Cheapest Car Insurance In Utah (2024) (original) (raw)

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10/18/2024 08:00 AM

Due to the increasing costs of car insurance, it is advisable for drivers in Utah to compare different policy options and choose the most affordable coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.

In this review, we will describe the most effective methods to lower your insurance costs and tell you where to find the least expensive car insurance in Utah that suits your driving habits.

Key Points

• USAA is the cheapest car insurance company in Utah overall, with an average rate of $43 per month for minimum coverage and $147 per month for full coverage.
• GEICO and Auto-Owners also offer affordable car insurance rates for many driver profiles.
• You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.

Cheapest Car Insurance Rates in Utah

Different car insurance companies have varying ways of evaluating driver profiles. This means that the provider offering the lowest rates for one driver may not be the most affordable option for you. To give you an idea, here is a breakdown of the least expensive auto insurance providers and their prices for various driver profiles in Utah.

*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.

What Is The Cheapest Car Insurance Company In Utah?

In general, we discovered that USAA provides the most affordable car insurance in Utah for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Utah.

These rates apply to drivers in Utah who are of various ages, live in different places, and have diverse driving experiences. The cheapest companies are organized by minimum coverage costs.

Cheapest Minimum Coverage In Utah: USAA

Drivers looking for the most affordable coverage that just meets Utah state minimum requirements may find it at USAA for about $43 per month or $520 per year on average.

Cheapest Full Coverage In Utah: GEICO

If you want the most complete coverage for the lowest cost, GEICO is the best option. The provider offers full-coverage insurance for an average of $122 per month.

Full-coverage insurance policies in Utah generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.

Cheapest Car Insurance In Utah: Age

Below, you’ll find average insurance costs for Utah drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers aged 30 to 55 often receive the most affordable auto insurance rates because they have more experience driving. Additionally, statistics show that they are less likely to be involved in car accidents compared to younger drivers.

Average Car Insurance Rates By Age

Cheapest Utah Car Insurance: Young Drivers

As mentioned, drivers in their teens and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers have less practice driving and are more likely to break traffic rules and have car crashes.

In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.

Cheapest Utah Car Insurance For 16-Year-Olds: GEICO

If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Utah.

The company’s cheapest average rates for 16-year-old drivers are $170 per month or $2,044 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $477 per month or $5,728 per year from GEICO.

Cheapest Utah Car Insurance For 25-Year-Olds: GEICO

Car insurance rates decrease a lot for young drivers in their 20s when you compare them to what teenage drivers pay. But, depending on the insurance company you go with, the rates for this age group can still be quite high.

GEICO provides the cheapest car insurance costs on average at $46 per month or $547 per year for minimum coverage. GEICO costs $130 per month or $1,555 per year for full coverage.

Cheapest Utah Car Insurance: Adult Drivers

People who are in their 40s often have to pay the least amount of money for car insurance. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.

Cheapest Utah Car Insurance For 35-Year-Olds: USAA

Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $39 per month or $466 per year. For full coverage, GEICO’s rates average $114 monthly or $1,368 annually.

Cheapest Utah Car Insurance For 45-Year-Olds: USAA

Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $37 per month or $446 per year. The cheapest full coverage comes from GEICO at $121 per month or $1,454 per year.

Cheapest Utah Car Insurance For 55-Year-Olds: USAA

USAA often offers the most affordable car insurance rates in Utah to drivers who are in their 50s. The insurer’s average premiums are $36 monthly or $434 annually for minimum coverage. The cheapest full coverage option is from GEICO, costing $121 monthly or $1,454 annually

Cheapest Car Insurance In Utah: High-Risk Drivers

Besides the type of coverage and age, your driving safety greatly affects how much you will have to pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.

Average Car Insurance Rates For High-Risk Drivers

Drivers who are considered high-risk because of their numerous violations have to pay higher car insurance rates than the average driver. On average, Utah motorists who are deemed high-risk may find the most affordable rates from Farm Bureau for minimum coverage or Progressive for full coverage.

Cheapest Utah Car Insurance For Drivers With A Speeding Ticket: USAA

Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $56 per month or $675 per year for minimum coverage and $190 per month or $2,284 per year for full coverage.

Cheapest Utah Car Insurance For Drivers With An At-Fault Accident: USAA

Getting into a car accident in Utah could lead to higher rates for your car insurance. USAA tends to offer the most affordable rates on average at about $66 per month or $789 per year for minimum coverage and $217 per month or $217 per year for full coverage.

Cheapest Utah Car Insurance For Drivers With A DUI: Farm Bureau

If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Utah from Farm Bureau for $58 per month or $698 per year on average. They also have rates of $207 monthly or $2,482 annually for full coverage.

Cheapest Utah Car Insurance For Drivers With Poor Credit: GEICO

People who have bad credit have to pay more money for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $76 per month or $909 per year and an average full-coverage rate of $231 per month or $2,772 per year.

Average Cost Of Car Insurance In 10 Utah Cities

Another thing that determines how much you’ll pay for car insurance in Utah is the location of your residence. Auto insurance companies consider drivers riskier to cover in areas with:

• Larger groups of people
• There are increasing numbers of cars driving on the road.
• More frequent car accidents
• More instances of breaking traffic rules
• More incidents of car theft and auto vandalism
• Extreme weather conditions

Certain factors that increase the chance of risk tend to impact people who own cars in bigger cities. That’s why drivers in busy cities have to pay the highest average amount for car insurance with the minimum coverage. On the other hand, drivers in less populated rural areas with lower crime rates are more likely to get lower priced car insurance.

Top 5 Car Insurance Companies In Utah

We’ve looked at more than 40 insurance companies in Utah, not just on cost, but also on coverage, service, and reliability. Based on our analysis, we have identified the top five insurers. Based on our research, we found USAA to be the best provider for most drivers in Utah. Here are the overall ratings we have given to our suggested options.

*The overall and category ratings above are based on nationwide factors.

How To Get The Cheapest Car Insurance In Utah

In Utah, you have multiple ways to reduce how much you pay for car insurance. These include:

• Opting for minimum coverage: If you get the minimum required coverage in your state, your car insurance will cost you the least amount of money.
• Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
• Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
• Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
• Comparing quotes: Getting price estimates from different companies can give you an idea of which provider will give you the best offer.

Many insurance companies offer usage-based insurance programs, which are a good way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount. However, certain programs may increase your rates if you engage in risky driving behaviors.

Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.

What Does Utah Require For Car Insurance?

Drivers in Utah must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:

• $65,000 bodily injury liability per accident
• $25,000 bodily injury liability per person
• $15,000 property damage liability per accident
• $3,000 personal injury protection

Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.

Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.

Our Take: Best Cheap Car Insurance In Utah

When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Utah. While the above costs can give you an idea of what you’d pay for car insurance in Utah, requesting a customized quote will help give you a more accurate picture of what you’ll pay.

Companies usually offer two ways to get a quote for car insurance: through a quick and free online tool, or by calling an agent or representative. Once you have gathered quotes from at least three providers, take the time to compare them and find the one that suits you best.

Best Cheap Car Insurance In Utah: FAQ

Here are some frequently asked questions about car insurance in Utah:

How much is car insurance per month in Utah?

The average cost of minimum-coverage car insurance in Utah is $72 per month or $869 per year. For full coverage, the average is $208 per month or $2,494 per year.

Is Utah Car Insurance Cheaper?

Utah auto insurance is typically more expensive than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinUtahis∗∗670 per year, while the average in Utah is 670peryear,whiletheaverageinUtahis∗∗869 per year. For full coverage, residents of Utah pay about $2,494 per year on average, which is more than the national average of $2,216 per year.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.