2022 Annual
Homeowners & Private Passenger Automobile
Insurance Comparison Tables
The comparison tables provide examples of four zip codes in Utah. The zip codes used in the comparison samples
are; 84060 – Park City, 84713 - Beaver, 84015 - Clearfield, 84738 - Ivins. 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 2021, 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)
2022
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.)
2022 Annual Homeowners Insurance Comparison Table
Zip Code 84060 – Park City
Premium for 1-year policy (2022 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 & Casualty Co
$858.00
$953.00
$177.00
$331.00
$114,193,742.00
0.000
1.080
Bear River Mutual Insurance Co
$425.00
$440.00
$115.00
$159.00
$50,899,002.00
0.000
0.983
Farmers Insurance Exchange (a)
$670.41
$629.02
N/A
N/A
$46,827,712.12
0.009
1.076
Allstate Vehicle & Property Insurance Co
$821.00
$846.00
N/A
N/A
$33,374,243.00
0.000
1.107
Auto Owners Insurance Co
$1033.17
$1066.42
$262.99
$702.75
$30,216,540.00
0.000
0.950
Liberty Mutual Personal Insurance Co
$1030.00
$974.00
$427.00
$692.00
$21,886,055.00
0.023
0.796
Travelers Personal Insurance Co
$953.00
$975.00
$158.00
$312.00
$19,964,470.32
0.000
113.5
United Service Automobile Assn
$1672.52
$1592.22
$494.30
$743.78
$17,856,609.00
0.001
102.5
Fire Insurance Exchange (b)
$17,395,688.55
0.006
1.013
USAA Casualty Insurance Co
$1977.26
$1900.03
$476.25
$674.86
$16,709,091.00
0.000
100.8
Allstate Property & Casualty Insurance Co (b)
$15,229,065.00
0.000
0.971
Farm Bureau Property Casualty Insurance Co
$1022.75
$1029.43
$236.69
$194.06
$14883.502.00
0.000
0.994
CSE Safeguard Insurance Co (c)
$366.00
$402.00
$213.00
$289.00
$14,705,742.00
0.000
0.941
Allstate Indemnity Co (d)
$174.00
$295.00
$11,848,434.00
0.000
0.974
Pacific Indemnity Co (e)
$1051.00
$1051.00
$290.00
$458.00
$11,839,064.00
0.000
0.852
Safeco Insurance Co of America (d)
$142.00
$202.00
$11,789,035.00
0.034
0.763
Homesite Insurance Co
$723.00
$738.00
$151.00
N/A
$11,345,117.00
0.000
0.918
American Family Mutual Insurance Co of SI (b)
$10,042,339.00
0.000
0.010
CSAA Fire & Casualty Insurance Co
$727.00
$727.00
$129.00
$273.00
$9,938,218.00
0.000
1.005
American Economy Insurance Co (f)
$1112.00
$1142.00
N/A
N/A
$8,604,340.00
0.000
1.125
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.
(a) This company only offers HO5 and no longer writes new business for HO4 or HO6.
(b) This company no longer writes new business.
(c) Must qualify for the preferred homeowners program.
(d) This company no longer writes HO3 business.
(e) Standard policy form only. Medical payment minimum $25,000.
(f) This company does not write HO4 or HO6
Homeowners Table (continued)
Zip Code 84713 Beaver
Premium for 1-year policy (2022 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 & Casualty Co
$910.00
$1011.00
$167.00
$312.00
$114,193,742.00
0.000
1.080
Bear River Mutual Insurance Co
$457.00
$473.00
$115.00
$159.00
$50,899,002.00
0.000
0.993
Farmers Insurance Exchange (a)
$713.33
$670.22
N/A
N/A
$46,827,712.00
0.009
1.076
Allstate Vehicle & Property Insurance Co
$833.00
$855.00
N/A
N/A
$33,374,243.00
0.000
1.107
Auto Owners Insurance Co
$1136.77
$11769.99
$262.99
$677.19
$30,216,540.00
0.000
0.950
Liberty Mutual Personal Insurance Co
$1016.00
$957.00
$427.00
$962.00
$21,886,055.00
0.023
0.796
Travelers Personal Insurance Co
$915.00
$1042.00
$164.00
$306.00
$19,964,470.32
0.000
113.5
United Service Automobile Assn
$1580.33
$1496.70
$446.18
$670.79
$17,856,609.00
0.001
102.5
Fire Insurance Exchange (b)
$17,395,688.55
0.006
1.013
USAA Casualty Insurance Co
$1830.74
$1749.95
$427.83
$616.10
$16,709,091.00
0.000
100.8
Allstate Property & Casualty Insurance Co (b)
$15,229,065.00
0.000
0.971
Farm Bureau Property Casualty Insurance Co
$1193.47
$1206.65
$299.58
$246.44
$14,883,502.00
0.000
0.994
CSE Safeguard Insurance Co (c)
$382.00
$419.00
$213.00
$289.00
$14,705,742.00
0.000
0.941
Allstate Indemnity Co (d)
$174.00
$259.00
$11,848,434.00
0.000
0.974
Pacific Indemnity Co (e)
$1004.00
$1004.00
$305.00
$479.00
$11,839,064.00
0.000
0.852
Safeco Insurance Co of America (d)
$142.00
$202.00
$11,789,035.00
0.034
0.763
Homesite Insurance Co
$699.00
$716.00
$124.00
N/A
$11,345,117.00
0.000
0.918
American Family Mutual Insurance Co of SI (b)
$10,042,339.00
0.000
0.010
CSAA Fire & Casualty Insurance Co
$569.00
$569.00
$130.00
$289.00
$9,938,218.00
0.000
1.005
American Economy Insurance Co (f)
$1095.00
$1146.00
N/A
N/A
$8,604,340.00
0.000
1.125
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.
(a) This company only offers HO5 and no longer writes new business for HO4 or HO6.
(b) This company no longer writes new business.
(c) Must qualify for the preferred homeowners program.
(d) This company no longer writes HO3 business.
(e) Standard policy form only. Medical payment minimum $25,000.
(f) This company does not write HO4 or HO6
Homeowners Table (continued)
Zip Code 84015 - Clearfield
Premium for 1-year policy (2022 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 & Casualty Co
$741.00
$823.00
$144.00
$315.00
$114,193,742.00
0.000
1.080
Bear River Mutual Insurance Co
$425.00
$440.00
$115.00
$159.00
$50,899,002.00
0.000
0.993
Farmers Insurance Exchange (a)
$872.64
$806.30
N/A
N/A
$46,827,712.00
0.009
1.076
Allstate Vehicle & Property Insurance Co
$726.00
$745.00
N/A
N/A
$33,374,243.00
0.000
1.107
Auto Owners Insurance Co
$1011.88
1041.92
$262.99
$703.75
$30,216,540.00
0.000
0.950
Liberty Mutual Personal Insurance Co
$988.00
$932.00
$419.00
$688.00
$21,886,055.00
0.023
0.796
Travelers Personal Insurance Co
$1009.00
$1042.00
$158.00
$235.00
$19,964,470.32
0.000
113.5
United Service Automobile Assn
1,992.90
$1716.90
4494.30
$549.89
$17,856,609.00
0.001
102.5
Fire Insurance Exchange (b)
$17,395,688.55
0.006
1.013
USAA Casualty Insurance Co
$2182.80
$1912.94
$476.25
4501.03
$16,709,091.00
0.000
100.8
Allstate Property & Casualty Insurance Co (b)
$15,229,065.00
0.000
0.971
Farm Bureau Property Casualty Insurance Co
1,020.72
1028.13
240.27
198.61
$14,883,502.00
0.000
0.994
CSE Safeguard Insurance Co (c)
$504.00
$555.00
$213.00
$289.00
$14,705,742.00
0.000
0.941
Allstate Indemnity Co (d)
$174.00
$265.00
$11,848,434.00
0.000
0.974
Pacific Indemnity Co (e)
$1018.00
$1018.00
$305.00
$479.00
$11,839,064.00
0.000
0.852
Safeco Insurance Co of America (d)
$115.00
$173.00
$11,789,035.00
0.034
0.763
Homesite Insurance Co
$1171.00
$1250.00
$153.00
N/A
$11,345,117.00
0.000
0.918
American Family Mutual Insurance Co of SI (b)
$10,042,339.00
0.000
0.010
CSAA Fire & Casualty Insurance Co
$571.00
$571.00
$130.00
$279.00
$9,938,218.00
0.000
1.005
American Economy Insurance Co (f)
$884.00
$916.00
N/A
N/A
$8,604,340.00
0.000
1.125
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.
(a) This company only offers HO5 and no longer writes new business for HO4 or HO6.
(b) This company no longer writes new business.
(c) Must qualify for the preferred homeowners program.
(d) This company no longer writes HO3 business.
(e) Standard policy form only. Medical payment minimum $25,000.
(f) This company does not write HO4 or HO6
.
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.
(a) This company only offers HO5 and no longer writes new business for HO4 or HO6.
(b) This company no longer writes new business.
(c) Must qualify for the preferred homeowners program.
(d) This company no longer writes HO3 business.
(e) Standard policy form only. Medical payment minimum $25,000.
(f) This company does not write HO4 or HO6
Zip Code 84738 - Ivins
Premium for 1-year policy (2022 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 & Casualty Co
$810.00
$898.00
$167.00
$312.00
$114,193,742.00
0.000
1.080
Bear River Mutual Insurance Co
$457.00
$473.00
$115.00
$159.00
$50,899,002.00
0.000
0.993
Farmers Insurance Exchange (a)
$754.51
$711.72
N/A
N/A
$46,827,712.00
0.009
1.076
Allstate Vehicle & Property Insurance Co
$717.00
$735.00
N/A
N/A
$33,374,243.00
0.000
1.107
Auto Owners Insurance Co
$955.33
$987.44
$262.99
$677.19
$30,216,540.00
0.000
0.950
Liberty Mutual Personal Insurance Co
$1063.00
$997.00
4427.00
$692.00
$21,886,055.00
0.023
0.796
Travelers Personal Insurance Co
$923.00
$952.00
4162.00
4277.00
$19,964,470.32
0.000
113.5
United Service Automobile Assn
$1728.28
$1649.33
$494.13
$723.86
$17,856,609.00
0.001
102.5
Fire Insurance Exchange (b)
$17,395,688.55
0.006
1.013
USAA Casualty Insurance Co
$1999.19
$1923.20
$470.35
$672.52
$16,709,091.00
0.000
100.8
Allstate Property & Casualty Insurance Co (b)
$15,229,065.00
0.000
0.971
Farm Bureau Property Casualty Insurance Co
$1016.47
$1023.27
$246.19
$203.12
$14,883,502.00
0.000
0.994
CSE Safeguard Insurance Co (c)
$453.00
$499.00
$213.00
$289.00
$14,705,742.00
0.000
0.941
Allstate Indemnity Co (d)
$174.00
$227.00
$11,848,434.00
0.000
0.974
Pacific Indemnity Co (e)
$1004.00
$1004.00
$305.00
$479.00
$11,839,064.00
0.000
0.852
Safeco Insurance Co of America (d)
$126.00
$160.00
$11,789,035.00
0.034
0.763
Homesite Insurance Co
$802.00
$819.00
$126.00
N/A
$11,345,117.00
0.026
0.918
American Family Mutual Insurance Co of SI (b)
$10,042,339.00
0.000
0.010
CSAA Fire & Casualty Insurance Co
$764.00
$764.00
$126.00
$274.00
$9,938,218.99
0.000
1.005
American Economy Insurance Co (f)
$922.00
$946.00
N/A
N/A
$8,604,340.00
0.012
1.125
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 $3.24 for a brick dwelling and $1.64 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 2022 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.
2022 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
Park City
84060
Brick
Park
City
84060
Frame
Beaver
84713
Brick
Beaver
84713
Frame
Clearfield
84015
Brick
Clearfield
84015
Frame
Ivins
84738
Brick
Ivins
84738
Frame
State Farm Fire & Cas Co
$396.00
$248.00
$396.00
$248.00
$508.00
$361.00
$363.00
$246.00
Bear River Mut Ins Co
$426.00
$426.00
$426.00
$426.00
Farmers Ins Exchange
$1202.00
$846.00
$1202.00
$846.00
$2072.00
$1458.00
$1202.00
$846.00
Auto-Owners Ins Co
$3089.67
$1484.92
$1971.52
$1413.99
$3997.63
$1795.66
$1790.08
$1221.44
Liberty Mutual Personal Ins Co
$1439.00
$581.00
$1320.00
$534.00
$1439.00
$581.00
$1320.00
$534.00
United Service Automobile Association
$302.40
$212.39
$304.55
$213.90
$949.23
$666.69
$306.28
$215.11
USAA Casualty Ins Co
$297.50
$208.95
$299.62
$210.44
$933.86
$655.90
$301.32
$211.63
Farm Bureau Property & Casualty Ins Co
$1940.40
$338.08
$1278.90
$255.78
$2513.70
$502.74
$1278.90
$255.78
CSE Safeguard Insurance Co
$193.00
$193.00
$325.00
$193.00
Pacific Indemnity Co
$275.00
$275.00
$275.00
$275.00
$275.00
$275.00
$275.00
$275.00
Homesite Ins Co
$490.00
$108.00
$490.00
$108.00
$1293.00
$455.00
$490.00
$490.00
Pacific Indemnity Co
$368.00
$80.00
$368.00
$80.00
$1138.00
$400.00
$368.00
$80.00
American Economy Ins Co
$414.00
$614.00
$414.00
$614.00
$414.00
$614.00
$414.00
$614.00
A blank cell indicates this company does not write this
type of policy as new business.
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 2020 Dodge Ram 1500. 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.)
2022 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 write it.
Zip Code 84060 – Park
City
Premium for 6-month policy (2022 rates)
Insurance Company
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
$2019.40
$1615.28
$833.97
$833.97
$770.87
$301,180,145.00
0.000
1.080
Allstate Fire & Casualty Ins Co
$1891.00
$1527.00
$910.00
$951.00
$1001.00
$224,659,220.00
0.001
1.015
GEICO Casualty Co
$199,609,724.00
0.000
0.980
Mid Century Ins Co
$2003.50
$1849.10
$1528.80
$1330.10/$1440.30
$1368.60
$169,078,956.77
0.002
1.006
Bear River Mutual Ins Co
$1081.50
$1016.50
$610
$658.50/$614.00
$649.00
$15,091,600.00
0.000
0.993
Progressive Direct Ins Co
$1196.00
$1069.00
$567.00
$558.00/$607.00
$505.00
$70,598,822.00
0.024
0.942
Auto Owners Ins Co
$1578.36
$1313.82
$683.19
$681.55
$671.53
$68,973,896.00
0.000
0.950
Progressive Advantage Ins Co
$1011.00
$905.00
$491.00
$485.00/$525.00
$441.00
$65,113,059.00
0.018
0.997
Safeco Insurance Co of IL
$1918.00
$1819.00
$853.00
$1007.00/$994.00
$696.00
$63,378,013.30
0.014
0.807
Progressive Preferred Ins Co
$1051.00
$941.00
$469.00
$469.00/$525.00
$358.00
$58,796,371.00
0.013
0.787
Standard Fire Ins Co
$1528.00
$1300.00
$836.00
$726.00/$699.00
$899.00
$57,183,000.63
0.000
0.989
Progressive Classic Ins Co
$1214.00
$1088.00
$546.00
$541.00/$608.00
$410.00
$51,720,348.00
0.007
0.762
Farm Bureau Prop & Cas Ins Co
$2365.13
$2163.47
$1062.18
$980.84/$1101.41
$1021.20
$49,927,547.00
0.000
0.994
USAA Casualty Ins Co
$890.00
4805.00
$425.00
$503.00/$496.00
$417.00
$48,462,795.00
0.000
1.008
LM General Casualty Ins Co
United Service Automobile
Association
$759.00
4669.00
$397.00
$459.00/$455.00
$371.00
$37,866,100.00
0.003
1.025
CSAA Fire & Casualty Ins Co
$1282.00
$1197.00
$661.00
$716.00/$671.00
$625.00
$29,967,723.00
0.000
1.005
USAA General Indemnity Co
$863.00
$809.00
$417.00
$495.00/$482.00
$409.00
$24,529,643.00
0.010
1.004
Garrison Property & Casualty
Ins Co
$948.00
$882.00
$405.00
$485.00/$476.00
$394.00
$23,241,307.00
0.010
1.009
Liberty Mutual Personal Ins Co
$6,172.00
$5721.00
$3586.00
$4336.00/$4062.00
$4132.00
$22,476,277.00
0.044
0.796
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.
Zip Code 84713 - Beaver
Premium for 6-month policy (2022 rates)
Insurance Company
Single Male
Age 20
Single
Female Age
20
Married
Couple
Age 39
Single
Male/Female Age
39
Married
Couple
Age 66
Earned Premiums
(UTAH)
Compl
aint
Ratio
Per
100K
of
Earned
Premiu
m
#
Nat'l
Comb.
Loss &
Expens
e Ratio
State Farm Mutual Automobile
Insurance Co
$1762.23
$1408.19
$740.54
$740.54
$679.70
$301,180,145.00
0.000
1.080
Allstate Fire & Casualty
Insurance Co
$1673.00
$1382.00
$872.00
$904.00/$960.00
$807.00
$224,659,220.00
0.001
1.015
GEICO Casualty Co
$199,609,724.00
0.000
0.980
Mid Century Insurance Co
$1903.50
$1755.30
$1421.10
$1246.70/
$1,269.80
$1269.80
$169,078,956.77
0.002
1.006
Bear River Mutual Insurance Co
$1044.50
$983.00
$605.00
$648.50/$606.50
$637.50
$15,091,600.00
0.000
0.993
Progressive Direct Insurance Co
$1134.00
41015.00
$559.00
$549.00/$604.00
$497.00
$70,598,822.00
0.024
0.942
Auto Owners Insurance Co
$1443.15
$1200.67
$642.04
$640.30
$628.31
$68,973,896.00
0.000
0.950
Progressive Advantage
Insurance Co
$963.00
$864.00
$485.00
$479.00/$521.00
$434.00
$65,113,059.00
0.018
0.997
Safeco Insurance Co of IL
$1816.00
$1720.00
$839.00
$988.00/$972.00
$686.00
$63,378,013.30
0.014
0.807
Progressive Preferred Insurance
Co
$991.00
$897.00
$476.00
$461.00/$527.00
$355.00
$58,796,371.00
0.013
0.787
Standard Fire Insurance Co
$1290.00
$1111.00
$742.00
$637.00/$616.00
$777.00
$57,183,000.63
0.000
0.989
Progressive Classic Insurance
Co
$1148.00
$1037.00
$551.00
$533.00/$611.00
$407.00
$51,720,348.00
0.007
0.762
Farm Bureau Prop & Cas
Insurance Co
$2133.40
$1943.18
$985.54
$913.20/$1025.37
$945.09
$49,927,547.00
0.000
0.994
USAA Casualty Insurance Co
$858.00
$776.00
$411.00
$486.00/$480.00
$404.00
$48,462,795.00
0.000
1.008
LM General Casualty Insurance
Co
United Service Automobile
Association
$739.00
$652.00
$388.00
$448.00/$444.00
$363.00
$37,866,100.00
0.003
1.025
CSAA Fire & Casualty Insurance
Co
$1272.00
$1190.00
$667.00
$724.00/$680.00
$632.00
$29,967,723.00
0.000
1.005
USAA General Indemnity Co
$846.00
$795.00
$407.00
$484.00/$473.00
$401.00
$24,529,643.00
0.010
1.004
Garrison Property & Casualty
Insurance Co
$916.00
$854.00
$390.00
$467.00/$459.00
$381.00
$23,241,307.00
0.010
1.009
Liberty Mutual Personal
Insurance Co
$6704.00
$6168.00
$3787.00
$4520.00/
$4235.00
$4295.00
$22,476,277.00
0.044
0.796
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.
Zip Code 84015 -
Clearfield
Premium for 6-month policy (2022 rates)
Insurance Company
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
Insurance Co
$2233.65
$1796.78
$911.57
$911.57
$850.81
$301,180,145.00
0.000
1.080
Allstate Fire & Casualty
Insurance Co
$1776.00
$1443.00
$872.00
$904.00/$960.00
$873.00
$224,659,220.00
0.001
1.015
GEICO Casualty Co
$199,609,724.00
0.000
0.980
Mid Century Insurance Co
$1693.70
$1737.70
$1439.50
$1080.10/$1174.10
$1131.70
$169,078,956.77
0.002
1.006
Bear River Mutual Insurance Co
$1060.50
$1002.00
$577.50
$625.00/$581.50
$624.50
$15,091,600.00
0.000
0.993
Progressive Direct Insurance Co
$1278.00
$1149.00
$599.00
$581.00/$642.00
$534.00
$70,598,822.00
0.024
0.942
Auto Owners Insurance Co
$1561.48
$1309.99
$666.07
$664.24
$667.04
$68,973,896.00
0.000
0.950
Progressive Advantage
Insurance Co
$1074.00
$967.00
$514.00
$502.00/$550.00
$463.00
$65,113,059.00
0.018
0.997
Safeco Insurance Co of IL
$2064.00
$1958.00
$861.00
$1024.00/$1015.00
$702.00
$63,378,013.30
0.014
0.807
Progressive Preferred Insurance
Co
$1198.00
$1077.00
$536.00
$524.00/$598.00
$406.00
$58,796,371.00
0.013
0.787
Standard Fire Insurance Co
$1561.00
$1315.00
$846.00
$737.00/$710.00
$915.00
$57,183,000.63
0.000
0.989
Progressive Classic Insurance
Co
$1389.00
$1252.00
$623.00
$609.00/$697.00
$464.00
$51,720,348.00
0.007
0.762
Farm Bureau Prop & Cas
Insurance Co
$2490.49
$2310.44
$1107.23
$1019.59/$1143.93
$1066.76
$49,927,547.00
0.000
0.994
USAA Casualty Insurance Co
$935.00
$845.00
$441.00
$521.00/516.00
437.00
$48,462,795.00
0.000
1.008
LM General Casualty Insurance
Co
United Service Automobile
Association
$781.00
$686l.00
$404.00
$466.00/$463.00
$383.00
$37,866,100.00
0.003
1.025
CSAA Fire & Casualty Insurance
Co
$1301.00
$1215.00
$661.00
$716.00/$671.00
$626.00
$29,967,723.00
0.000
1.005
USAA General Indemnity Co
$904.00
$850.00
$430.00
$510.00/$500.00
$427.00
$24,529,643.00
0.010
1.004
Garrison Property & Casualty
Insurance Co
$980.00
$914.00
$413.00
$493.00/$487.00
$407.00
$23,241,307.00
0.010
1.009
Liberty Mutual Personal
Insurance Co
$6836.00
$6359.00
$4050.00
$4917.00/$4612.00
$4686.00
$22,476,277.00
0.044
0.796
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.
Zip Code 84738 - Ivins
Premium for 6-month policy (2022 rates)
Insurance Company
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
Insurance Co
$1862.37
$1498.58
$766.31
$766.31
$714.05
$301,180,145.00
0.000
1.080
Allstate Fire & Casualty
Insurance Co
$1533.00
$1251.00
$766.00
$795.00/$839.00
$754.00
$224,659,220.00
0.001
1.015
GEICO Casualty Co
Mid Century Insurance Co
$1755.20
$1619.50
$1319.10
$1148.80/$1243.60
$1178.40
$169,078,956.77
0.002
1.006
Bear River Mutual Insurance Co
$1035.50
$977.00
$575.00
$621.50/$579.50
$618.00
$15,091,600.00
0.000
0.993
Progressive Direct Insurance Co
$1210.00
$1087.00
$573.00
$556.00/$615.00
$512.00
$70,598,822.00
0.024
0.942
Auto Owners Insurance Co
$1391.76
$1164.80
$597.60
$595.92/$595.92
$597.02
$68,973,896.00
0.000
0.950
Progressive Advantage
Insurance Co
$1019.00
$918.00
$494.00
$482.00/$528.00
$445.00
$65,113,059.00
0.018
0.997
Safeco Insurance Co of IL
$1805.00
$1708.00
$769.00
$914.00/$903.00
$630.00
$63,378,013.30
0.014
0.807
Progressive Preferred Insurance
Co
$1076.00
$971.00
$492.00
$476.00/$548.00
$370.00
$58,796,371.00
0.013
0.787
Standard Fire Insurance Co
$1395.00
$1180.00
$771.00
$672.00/$646.00
$827.00
$57,183,000.63
0.000
0.989
Progressive Classic Insurance
Co
$1247.00
$1125.00
$572.00
$553.00/$636.00
$425.00
$51,720,348.00
0.007
0.762
Farm Bureau Prop & Cas
Insurance Co
$2213.07
$2050.49
$991.75
$914.02/$1024.99
$955.14
$49,927,547.00
0.000
0.994
USAA Casualty Insurance Co
$938.00
$847.00
$444.00
$525.00/$520.00
$438.00
$48,462,795.00
0.000
1.008
LM General Casualty Insurance
Co
United Service Automobile
Association
$800.00
$703.00
$415.00
$479.00/$476.00
$390.00
$37,866,100.00
0.003
1.025
CSAA Fire & Casualty
Insurance Co
$1248.00
$1165.00
$640.00
$695.00/$651.00
$609.00
$29,967,723.00
0.000
1.005
USAA General Indemnity Co
$921.00
$865.00
$438.00
$521.00/$510.00
$433.00
$24,529,643.00
0.010
1.004
Garrison Property & Casualty
Insurance Co
$988.00
$921.00
$416.00
$498.00/$491.00
$408.00
$23,241,307.00
0.010
1.009
Liberty Mutual Personal
Insurance Co
$5,784.00
$5356.00
$3385.00
$4101.00/$3843.00
$3913.00
$22,476,277.00
0.044
0.796
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 801-957- 9305 or Toll free
at 1-800-439-3805.
