2021 Annual
Private Passenger Automobile & Homeowners
Insurance Comparison Tables
The comparison tables provide examples of four zip codes in Utah. The zip codes used in the comparison samples
are; 84660 – Spanish Fork, 84511 Blanding, 84642 Manti, 84335 - Smithfield. Look at the comparisons for the zip
code that is most similar to where you live. A comparison table of earthquake premium is located on page 7.
The insurance companies providing information for this comparison are the top 20 companies based on the highest
volume of homeowners and private passenger auto insurance premiums in Utah. This list is NOT A
"RECOMMENDATION" by the Insurance Department. Your insurance professional can provide you with a
premium quote to fit your circumstances. Consumers are cautioned that price is not the only factor to consider when
choosing an insurance company. You should also consider the service provided by the company and the agent, the
financial stability of the company, as well as the available coverages. Most insurers use their own credit criteria to
determine premium and eligibility. Your premium will also vary based on eligible credits and/or discounts,
surcharges, and additional coverages you select. Your insurance professional can advise you about additional
coverages, available credits and/or discounts for your situation. If you decide to change companies make sure the
coverage is the same or better. To avoid possible early cancellation charges, the best time to change companies is on
your renewal date. Check with your current company to determine potential additional amounts owed and early
cancellation charges.
Loss & Expense Ratios
In general terms, the loss ratio is, losses paid compared to premiums. The expense ratio is, administrative expense
compared to premiums. The combined loss and expense ratio is, losses paid combined with administrative expenses
compared to premiums. If the combined loss and expense ratio is more than 1.000 it means the company has paid out
more for claims and expenses than it collected in premiums. Example: a ratio of 1.150 means the company paid out
$1.15 for every $1.00 of premium received.
Complaint Ratio
By statute the Utah Insurance Department is required to calculate a complaint ratio for each company in the table.
Showing a ratio rather than the actual number of complaints levels the playing field between the companies.
Companies with a larger portion of the market are expected to have more complaints than companies with a smaller
amount of the market. Comparing the number of complaints is like comparing apples to oranges. The ratio gives a
comparison of apples to apples. The Department reviews complaints from consumers to determine whether there
was a violation of Utah Code or Rules. Complaints opened in 2020, determined to be valid, are used to calculate the
complaint ratio for each company. The ratio calculation is based on the valid complaints per $100,000 of earned
premium.
This is how a complaint ratio is calculated for a sample company with 10 complaints and $20,000,000 earned premium:
Step 1: 20,000,000/100,000 = 200
Step 2: 10 ÷ 200 = 0.0500 (complaint ratio per $100k earned premium, similar to ratios shown in the tables)
Reversing the formula shown will give the actual number of complaints for a company.
Step 1: 20,000,000/100,000 = 200
Step 2: 0.0500 x 200 = 10 (number of complaints calculated by reversing the formula) 1
2021
As required by law, the Utah Insurance Department has prepared this guide to auto
and homeowners insurance. This annual guide provides general information about
auto and homeowners insurance, and about some of the insurance companies that
write this coverage in Utah. It is hoped this will be helpful to you.
Taylorsville State Office Building
4315 S 2700 W STE 2300
Taylorsville, UT 84129
(801)957-9305
(800)439-3805 (toll free in Utah)
http://www.insurance.utah.gov
State of Utah
Insurance Department
Jonathan T. Pike
Commissioner
HOMEOWNERS INSURANCE
Homeowner premiums can vary according to the age of the home, location, condition and your credit information.
Eligibility requirements and premium for coverage may be determined by previous loss experience and age of the
dwelling. Other factors may also be considered.
Your home policy consists of these types of coverage: your home (dwelling), the contents, and your liability to
others. For more definitions of coverage types and optional coverages see page 6.
Our comparison table shows three types of homeowners policies:
1) Homeowner: the most common owner-occupied homeowners policy insuring the dwelling,
personal property and liability of the owner.
2) Renters: insuring the personal property and liability of tenants.
3) Condominium Unit Owner: insures personal property and liability of the unit owner. Coverage should
include the association’s insurance deductible for which the unit owner is responsible. [U.C.A. 57-8-43]
The examples included in this comparison assume that the dwelling is ten years old and located in a fire protection
class of one through six. Unless otherwise noted, the policy has a $1000 deductible. The personal liability limit is
$300,000. Medical payment limit is $1,000. Higher limits may be available through your insurance company.
The
Department of Insurance does not recommend limits of coverage.
No discounts or special coverages are included.
(The Insurance Department Does Not SET Homeowners Insurance Rates.)
2021 Annual Homeowners Insurance Comparison Table
Zip Code 84660 Spanish Fork
Premium for 1-year policy (2021 rates)
Insurance Company
Home
$250,000
Brick
Home
$250,000
Frame
Renters
HO-4
Condo
Unit
HO-6
Earned
Premium
(Utah)
Complaint
Ratio per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Exp.
Ratio
State Farm Fire & Cas Co $729 $808 $177 $331 $104,220,547 0.000 0.971
Bear River Mut Ins Co 425 440 115 159 48,196,273 0.000 0.955
Farmers Ins Exch (a) 575 529 44,337,541 0.000 1.046
Auto Owners Ins Co 959 990 261 582 26,962,626 0.004 0.956
Allstate Vehicle & Prop Ins Co + 683 702 26,653,546 0.000 0.930
Fire Ins Exchange + 19,428,522 0.000 1.101
United Services Auto Assn 2,001 1,731 473 569 16,729,853 0.003 0.904
Allstate Prop & Cas Ins Co + 16,071,668 0.000 0.883
Liberty Mutual Personal Ins Co 1,047 1,039 473 712 5,780,207 0.034 0.628
USAA Cas Ins Co 2,185 1,913 457 512 14,937,337 0.002 0.846
Farm Bureau Property Casualty Ins Co (b) 1,117 1,124 250 204 14,453,934 0.007 1.019
CSE SafeGuard (c) 364 400 174 237 13,619,581 0.000 1.198
Safeco Insurance Co of America 819 852 111 154 13,140,076 0.008 0.755
Travelers Personal Ins Co 829 848 165 369 12,510,514 0.000 1.120
Allstate Indemnity Co + 174 240 11,539,184 0.009 0.933
American Family Mutual Ins co of SI 10,575,802 0.000 1.245
Pacific Indemnity Co (d) 305 479 10,305,534 0.000 1.201
Travelers Home & Marine Ins Co 846 864 153 501 9,356,542 0.000 0.944
CSAA Fire & Casualty Ins Co 813 839 139 435 8,838,992 0.000 0.989
Allstate Insurance Co + 8,227,628 0.000 0.760
A blank cell indicates this company is no longer writing this type of policy as new business, or has never written this type of
policy. An affiliated company may write it.
+ The companys does not offer earthquake insurance.
(a) This company no longer writes new business for HO 4 or HO 6
(b) Uses a lower other structures limits.
(c) Must qualify for the preferred homeowners program
(d) Only writes policies with coverage A of $750,000.00 or higher
2
Homeowners Table (continued)
Zip Code 84511 Blandin
g
Premium for 1-year policy (2021
rates)
Insurance Company
Home
$250,000
Brick
Home
$250,000
Frame
Renters
HO-4
Condo
Unit
HO-6
Earned
Premium
(Utah)
Complaint
Ratio per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Exp.
Ratio
State Farm Fire & Cas Co
$931 $1,034 $167 $312 $104,220,547 0.000 0.971
Bear River Mut Ins Co
457 473 115 159 48,196,273 0.000 0.955
Farmers Ins Exch (a)
506 476 44,337,541 0.000 1.046
Auto Owners Ins Co
1,010 1,048 261 561 26,962,626 0.004 0.956
Allstate Vehicle & Prop Ins Co +
827 850 26,653,546 0.000 0.930
Fire Ins Exchange +
19,428,522 0.000 1.101
United Services Auto Assn
1,668 1,511 425 599 16,729,853 0.003 0.904
Allstate Prop & Cas Ins Co +
16,071,668 0.000 0.883
Liberty Mutual Personal Ins Co
1,049 1,039 427 625 5,780,207 0.034 0.628
USAA Cas Ins Co
1,841 1,684 409 545 14,937,337 0.002 0.846
Farm Bureau Property Casualty Ins Co (b)
1,135 1,146 267 209 14,453,934 0.007 1.019
CSE SafeGuard (c)
317 348 174 237 13,619,581 0.000 1.198
Safeco Insurance Co of America
935 977 142 202 13,140,076 0.008 0.755
Travelers Personal Insurance Co
869 906 168 312 12,510,514 0.000 1.120
Allstate Indemnity Co +
174 232 11,539,184 0.009 0.933
American Family Mutual Ins co of SI
10,575,802 0.000 1.245
Pacific Indemnity Co (d)
305 478 10,305,534 0.000 1.201
Travelers Home & Marine InsCo
1,051 1,220 148 547 9,356,542 0.000 0.944
CSAA Fire & Casualty Ins Co
872 901 141 405 8,838,992 0.000 0.989
Allstate Ins Co +
8,227,628 0.000 0.760
3
A blank cell indicates this company is no longer writing this type of policy as new business, or has never written this type of
policy. An affiliated company may write it.
+ The companys does not offer earthquake insurance.
(a) This company no longer writes new business for HO 4 or HO 6
(b) Uses a lower other structures limits.
(c) Must qualify for the preferred homeowners program
(d) Only writes policies with coverage A of $750,000.00 or higher
Homeowners Table (continued)
Zip Code 84642 Manti
Premium for 1-year policy (2021 rates)
Insurance Company
Home
$250,000
Brick
Home
$250,000
Frame
Renters
HO-4
Condo
Unit
HO-6
Earned
Premium
(Utah)
Complaint
Ratio per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Exp. Ratio
State Farm Fire & Cas Co
$826 $917 $167 $312 $104,220,547 0.000 0.971
Bear River Mut Ins Co
457 473 115 159 48,196,273 0.000 0.955
Farmers Ins Exch (a)
474 445 44,337,541 0.000 1.046
Auto Owners Ins Co
1,230 1,287 261 582 26,962,626 0.004 0.956
Allstate Vehicle & Prop Ins Co +
763 782 26,653,546 0.000 0.930
Fire Ins Exchange +
19,428,522 0.000 1.101
United Services Auto Assn
1,981 1,747 425 623 16,729,853 0.003 0.904
Allstate Prop & Cas Ins Co +
16,071,668 0.000 0.883
Liberty Mutual Personal Ins Co
1,094 1,085 427 625 5,780,207 0.034 0.628
USAA Cas Ins Co
2,189 1,954 409 563 14,937,337 0.002 0.846
Farm Bureau Property Casualty Ins Co (b)
1,053 1,062 249 195 14,453,934 0.007 1.019
CSE SafeGuard (c)
308 337 174 237 13,619,581 0.000 1.198
Safeco Ins Co of America
1,024 1,074 142 202 13,140,076 0.008 0.755
Travelers Personal Ins Co
906 935 157 232 12,510,514 0.000 1.120
Allstate Indemnity Co +
174 259 11,539,184 0.009 0.933
American Family Mutual Ins co of SI
10,575,802 0.000 1.245
Pacific Indemnity Co (d)
305 479 10,305,534 0.000 1.201
Travelers Home & Marine Ins Co
874 916 160 529 9,356,542 0.000 0.944
CSAA Fire & Casualty Ins Co
819 845 142 409 8,838,992 0.000 0.989
Allstate Ins Co +
8,227,628 0.000 0.760
4
A blank cell indicates this company is no longer writing this type of policy as new business, or has never written this type of
policy. An affiliated company may write it.
+ The companys does not offer earthquake insurance.
(a) This company no longer writes new business for HO 4 or HO 6
(b) Uses a lower other structures limits.
(c) Must qualify for the preferred homeowners program
(d) Only writes policies with coverage A of $750,000.00 or higher
Homeowners Table (continued)
A blank cell indicates this company is no longer writing this type of policy as new business, or has never written this type of
policy. An affiliated company may write it.
+ The companys does not offer earthquake insurance.
(a) This company no longer writes new business for HO 4 or HO 6
(b) Uses a lower other structures limits.
(c) Must qualify for the preferred homeowners program
(d) Only writes policies with coverage A of $750,000.00 or higher
5
Zip Code 84335 Smithfield
Premium for 1-year policy (2021 rates)
Insurance Company
Home
$250,000
Brick
Home
$250,000
Frame
Renters
HO-4
Condo
Unit
HO-6
Earned
Premium
(Utah)
Complaint
Ratio per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Exp.
Ratio
State Farm Fire & Cas Co
$846 $939 $144 $315 $104,220,547 0.000 0.971
Bear River Mut Ins Co
457 473 115 159 48,196,273 0.000 0.955
Farmers Ins Exch (a)
543 509 44,337,541 0.000 1.046
Auto Owners Ins Co
1,028 1,068 261 582 26,962,626 0.004 0.956
Allstate Vehicle & Prop Ins Co +
670 689 26,653,546 0.000 0.930
Fire Ins Exchange +
19,428,522 0.000 1.101
United Services Auto Assn
1,768 1,565 419 557 16,729,853 0.003 0.904
Allstate Prop & Cas Ins Co +
16,071,668 0.000 0.883
Liberty Mutual Personal Ins Co
1,036 1,030 427 625 5,780,207 0.034 0.628
USAA Cas Ins Co
1,950 1,747 403 507 14,937,337 0.002 0.846
Farm Bureau Property Casualty Ins Co (b)
1,075 1,084 256 200 14,453,934 0.007 1.019
CSE SafeGuard (c)
349 382 174 237 13,619,581 0.000 1.198
Safeco Ins Co of America
816 848 111 141 13,140,076 0.008 0.755
Travelers Personal Ins Co
830 855 160 274 12,510,514 0.000 1.120
Allstate Indemnity Co +
174 232 11,539,184 0.009 0.933
American Family Mutual Ins co of SI
10,575,802 0.000 1.245
Pacific Indemnity Co (d)
305 479 10,305,534 0.000 1.201
Travelers Home & Marine Ins Co
865 889 136 495 9,356,542 0.000 0.944
CSAA Fire & Casualty Ins Co
769 791 140 402 8,838,992 0.000 0.989
Allstate Ins Co +
8,227,628 0.000 0.760
Common Coverages in a Homeowners Policy
Dwelling – Covers damage to your house and structures attached to your house. (Coverage A)*
Other Structures – Pays for damage to fences, sheds, unattached garages and other structures not attached to your
house. (Coverage B)*
Personal Property – Reimburses you for the value of your possessions, including furniture, electronics, appliances
and clothing, damaged or lost. They may be covered even when the items are not at your house. (Coverage C)*
Loss of Use – Covers your additional living expenses, above your normal costs, while your home is being repaired.
(Coverage D)*
Personal Liability – Covers your financial loss against a claim of lawsuit and found legally responsible for injuries
or damages to another person. (Coverage E)*
Medical Payments – Pays for medical bills for people hurt on your property or hurt by your pets. (Coverage F)*
*Indicates coverage name or reference used by many companies.
Optional Homeowners Coverage/Policies
Sewer Back Up – This is not covered under the standard policy. Sewer back up coverage can be added to your
policy by an endorsement.
Earthquake Coverage - The standard homeowners, condominium and renters policies will not cover earthquake
damage. Many companies will add this coverage as an endorsement with additional premium to your existing policy
or you may purchase it as a separate policy. If your company does not offer earthquake coverage you may get it
through another company. This coverage will have a separate deductible. The average rate per $1,000 in value
(based on a 10% deductible) is $4.37 for a brick dwelling and $1.85 for a frame dwelling, structure only. For more
information and an exact quote, contact your insurance professional. Earthquake covers landslide, but only if
triggered by the earthquake. See the next page for a comparison of earthquake premiums for the same home used in
our 2021 scenario.
Flood Insurance Policy – The standard homeowners, condominium and renters policies will not cover damage due
to flood. If you live in a designated flood zone you may be required to buy flood insurance. However, you may
consider buying a flood policy if your home could be flooded by an overflowing creek, melting snow or water
running down a steep hill, or unusual and rapid accumulation or runoff of surface waters from any source. You may
purchase a flood policy through your insurance professional or directly from the Federal Flood Insurance Program.
(www.floodsmart.gov) In most situations, there is a 30-day waiting period before coverage takes effect.
Difference in Conditions Policy - These policies provide catastrophe coverage not normally included in
homeowners policies. Earthquake, landslides and flood coverage are included in these policies. Contact your
insurance professional for information regarding this type of policy.
Landslide – Landslides are not covered by homeowner policies. Coverage cannot be added to your policy except as
noted above as a Difference in Conditions Policy or in an Earthquake endorsement or policy under specific
circumstances.
It is always important to understand the policy and the coverage it affords. The Department recommends you review
your insurance needs and the coverages available through various types of policies prior to purchase. We suggest you
review your policy when you receive it and ask your insurance professional questions about anything you do not
understand
.
The Department advises consumers to have an annual check-up with their insurance professional.
6
2021 Annual Earthquake Comparison Table
The following comparisons are earthquake premiums from companies included in the homeowner table that
offer earthquake insurance. The scenario is for a $250,000 home. The premium is based upon a 10%
deductible ($25,000) unless otherwise noted. For more information and an exact quote for your home
contact your insurance professional.
Insurance Company
Spanish
Fork
84660
Brick
Spanish
Fork 84660
Frame
Blanding
84511
Brick
Blanding
84511
Frame
Manti
84642
Brick
Manti
84642
Frame
Smithfield
84335
Brick
Smithfield
84335
Frame
State Farm Fire & Cas Co $406 $283 $313 $226 $396 $248 $406 $283
Bear River Mut Ins Co 426 426 426 426
Farmers Ins Exchange 1451 770 770 770
Auto-Owners Ins Co 3945 1744 1469 1192 4216 2032 4014 1822
United Services Auto Assoc 927 651 540 379 801 563 699 491
Liberty Mutual Personal Ins Co 5004 2103 5013 2103 5228 2196 4951 2085
USAA Casualty Ins Co 937 658 546 383 809 568 706 496
Farm Bureau Property & Casualty Ins Co (a) 2513 502 882 176 2513 502 2513 502
CSE Safeguard Insurance Co 250 180 212 180
Safeco Insurance Co of America 1555 1829 1009 1052 1241 1352 1230 1462
Travelers Personal Ins Co 548 209 116 70 199 75 548 209
American Family Mutual Ins Co (b) 1083 1086 967 969 1063 1065 1043 1046
Pacific Indemnity Co (c) 275 275 275 275 275 275 275 275
A blank cell indicates this company does not write this
type of policy as new business.
(a) This company uses a 5% deductible
(b) This company uses a 15% deductible
(c) Coverage only available with specific policy types
7
AUTOMOBILE INSURANCE
Auto insurance premium varies based on many factors, which may include the vehicle type, age, garaging location and
annual miles driven. The auto premium is also based on the driver's record, age, gender, credit information, home
ownership, and additional coverages selected. Additional factors considered in the premium rating include marital status,
how the car is used, longevity with the company and years without incidents. The number of autos in an area, traffic
congestion and average number of auto accidents in a particular location play an important role in premium
determinations. Premiums in metropolitan areas tend to be higher for these reasons. The following may help lower your
auto insurance premiums: drive safely, compare companies’ premiums, higher physical damage deductibles, insure all
vehicles under one policy, buy packaged policies, and look for possible discounts.
All licensed drivers who reside in the household need to be listed on the policy. Please check with your insurance
company regarding their requirements.
[U.C.A. 41-1a-1101(2)(a)] allows law enforcement officers to impound uninsured vehicles.
The vehicle used in our comparisons is 2019 Volkswagen Jetta. The examples listed in the auto comparison assume that
the driver has a clean driving record, mid-range credit information, and drives to work between 3 & 15 miles one way.
The Department of Insurance does not recommend limits of coverage. Check with the company for limits available that
will fit your circumstances. For more definitions of coverages see page 12 of this table.
Unless otherwise noted, the coverages quoted in our examples provide for the following limits of insurance:
Bodily Injury: $50,000 Per Person / $100,000 Per Accident / Property Damage: $50,000 Per Accident
Uninsured Motorist Bodily Injury: $50,000 Per Person / $100,000 Per Accident
Underinsured Motorist Bodily Injury: $50,000 Per Person / $100,000 Per Accident
Personal Injury Protection: $3,000
Optional Physical Damage limits are: Comprehensive: $500 deductible / Collision: $500 deductible
(The Insurance Department Does Not SET Automobile Insurance Rates.)
2021 Annual Auto Insurance Comparison Table
A blank cell indicates this company is no longer writing this type of policy as new business but an affiliated company may w
r
ite it.
* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The
other companies may have affiliated companies that may offer coverage for non-standard risks.
(a) This company only writes 12 month policies. The premium shown is for 12 months.
(b) This company only writes 12 month policies. The premium shown is for 6 months only
(c) Available to employer sponsored groups only.
8
Zip Code 84660 Spanish Fork Premium for 6-month polic
y
(
2021 rates
)
InsuranceCompany
Single
Male
Age 20
Single
Female
Age 20
Married
Couple
Age 39
Single
Male/Female
Age 39
Married
Couple
Age 66
Earned
Premiums
(UTAH)
Complaint
Ratio Per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Expense
Ratio
State Farm Mutual Automobile Ins Co $1,754 $1,417 $725 $725 $676 $296,235,301 0.000 0.971
Allstate Fire & Casualty Ins Co 1,505 1,205 702 731 / 780 701 202,326,246 0.000 0.884
GEICO Casualty Co * 1,325 1,260 528 568 / 650 491 191,700,297 0.002 0.910
Mid Century Ins Co 1,782 1,639 1,442 1289 / 1361 1,279 161,955,275 0.000 1.061
Bear River Mutual Ins Co 1,087 1,023 586 633 / 587 634 147,481,843 0.000 0.955
Progressive Direct Ins Co 1,330 1,173 595 588 / 637 534 75,056,413 0.037 0.840
Auto Owners Ins Co 1,716 1,443 721 720 733 67,874,867 0.000 0.956
Safeco Insurance Co of IL 1,492 1,425 668 796 / 795 619 56,217,646 0.016 0.787
Progressive Classic Ins Co 1,254 1,105 528 540 / 593 406 55,546,375 0.004 0.842
LM General Ins Co (a) 5,437 5,082 2,733 3067 / 2937 3,356 50,910,263 0.016 0.629
Progressive Advantage Ins Co 1,122 991 513 507 / 547 464 48,439,860 0.027 0.879
Farm Bureau Prop & Cas Ins Co (b) 2,039 1,939 1,158 1066 / 1195 1,117 47,346,972 0.000 1.019
Standard Fire Ins Co 1,648 1,404 674 772 / 748 727 45,543,973 0.000 0.912
USAA Casualty Ins Co 1,048 918 469 499 / 495 458 44,623,467 0.002 0.846
Progressive Preferred Ins Co 1,090 959 456 470 / 514 351 38,950,802 0.018 0.870
United Service Automobile Association 924 811 456 484 / 480 426 36,709,185 0.004 0.904
CSAA Fire & Casualty Ins Co 1,796 1,626 783 875 / 795 773 29,492,578 0.000 0.989
Farmers Group Property & Cas Ins Co (c) 2,151 1,920 675 835 / 811 632 24,179,081 0.012 0.882
Viking Ins Co of WI * 2,760 2,681 1,278 1512 / 1623 1,210 23,957,437 0.000 0.930
USAA General Indemnity Co 1026 968 547 582 / 571 537 23,550,200 0.002 0.845
Automobile Table (continued)
A blank cell indicates this company is no longer writing this type of policy as new business but an affiliated company may write it.
* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The
other companies may have affiliated companies that may offer coverage for non-standard risks.
(a) This company only writes 12 month policies. The premium shown is for 12 months.
(b) This company only writes 12 month policies. The premium shown is fo
r
6 months only
(c) Available to employer sponsored groups only.
9
Zip Code 84511 Blanding
Premium for 6-month polic
y
(
2021 rates
)
InsuranceCompany
Single
Male
Age 20
Single
Female
Age 20
Married
Couple
Age 39
Single
Male/Female
Age 39
Married
Couple
Age 66
Earned
Premiums
(UTAH)
Complaint
Ratio Per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Expense
Ratio
State Farm Mutual Automobile Ins Co $1,449 $1,166 $619 $619 $568 $296,235,301 0.000 0.971
Allstate Fire & Casualty Ins Co 1,266 1,032 627 654 / 685 602 202,326,246 0.000 0.884
GEICO Casualty Co * 1,273 1,207 519 564 / 636 469 191,700,297 0.002 0.910
Mid Century Ins Co 1,584 1,458 1,300 1164 / 1228 1,154 161,955,275 0.000 1.061
Bear River Mutual Ins Co 1,013 954 591 628 / 588 614 147,481,843 0.000 0.955
Progressive Direct Ins Co 1,145 1,001 543 557 / 586 482 75,056,413 0.037 0.840
Auto Owners Ins Co 1,454 1,216 646 644 640 67,874,867 0.000 0.956
Safeco Insurance Co of IL 1,242 1,190 591 696 / 695 547 56,217,646 0.016 0.787
Progressive Classic Ins Co 1,045 915 458 485 / 515 352 55,546,375 0.004 0.842
LM General Ins Co (a) 6,031 5,505 2,794 3178 / 2974 3,275 50,910,263 0.016 0.629
Progressive Advantage Ins Co 980 859 475 490 / 512 427 48,439,860 0.027 0.879
Farm Bureau Prop & Cas Ins Co (b) 1,746 1,628 1,042 967 / 1086 998 47,346,972 0.000 1.019
Standard Fire Ins Co 1,273 1,106 533 612 / 594 567 45,543,973 0.000 0.912
USAA Casualty Ins Co 918 809 426 453 / 448 407 44,623,467 0.002 0.846
Progressive Preferred Ins Co 915 798 398 425 / 448 307 38,950,802 0.018 0.870
United Service Automobile Association 802 709 410 435 / 430 376 36,709,185 0.004 0.904
CSAA Fire & Casualty Ins Co 1,600 1,451 741 822 / 746 714 29,492,578 0.000 0.989
Farmers Group Property & Cas Ins Co (c) 2,072 1,834 661 827 / 791 604 24,179,081 0.012 0.882
Viking Ins Co of WI * 1,991 1,940 983 1157 / 1247 877 23,957,437 0.000 0.930
USAA General Indemnity Co 903 848 492 524 / 510 475 23,550,200 0.002 0.845
Automobile Table (continued)
A blank cell indicates this company is no longer writing this type of policy as new business but an affiliated company may w
r
ite it.
* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The other
companies may have affiliated companies that may offer coverage for non-standard risks.
(a) This company only writes 12 month policies. The premium shown is for 12 months.
(b) This company only writes 12 month policies. The premium shown is for 6 months only
(c) Available to employer sponsored groups only.
0
Zip Code 84642 Manti Premium for 6-month polic
y
(
2021 rates
)
InsuranceCompany
Single
Male
Age 20
Single
Female
Age 20
Married
Couple
Age 39
Single
Male/Female
Age 39
Married
Couple
Age 66
Earned Premiums
(UTAH)
Complaint
Ratio Per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Expense
Ratio
State Farm Mutual Automobile Ins Co $1,594 $1,282 $679 $679 $623 $296,235,301 0.000 0.971
Allstate Fire & Casualty Ins Co 1,264 1,028 623 651 / 682 598 202,326,246 0.000 0.884
GEICO Casualty Co * 1,273 1,207 519 564 / 636 469 191,700,297 0.002 0.910
Mid Century Ins Co 1,565 1,606 1,403 1088 / 1145 1,072 161,955,275 0.000 1.061
Bear River Mutual Ins Co 983 929 580 615 / 576 601 147,481,843 0.000 0.955
Progressive Direct Ins Co 1,213 1,068 580 588 / 626 512 75,056,413 0.037 0.840
Auto Owners Ins Co 1,554 1,298 685 683 678 67,874,867 0.000 0.956
Safeco Insurance Co of IL 1,359 1,299 668 788 / 781 607 56,217,646 0.016 0.787
Progressive Classic Ins Co 1,169 1,030 523 542 / 586 399 55,546,375 0.004 0.842
LM General Ins Co (a) 5,225 4,823 2,551 2870 / 2718 3,000 50,910,263 0.016 0.629
Progressive Advantage Ins Co 1,036 913 506 513 / 543 450 48,439,860 0.027 0.879
Farm Bureau Prop & Cas Ins Co (b) 1,868 1,773 1,125 1043 / 1172 1,078 47,346,972 0.000 1.019
Standard Fire Ins Co 1,384 1,193 584 667 / 649 622 45,543,973 0.000 0.912
USAA Casualty Ins Co 950 836 437 465 / 460 420 44,623,467 0.002 0.846
Progressive Preferred Ins Co 1,021 899 453 471 / 509 347 38,950,802 0.018 0.870
United Service Automobile Association 853 753 432 460 / 455 397 36,709,185 0.004 0.904
CSAA Fire & Casualty Ins Co 1,612 1,459 744 828 / 751 716 29,492,578 0.000 0.989
Farmers Group Property & Cas Ins Co (c) 2,202 1,946 706 885 / 843 643 24,179,081 0.012 0.882
Viking Ins Co of WI * 2,291 2,231 1,112 1311 / 1409 1,009 23,957,437 0.000 0.930
USAA General Indemnity Co 935 879 506 540 / 527 490 23,550,200 0.002 0.845
Automobile Table (continued)
A blank cell indicates this company is no longer writing this type of policy as new business but an affiliated company may write it.
* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The other
companies may have affiliated companies that may offer coverage for non-standard risks.
(a) This company only writes 12 month policies. The premium shown is for 12 months.
(b) This company only writes 12 month policies. The premium shown is for 6 months only
(c) Available to employer sponsored groups only.
11
Zip Code 84335 Smithfield Premium for 6-month polic
y
(
2021 rates
)
InsuranceCompany
Single
Male
Age 20
Single
Female
Age 20
Married
Couple
Age 39
Single
Male/Female
Age 39
Married
Couple
Age 66
Earned
Premiums
(UTAH)
Complaint
Ratio Per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Expense
Ratio
State Farm Mutual Automobile Ins Co $1,567 $1,262 $652 $652 $605 $296,235,301 0.000 0.971
Allstate Fire & Casualty Ins Co 1,263 1,021 607 631 / 670 600 202,326,246 0.000 0.884
GEICO Casualty Co * 1,150 1,093 465 501 / 571 431 191,700,297 0.002 0.910
Mid Century Ins Co 1,577 1,451 1,268 1140 / 1199 1,121 161,955,275 0.000 1.061
Bear River Mutual Ins Co 965 908 544 583 / 543 579 147,481,843 0.000 0.955
Progressive Direct Ins Co 1,159 1,019 529 528 / 565 476 75,056,413 0.037 0.840
Auto Owners Ins Co 1,470 1,233 635 633 637 67,874,867 0.000 0.956
Safeco Insurance Co of IL 1,344 1,284 633 750 / 746 580 56,217,646 0.016 0.787
Progressive Classic Ins Co 1,075 941 452 470 / 508 358 55,546,375 0.004 0.842
LM General Ins Co (a) 4,978 4,657 2,546 2837 / 2723 3,089 50,910,263 0.016 0.629
Progressive Advantage Ins Co 985 865 461 461 / 490 419 48,439,860 0.027 0.879
Farm Bureau Prop & Cas Ins Co (b) 1,782 1,694 1,028 948 / 1064 990 47,346,972 0.000 1.019
Standard Fire Ins Co 1,434 1,228 597 682 / 663 642 45,543,973 0.000 0.912
USAA Casualty Ins Co 917 805 419 445 / 441 406 44,623,467 0.002 0.846
Progressive Preferred Ins Co 937 822 393 409 / 441 302 38,950,802 0.018 0.870
United Service Automobile Association 819 721 412 438 / 433 383 36,709,185 0.004 0.904
CSAA Fire & Casualty Ins Co 1,586 1,436 723 802 / 729 704 29,492,578 0.000 0.989
Farmers Group Property & Cas Ins Co (c) 2,029 1,805 640 791 / 761 592 24,179,081 0.012 0.882
Viking Ins Co of WI * 2,173 2,115 1,025 1209 / 1305 955 23,957,437 0.000 0.930
USAA General Indemnity Co 899 846 485 516 / 505 473 23,550,200 0.002 0.845
Coverages in an Auto Policy
Required by Utah Law
Bodily Injury Liability – Pays for injuries to another person for whom you may be found legally
responsible. Minimum limits are $25,000 per person / $65,000 per accident.
Property Damage Liability – Covers damages you cause to another person’s car or property. Minimum
limit is $15,000 per accident.
Personal Injury Protection (PIP) – Sometimes called “No-Fault” coverage. Provides benefits to all
persons injured in your auto, regardless of fault; including but not limited to, medical expenses, loss of
income and essential services. Pedestrians injured by an auto are also extended PIP benefits. Minimum limit
is $3,000 per person. Note, motorcycle policies do not have PIP coverage but can add medical payment
coverage.
Required by Law; but in writing may reject or select lower limits than your Bodily Injury limit
Uninsured Motorist Bodily Injury (UM) - Covers you and others in your automobile for bodily injury in
an accident caused primarily by a driver who does not have insurance or a hit and run. Minimum limit is
$25,000 per person / $65,000 per accident.
Underinsured Motorist Bodily Injury (UIM) – Provides protection to you and others in your motor vehicle
in an accident caused by an at-fault driver who does not have sufficient bodily injury liability limits to cover
the full amount of your loss. Minimum limit is $10,000 per person / $20,000 per accident.
Uninsured Motorist Property Damage (UM-PD) – Covers you for damage to your automobile in an
accident caused by a driver who does not have insurance. If you do not have collision coverage on your
policy, and you request this coverage the company is required to provide it. Maximum limit is $3,500 with a
$250 deductible.
Optional Coverages, but may be required if you have an auto Loan
Collision – Pays for damage to your car from a collision with another car or object or if it overturns.
Comprehensive (Other Than Collision) – Covers damage or loss to your car due to causes other than
collision. These include but are not limited to fire, hitting animals, windstorm, hail, vandalism, theft and
flood.
Other Optional Coverages
Towing - Reimburses you when your vehicle must be towed to a repair shop or other location
Rental Reimbursement – Pays the rental fee if you must rent a vehicle for a reasonable time while your
vehicle is being repaired.
Electronic Devices – These items, including cell phones are not covered under your standard auto policy.
There may be an endorsement to add coverage for these type items to your policy. These devices may be
covered by your homeowners policy.
The Department advises consumers to have an annual check-up with their insurance professionals.
If you have any questions or need additional information call the Insurance Department at 801-538-3800 or Toll free
at 1-800-439-3805.
12
