Cheap Car Insurance in Utah

Cheap Car Insurance in Utah

It is mandatory to get car insurance in Utah for drivers to drive legally in the state. Different companies in Utah provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Utah:

Name of the Company Average annual car insurance premiums
Bear River $775
Auto-Owners $880
USAA $935
Farm Bureau Mutual (IA Group) $1017
Safeco $1045
Allied $1125
Nationwide $1236
Cal Casualty $1335
GEICO $1400
Progressive $1465
American Family $1483
Unigard $1504
Travelers $1509
State Farm $1865
Allstate $1980
Metropolitan $2295
Farmers $2367
Encompass $5163

Cheap car insurance in Utah for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Utah with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Utah provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Utah by maintaining a good driving record. Most auto insurance companies in Utah provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $184 on car insurance premiums in Utah.
  •  Drivers may save $463 on car insurance premiums if they have an accident-free record in Utah.
  •  By maintaining a good credit history you may save $1175 on car insurance premiums in Utah. 

Cheap car insurance for inexperienced drivers in Utah

Most auto insurance providers may charge high auto insurance premiums in Utah from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Utah vary according to the age of the drivers. Some companies charge high auto insurance cost from young drivers in Utah. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5962 $5810
17 $5659 $5015
18 $5685 $4385
19 $4875 $2677

Affordable auto insurance in Utah for high-risk drivers

Car insurance companies in Utah charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Utah can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Utah may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1555
DUI $1527
Speeding Violation $1275
Bad Credit $2265

Best car insurance companies in Utah

Car insurance prices in Utah may vary from company to company. Some companies in Utah charge lower car insurance premiums than others. To get the best auto insurance policy in Utah you should check the reputation and services of the insurance companies because finding affordable car insurance policy is not just enough. You can find the best auto insurance company in Utah by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Utah:

  1. Allied
  2. Allstate
  3. American Family
  4. Bear River
  5. Encompass
  6. Farmers
  7. GEICO
  8. Liberty Mutual
  9. MetLife
  10. Nationwide
  11. Progressive
  12. State Farm
  13. Travelers
  14. Unigard
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Utah?

The average annual cost to get the minimum required coverage in Utah may be around $606.  The minimum required coverage for drivers in Utah to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $65000
Property damage per accident $15000

The state minimum auto insurance requirements in Utah

The state minimum auto insurance coverage requirement in Utah is liability coverage.

  1. $25000 bodily injury coverage per person is required in Utah.
  2. $65000 bodily injury coverage per accident is required in Utah.
  3. $15000 property damage coverage per accident is required in Utah.

Other types of optional coverages in Utah are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Uninsured/Underinsured Motorist Property Damage

Fine for driving without car insurance in Utah

If anyone caught driving without a car insurance policy in Utah then police may charge a fine.

Car insurance prices by cities in Utah

Car insurance premiums in Utah may vary from city to city. In some cities of Utah, car insurance prices are high compared to others.

City Average annual insurance premiums
West Valley City $1580
Kearns $1560
Salt Lake City $1536
Taylorsville $1522
Millcreek $1515
West Jordan $1468
Cottonwood Heights $1455
Orem $1442
Provo $1412
Draper $1409
Sandy $1405
South Jordan $1405
Bountiful $1352
Ogden $1350
Lehi $1344
Roy $1336
Clearfield $1327
Layton $1322
Logan $1210

If you are looking for a car insurance deal in Utah, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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