Best Car Insurance in Utah

January 19, 2021

The population of the state of Utah is about 3.2 million, while according to the Standard stats, the total number of registered vehicles in the state is only about 2.3 million. Generally speaking, the lower the number of total vehicles, the fewer annual accidents. Auto Insurance states that the state of Utah was ranked on the 8th number as the safest state to drive. That's the very reason car insurance in Utah is cheaper in Utah as compared to the national car insurance average.

According to the Value Penguin stats, the average auto insurance Utah state minimums is $1,105 USD for one year.

Finding The Best Car Insurance in Utah

It's important to keep in mind that cheap car insurance is not always the best choice. All the insurance companies advertise their lowest costs, but it's imperative to perform research because of the financial stakes involved. It's important to know the rules and regulations that apply to each insurance policy to get the desired coverage in Utah in case of an accident. The research allows the drivers to opt for car insurance that provides the best bang for their buck.

The following factors play important roles and help a great deal while choosing any car insurance Utah:

  • Reviewing the national and local fiscal stability of the insurance company
  • Claims satisfaction ratings
  • Understanding the vehicle and location-related risks
  • Reviewing the useful addons that insurer offers, if any

Understanding these factors will allow the customers to anticipate correctly the level of services that they'll receive.

Car Insurance Coverage in Utah According to Users’ Needs

The minimum requirement of insurance in the state of Utah is:

  • $25,000 coverage for bodily injury per person
  • $65,000 liability insurance of bodily injury per accident
  • $15,000 for property damage per accident

If a person goes for the minimum insurance coverage, they will owe $601 on average every year. It means that it’s 9 percent cheaper than the US average. Additionally, you can buy a better policy with collision and comprehensive coverage that protects the drivers against:

  • Vehicular collisions damage
  • Theft
  • Vandalism
  • Weather incidents

It's important to keep in mind that better car insurance doesn't come without a cost. For example, the comprehensive policy with a $1000 deductible will cost $1,013, which is about 69 percent more than the basic coverage in Utah. If a person opts for a comprehensive insurance policy with a $500 deductible, they should expect to pay about 87 percent more as compared to the basic insurance policy. The average car insurance rates in the state of Utah for comprehensive and basic coverage are as follows:

Location

Liability-Only

Comprehensive: $500 Deductible

Comprehensive: $1,000 Deductible

National Average

$657.66

$1,397.94

$1,241.26

Utah

$600.64

$1,122.74

$1,012.94

Cheap Auto Insurance in Utah for Drivers with a Bad Record

People with a bad driving record will have to pay much higher premiums for their car insurance. In the state of Utah, car insurance premiums usually increase by the following:

  • 14 percent after a speeding ticket
  • 29 percent after an at-fault accident
  • 29 percent after a DUI (driving under the influence)

However, the post-citation penalties are also slightly lower as compared to the national averages. The following table explains the annual rate and increases along with the rating factor.

Rating Factor

Annual Rate

Increase Percentage

Bad Credit

$2,260

51.71 Percent

Speeding Violation

$1,269

14.00 Percent

DUI

$1,522

28.30 Percent

At-Fault Accident

$1,549

29.51 Percent

Cheap Car Insurance in Utah for Young Drivers

Young drivers between the ages of 16 and 25 years old have to pay a higher price for car insurance Utah. The insurance prices are most expensive for drivers between the ages of 16 to 19 because of the higher risk factor that the more inexperienced drivers present. It makes the state of Utah one of the most expensive car insurance states in the whole country for teens. The average car insurance cost for the teens is about 5 thousand dollars, which amounts to a figure that’s about five times higher than the car insurance cost for the older people in Utah.

The following table explains the insurance costs in Utah for teens.

Age

Annual Rate Alone

Annual Rate with Parents

16

$5,806

$5,968

17

$5,009

$5,654

18

$4,379

$5,680

19

$2,672

$4,869

Cheap Car Insurance in Utah for Drivers with Good Records

n the state of Utah, drivers with a good driving record have to pay a lower auto insurance cost. On average, drivers with no recent violation can easily save 14 percent on their annual premiums. It's a little lower than the national average, which is 17 percent. Moreover, many car insurance companies also offer a safe driving bonus, which varies from company to company. Typically, drivers with a good driving record can earn a discount bonus of 5 to 10 percent based on keeping their driving record clear of infractions. The following table explains the savings with a good driving record in Utah.

Rating Factor

Savings in Dollars

Savings Percentage

Good Credit

$1,169

51.71 Percent

No Accidents

$457

29.51 Percent

No Traffic tickets

$178

14.00 Percent

Best Insurance Companies in the State of Utah!

The following table contains the best and most affordable car insurance companies in Utah with a good customer service rating.

Ranking

Company

Average Annual Premium

10

Allstate

$1,976

9

State Farm

$1,859

8

Travelers

$1,504

7

American Family

$1,478

6

Progressive

$1,460

5

Cal Casualty

$1,329

4

Nationwide

$1,231

3

Allied

$1,120

2

Safeco

$1,040

1

Bear River

$769

Final Word

Finding the right car insurance company can be a very challenging task. We hope that this guide will help you to find the best car insurance Utah that serves your needs the best. Moreover, you can apply for quotes from Official Car Insurance. It’s the best platform to compare car insurance quotes and pricing that have a range of auto insurance carriers. Get your quote today and find the best car insurance provider for coverage in Utah.