Cheap Car Insurance Utah VERIFIED
Car insurance companies assess risk differently, so rates can vary significantly from one company to another. Even with a recent moving violation like a speeding ticket, you can save by comparing quotes from multiple insurance companies to see who has the most affordable rates.
cheap car insurance utah
USAA (customers must have a military affiliation) and Geico had the cheapest Utah car insurance among the companies we analyzed. American Family and State Farm also have rates below the state average for drivers who caused an injury-related accident.
In Utah, the Jeep Wrangler JL Sport, Honda CR-V LX and Ford Escape S are among the least expensive vehicles for insurance in Utah, based on average rates for 50 top-selling models. The 20 least expensive are below.
There are many other types of car damage that only collision and comprehensive coverage would cover: Flood damage, hail, fire, falling objects, vandalism, and a crash with a deer or a riot. Comprehensive insurance also covers car theft.
Uninsured & underinsured motorist coverage. The problem with uninsured drivers is that they can leave a trail of unpaid accident bills in their path. They have no insurance to pay for injuries or damage they cause, which forces other drivers to buy extra insurance. And that extra insurance is uninsured and underinsured motorist (UM and UIM) coverage.
To find the cheapest auto insurance companies in Utah, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.
Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs.
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When shopping for cheap insurance, Utah drivers may first want to consider how much coverage they need. Minimum coverage, which refers to the lowest limits you can buy and still drive legally, is often the cheapest option but provides much lower financial protection compared to higher limits. Minimum coverage in Utah costs an average of $539 per year. Full coverage refers to a policy that has both comprehensive coverage and collision coverage added, which pay for damage to your own vehicle. Full coverage costs an average of $1,510 per year in Utah. The table below shows the average annual and monthly premiums for both minimum and full coverage, as well as how much cheaper each company is compared to the state average.
When you add a teen driver to your policy, your car insurance premium will very likely increase. This is because young drivers lack experience and are more likely to get into accidents than older drivers. However, your premium should start to drop as the driver gets older and gains experience on the road, assuming they keep a clean driving record. In the meantime, you may want to look for discounts aimed at young drivers, like savings for getting good grades in school, to save on car insurance in Utah. You can also shop around to find lower rates; the companies below are the cheapest in the state, on average, when you have a 16-year-old driver on your policy.
A speeding ticket in Utah is a relatively minor offense compared to other traffic violations, but speeding is still an unsafe driving behavior that can lead to accidents. Consequently, having a speeding ticket conviction on your record will likely cause your car insurance rate to increase, usually for three to five years. Having a clean driving record will ensure you are paying the lowest rate, but below are the five cheapest car insurance companies in Utah with a speeding ticket factored in.
At-fault collisions can have a big impact on your car insurance premium. Generally, a collision you are responsible for will remain on your record for five years, but that can depend on the location and the severity of the crash. If you have accident forgiveness on your policy prior to the incident, however, you may avoid a rate hike for your first at-fault crash. You could consider switching to one of these companies once your claim is closed. These five carriers have the lowest rates for at-fault accidents in Utah, based on our research.
The first step to finding cheap car insurance in Utah is to understand what kinds of coverage and how much coverage you need. If you skip this step, you might find a cheap policy, but you could also undercut your coverage and end up paying high out-of-pocket costs after an accident. Remember that insurance is financial protection. To adequately protect your finances, you may want to talk with a licensed agent about your coverage needs.
Discounts are one of the best ways to find Utah car insurance savings. Most companies offer at least a few, and if you can find a company with low rates and several discounts that you qualify for, you could be well on your way to getting cheap Utah car insurance.
There are a number of ways to get a lower car insurance rate in Utah. Cheap car insurance companies typically offer savings opportunities, like discounts, safe driver rewards programs or disappearing deductible programs. You might also consider raising your deductibles, improving your credit score or adjusting your coverage limits to save where it makes sense for your situation. Just be sure to talk to a licensed agent before you make any changes to your policy, to make sure you understand the implications.
Car insurance is a legal requirement in Utah. In the state of Utah, drivers must carry at least 25/65/15 car insurance, which means $25,000 bodily injury per person, $65,000 bodily injury per accident and $15,000 property damage liability. Utah drivers must also carry at least $3,000 in personal injury protection (PIP). If you are caught driving without insurance in Utah, you could be fined or have your license suspended. And if you cause a collision, you are financially responsible for paying for the damages and injuries. Without car insurance, you would have to cover the expenses out of pocket. Inability to fulfill your obligations could lead to a costly lawsuit. Although a car insurance policy can feel like an extra expense, it could save you from a lot of financial hardship.
Car insurance companies have difficult methods for calculating insurance premiums. This means that no two quotes you receive will be the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Utah.
At $29 per month or $350 per year, USAA provides the cheapest car insurance in Utah on average. Geico and Auto-Owners Insurance also offer some of the cheapest policies in the state. Below is the complete list of the cheapest liability insurance companies in Utah.
USAA tends to have the cheapest full coverage car insurance policies in Utah, costing $75 per month or $896 per year. Geico and Auto-Owners Insurance are also strong options for Utah motorists.
Young drivers can pay significantly more for car insurance than older adults. The tables below show the cheapest car insurance for young drivers in Utah, along with estimated monthly and annual costs.
In the Beehive State, teen drivers pay a steep price for full car insurance coverage. We found that Auto-Owners Insurance tends to offer cheap auto insurance for 16-year-old drivers, costing around $4,336 per year or $361 per month for full coverage insurance. The average rate estimate for a 16-year-old driver in Utah is $6,625 per year or $552 per month.
Our team found that Geico offers cheap car insurance estimates for 17-year-old drivers in Utah at $3,356 per year or $280 per month. The average rate estimate for 17-year-old Utah drivers is $5,296 per year or $441 per month.
Based on our research, 18-year-old drivers can find affordable car insurance through Geico for $2,663 per year or $222 per month. The average rate estimate for an 18-year-old Utah driver is $4,637 per year or $386 per month.
Utah drivers in their early 20s pay substantially less for car insurance than teen drivers. For 21-year-old drivers, Geico offers the cheapest auto insurance prices on average at $1,251 per year or $104 per month. The average rate estimate for 21-year-old drivers is $2,368 per year or $197 per month.
On average, Geico provides the cheapest car insurance rates for an annual premium for 25-year-old drivers at $948 per year or $79 per month. The average rate estimate for a 25-year-old Utah motorist is $1,712 per year or $143 per month.
In addition to age, your driving history and credit score will also influence your rates. The sections below provide the average cost of car insurance for different driving situations, such as car insurance rates if you got a speeding ticket or DUI. 041b061a72