, which is considered a valuable feature of the best St. George, Utah auto insurance policies for maintaining a clean driving record.
- Diverse Coverage Options: Provides a wide range of coverage options, including unique add-ons, making it one of the best St. George, Utah auto insurance choices.
- Good Customer Service: Generally receives positive reviews for customer support, contributing to its reputation as one of the best St. George, Utah auto insurance providers.
Cons
- Higher Premiums for Some: May be more expensive for certain drivers, potentially making it less cost-effective for the best St. George, Utah auto insurance.
- Limited Discounts: Fewer discount options compared to competitors might limit potential savings for the best St. George, Utah auto insurance. Read more through our Nationwide auto insurance review.
#6 – American Family: Best for Discount Availability
Pros
- Generous Discount Availability: Offers numerous discounts, including a 13% bundling discount, making it a leading option for the best St. George, Utah auto insurance.
- Strong Customer Service: High marks for customer support enhance its reputation as one of the best St. George, Utah auto insurance providers.
- Innovative Coverage Options: Includes unique options like better car replacement, contributing to its status as one of the best St. George, Utah auto insurance choices. Read our online American Family review to find out more about the company.
Cons
- Higher Rates for Some: Premiums can be on the higher side, potentially affecting affordability for the best St. George, Utah auto insurance.
- Mixed Claims Processing: Some customers report slow claims processing times, which might impact the overall experience with the best St. George, Utah auto insurance.
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#7 – Travelers: Best for Specialized Coverage
Pros
- Specialized Coverage: Provides coverage for unique vehicles, making it a top choice for the best St. George, Utah auto insurance for specialty cars.
- Wide Range of Discounts: Offers various discounts, including an 11% bundling discount, enhancing its status as one of the best St. George, Utah auto insurance providers.
- Flexible Coverage Options: Allows policy customization, making it easier to find the best St. George, Utah auto insurance to meet specific needs. Read our full review of Travelers insurance for more information.
Cons
- Customer Service Variability: Service quality can be inconsistent based on location, potentially affecting satisfaction with the best St. George, Utah auto insurance.
- Potentially Higher Rates: Premiums may be higher compared to some competitors, which could impact affordability for the best St. George, Utah auto insurance.
#8 – Allstate: Best for Customer Service
Pros
- Exceptional Customer Service: Known for high-quality service, Allstate is recognized as one of the best St. George, Utah auto insurance providers.
- Comprehensive Coverage Options: Offers a wide range of options and add-ons, making it a strong contender for the best St. George, Utah auto insurance.
- Numerous Discounts: Provides various discounts, including an 8% bundling discount, helping to make it one of the best St. George, Utah auto insurance choices. Find more information about Allstate’s rates in our review of Allstate insurance.
Cons
- Higher Premiums for Some: Can be more expensive for certain drivers, which might affect affordability for the best St. George, Utah auto insurance.
- Complex Policy Structure: The wide range of options can be overwhelming, potentially complicating the search for the best St. George, Utah auto insurance.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Offers flexible options, making it a top choice for the best St. George, Utah auto insurance that can be tailored to individual needs.
- Good Customer Support: Generally positive reviews for customer service, contributing to its reputation as one of the best St. George, Utah auto insurance providers.
- Multiple Discounts: Includes various discounts, such as a 9% bundling discount, helping to make Liberty Mutual a leading option for the best St. George, Utah auto insurance.
Cons
- Higher Premiums: May have higher rates compared to some competitors, impacting affordability for the best St. George, Utah auto insurance.To see monthly premiums and honest rankings, read our Liberty Mutual review.
- Inconsistent Claims Handling: Customer experiences with claims processing can vary, which may affect satisfaction with the best St. George, Utah auto insurance.
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#10 – The Hartford: Best for Organization Discount
Pros
- Lifetime Renewability: Guarantees policy renewal for as long as you’re able to drive, which adds to its appeal as one of the best St. George, Utah auto insurance options for long-term stability.
- Bundle and Save: Provides significant savings when bundling auto and home insurance policies, further establishing it as a top contender for the best St. George, Utah auto insurance. Learn more through our The Hartford auto insurance review.
- Accident Forgiveness: Includes accident forgiveness for qualifying drivers, which helps maintain your rates, reinforcing its reputation as one of the best St. George, Utah auto insurance providers.
Cons
- Limited Availability for Non-AARP Members: Some of the best benefits and discounts are only available to AARP members, which might limit the value for other customers seeking the best St. George, Utah auto insurance.
- Less Competitive for Younger Drivers: The Hartford’s rates and discounts are primarily geared toward older drivers, which might make it less competitive for younger individuals searching for the best St. George, Utah auto insurance.
Essential Auto Insurance Requirements in St. George, Utah
In St. George, Utah, the state’s auto insurance laws mandate that drivers carry a minimum level of coverage to ensure financial responsibility in the event of an accident.
St. George, Utah Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $50 $135
American Family $47 $130
Geico $45 $120
Liberty Mutual $53 $140
Nationwide $48 $130
Progressive $46 $125
State Farm $49 $125
The Hartford $52 $145
Travelers $47 $132
USAA $42 $115
Specifically, Utah law requires that all motorists have at least the following minimum auto insurance coverage: $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage.
This coverage is designed to protect drivers from significant financial burdens resulting from accidents, whether they are at fault or not. By adhering to these minimum insurance requirements, drivers in St. George can ensure they meet legal obligations and are financially protected on the road.
For example, examining the monthly cost of insurance across various ZIP codes in St. George can reveal which areas offer more competitive rates.
Typically, areas with lower crime rates and less traffic congestion may offer more affordable auto insurance rates, whereas neighborhoods with higher risks could see higher premiums.
By understanding these regional differences, drivers can make more informed choices and potentially save on their insurance premiums. Enter your ZIP code now to begin comparing.
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Top Picks: Most Affordable Auto Insurance in St. George, Utah
When searching for the most affordable auto insurance in St. George, Utah, it’s crucial to understand how insurance providers determine rates to make an informed choice.
Begin by comparing the top contenders in each category to find the best rates that suit your specific needs. Insurance companies evaluate factors such as liability, collision, and comprehensive coverage, as well as discounts for safe driving, multi-policy bundling options, and customer service quality.
Additionally, consider how each company’s financial stability and claims process efficiency impact their rates. By thoroughly assessing these aspects, you can identify which provider offers the most cost-effective and comprehensive insurance plan tailored to your circumstances in St. George.
Evaluating St. George, Utah Auto Insurance Quotes
When evaluating auto insurance quotes in St. George, Utah, it’s crucial to thoroughly compare rates from various insurance companies to ensure you get the best deal possible.
Factors such as auto insurance rates by age can significantly impact your premium, so understanding how your age affects the cost is essential. By doing so, you can find a policy that offers the right coverage for your needs at a competitive price.
Michelle Robbins
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Taking the time to compare multiple quotes can help you make an informed decision and secure the most suitable auto insurance for your vehicle and personal circumstances. Start by entering your ZIP code below to receive free auto insurance quotes tailored to St. George.
Frequently Asked Questions
What should I remember about auto insurance in St. George, UT?
Remember that the minimum auto insurance required in St. George, UT is 25/65/15.
The cheapest auto insurance company in St. George is USAA. The average commute length in St. George is 15.1 minutes.
Can auto insurance rates vary by ZIP code in St. George, UT?
Yes, auto insurance rates can vary by ZIP code in St. George, UT.
Factors such as population density, crime rates, and accident statistics in a specific area can influence insurance rates. Enter your ZIP code now to begin.
How does credit history affect auto insurance rates in St. George, UT?
Credit history can affect auto insurance rates in St. George, UT, with poor credit often leading to higher rates and good credit resulting in lower premiums.
It’s important to note that auto insurance for men vs. women may also vary, as insurers sometimes use gender alongside credit history to determine rates.
Different insurance companies may weigh these factors differently, impacting the final cost of your coverage.
Can I exclude a high-risk driver from my auto insurance policy in St. George?
Some insurance companies may allow you to exclude a high-risk driver from your policy, but this decision can vary among providers.
It’s best to consult with your insurance company to understand their specific policies.
What is the average auto insurance rate in St. George, UT?
The average auto insurance rate in St. George, UT is $277 per month. Enter your ZIP code now to begin.
What is the minimum auto insurance coverage required in St. George, UT?
The minimum auto insurance coverage required in St. George, UT is 25/65/15, which means $25,000 for bodily injury liability coverage per person, $65,000 for bodily injury liability auto insurance coverage per accident, and $15,000 for property damage liability coverage.
How does The Hartford’s lifetime renewability benefit contribute to its standing as the best St. George, Utah auto insurance provider?
The Hartford’s lifetime renewability benefit ensures that as long as you meet basic requirements, your auto insurance policy won’t be canceled, making it a secure option for long-term coverage in St. George, Utah.
This feature is particularly appealing to drivers who value stability and reliability in their auto insurance provider.
What are the specific advantages AARP members receive with The Hartford’s best St. George, Utah auto insurance?
AARP members receive exclusive discounts and benefits with The Hartford’s auto insurance, making it one of the best options in St. George, Utah for senior drivers.
These perks include savings on premiums and additional services tailored to the needs of older drivers. Enter your ZIP code now to begin.
Why might The Hartford be less appealing for younger drivers seeking the best St. George, Utah auto insurance?
Younger drivers in St. George, Utah might find The Hartford less appealing due to potentially higher premiums and a lack of specialized discounts for this age group.
However, by exploring other providers, they could discover cheap online auto insurance quotes that offer better rates and tailored coverage options specifically designed to meet their needs.
How does bundling home and auto policies with The Hartford enhance its reputation as the best St. George, Utah auto insurance?
Bundling home and auto policies with The Hartford can lead to significant savings, reinforcing its status as one of the best auto insurance providers in St. George, Utah.
This combined coverage not only reduces costs but also simplifies policy management for customers.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
