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Crash Course:
- Car insurance coverage in Utah averages $62 per thirty days for minimum-coverage insurance policies and $153 every month for full protection.
- Auto-Owners affords the bottom common costs in Utah for minimal protection, whereas GEICO supplies the most cost effective full-coverage charges on common.
- High-risk drivers with at-fault accidents, DUIs, and dashing tickets on their driving information usually get charged extra for Utah automotive insurance coverage.
The most cost-effective automotive insurance coverage in Utah is usually from Auto-Owners, which affords a mean price estimate of $40 per thirty days for minimal protection. USAA usually sells the second-cheapest protection to Utah drivers, with charges which can be almost equal to these from Auto-Owners.
Our staff thought-about price information, protection selections, buyer critiques, and total reputations to seek out out which firms provide the most effective automotive insurance coverage in Utah. We’ll break down every supplier’s common prices to indicate the place to seek out high-quality however reasonably priced insurance coverage within the Beehive State.
Best Car Insurance Rates in Utah
Auto-Owners, USAA, and GEICO have a tendency to supply the most cost effective auto insurance coverage charges for Utah drivers. It’s finest to get free quotes from different suppliers as effectively, nevertheless, to find out whether or not one other firm may have decrease costs in your car.
- Our researchers used price information from Quadrant Information Services to seek out insurance coverage premium estimates for various protection varieties, driver profiles, and cities in Utah. We used this information to find out the most cost effective protection choices from high quality automotive insurance coverage suppliers, and also you’ll discover particulars in tables all through the article.
- To decide an total ranking for every high insurance coverage firm, our staff considers not solely affordability but in addition trade standing, availability, and protection choices. We then issue within the buyer expertise and on-line critiques to ascertain a numerical ranking out of the very best potential rating of 5.0.
- Unless acknowledged in any other case, estimates replicate the profile of a 35-year-old driver with a clear driving document and good credit score historical past.
- You’ll discover detailed price estimates within the sections beneath, however we’ve listed out the most cost effective auto insurance coverage firms in Utah for a number of driver profiles right here:
- Cheapest full protection: GEICO adopted by Auto-Owners
- Cheapest minimal protection: Auto-Owners adopted by USAA
- Cheapest for teen drivers: GEICO adopted by Auto-Owners
- Cheapest for drivers with a visitors violation: State Farm adopted by GEICO
Cheapest Car Insurance Companies in Utah
Below is a list of the automotive insurance coverage suppliers that supply Utah’s finest mixture of affordable costs and excellent protection plans. While Auto-Owners has the Beehive State’s most cost-effective charges, State Farm earned the very best rating of any firm we researched.
Car Insurance Provider | Overall Rating | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage | Number of Discounts |
State Farm | 4.7 | $48 | $127 | 12 |
USAA | 4.6 | $40 | $115 | 13 |
GEICO | 4.6 | $41 | $88 | 16 |
Auto-Owners | 4.3 | $40 | $113 | 12 |
Progressive | 4.4 | $67 | $127 | 13 |
Cheapest Car Insurance Coverage in Utah
The most cost-effective automotive insurance coverage in Utah will probably be minimum-liability protection in nearly each occasion. While this may meet the state’s authorized necessities for automotive insurance coverage, it received’t shield your personal car or handle private bodily accidents after an accident.
Getting a full-coverage auto insurance coverage plan will cowl your personal car and medical bills as an alternative of solely these for different motorists. This will price fairly a bit greater than minimal protection however may result in massive financial savings down the highway.
Cheapest Minimum-Liability Car Insurance in Utah
The common price estimate for a minimum-coverage coverage in Utah is $62 per thirty days or $744 per 12 months. Auto-Owners generally affords the state’s most cost-effective minimum-liability insurance policies with estimates of $40 per thirty days or $480 per 12 months.
Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Yearly Rate for Minimum Coverage |
Auto-Owners | $40 | $480 |
USAA | $40 | $480 |
GEICO | $41 | $492 |
State Farm | $48 | $576 |
Utah Farm Bureau | $53 | $636 |
Progressive | $67 | $804 |
Alpha Insurance | $74 | $888 |
Allstate | $79 | $948 |
Kemper | $82 | $984 |
Farmers | $94 | $1,128 |
Cheapest Full-Coverage Car Insurance in Utah
The common price for full-coverage auto insurance coverage in Utah is $153 per thirty days or $1,836 per 12 months. GEICO usually has the most cost effective common price estimates for full-coverage insurance coverage at $88 month-to-month or $1,056 per 12 months.
Car Insurance Provider | Average Monthly Rate for Full Coverage | Average Yearly Rate for Full Coverage |
---|---|---|
GEICO | $88 | $1,056 |
Auto-Owners | $113 | $1,356 |
USAA | $115 | $1,380 |
Progressive | $127 | $1,524 |
State Farm | $127 | $1,524 |
Utah Farm Bureau | $150 | $1,800 |
Kemper | $171 | $2,052 |
Allstate | $186 | $2,232 |
Farmers | $200 | $2,400 |
Alpha Insurance | $255 | $3,060 |
Utah Car Insurance Quotes by Driver Profile
It’s extraordinarily seemingly that your costs for automotive insurance coverage in Utah received’t look precisely like these above. After all, auto insurers set particular person premiums primarily based on elements together with your age, driving document, and site throughout the state.
Cheapest Car Insurance in Utah: Age
Age performs an enormous position within the worth you’ll pay for automotive insurance coverage in Utah. Young drivers and particularly teen drivers pay rather more on common for auto protection than these of different ages. In the desk beneath, you’ll discover the speed estimates for Utah drivers of various ages:
Driver Age | Average Monthly Rate for Minimum Coverage | Average Monthly Rate for Full Coverage |
16 | $332 | $755 |
25 | $70 | $178 |
35 | $62 | $153 |
45 | $60 | $146 |
55 | $57 | $137 |
Cheapest Car Insurance in Utah: High-Risk Drivers
Those with clear driving information usually get cheaper automotive insurance coverage charges within the Beehive State. Any at-fault accidents or visitors violations akin to dashing tickets or DUIs may lead to greater auto insurance coverage premiums.
How a lot your driving historical past impacts month-to-month prices is determined by your chosen automotive insurer. Below is a listing of the highest insurance coverage firms in Utah and their common minimum-coverage charges for good drivers versus these marked as high-risk drivers.
Car Insurance Provider | Average Monthly Rate for Clean Driving Records | Average Monthly Rate for High-Risk Drivers |
State Farm | $48 | $55 |
GEICO | $41 | $64 |
USAA | $40 | $64 |
Utah Farm Bureau | $53 | $67 |
Progressive | $67 | $79 |
Auto-Owners | $40 | $80 |
Alpha Insurance | $74 | $90 |
Kemper | $82 | $100 |
Allstate | $79 | $102 |
Farmers | $94 | $134 |
Car Insurance Rates in Utah: Speeding Ticket
Even when you obtain only one dashing ticket, anticipate charges for automotive insurance coverage in Utah to spike. GEICO usually has the state’s most cost-effective automotive insurance coverage after a dashing ticket with a mean price estimate of $51 per thirty days or $612 per 12 months.
Car Insurance Provider | Average Monthly Rate After a Speeding Ticket | Average Yearly Rate After a Speeding Ticket |
GEICO | $51 | $612 |
USAA | $52 | $624 |
State Farm | $53 | $636 |
Auto-Owners | $54 | $648 |
Utah Farm Bureau | $60 | $720 |
Progressive | $77 | $924 |
Allstate | $87 | $1,044 |
Kemper | $89 | $1,068 |
Alpha Insurance | $90 | $1,080 |
Farmers | $123 | $1,476 |
Car Insurance Rates in Utah: At-Fault Accident
Drivers will even most likely face greater prices in the event that they’re discovered at fault for a automotive accident. State Farm usually affords the most cost effective protection for Utah drivers after a current accident, with a mean price estimate of $58 per thirty days or $696 per 12 months. USAA and Auto-Owners are recognized to have reasonably priced protection for drivers with an at-fault accident as effectively.
Car Insurance Provider | Average Monthly Rate After an At-Fault Accident | Average Yearly Rate After an At-Fault Accident |
State Farm | $58 | $696 |
USAA | $62 | $744 |
Auto-Owners | $66 | $792 |
GEICO | $67 | $804 |
Utah Farm Bureau | $82 | $984 |
Progressive | $87 | $1,044 |
Alpha Insurance | $102 | $1,224 |
Allstate | $114 | $1,368 |
Kemper | $114 | $1,368 |
Farmers | $148 | $1,776 |
Car Insurance Rates in Utah: DUI
A violation for driving below the affect (DUI) could make Utah auto insurance coverage premiums rise rapidly. For motorists with a DUI on their driving document, State Farm affords common estimates of $53 per thirty days or $636 per 12 months. The Utah Farm Bureau and Progressive additionally provide a few of the higher charges on automotive insurance coverage for these drivers.
Car Insurance Provider | Average Monthly Rate After a DUI | Average Yearly Rate After a DUI |
State Farm | $53 | $636 |
Utah Farm Bureau | $60 | $720 |
Progressive | $72 | $864 |
GEICO | $73 | $876 |
USAA | $78 | $936 |
Alpha Insurance | $79 | $948 |
Kemper | $97 | $1,164 |
Allstate | $104 | $1,248 |
Auto-Owners | $119 | $1,428 |
Farmers | $132 | $1,584 |
Average Cost of Car Insurance in Utah
The common price of automotive insurance coverage in Utah comes out to $744 per 12 months for minimum-liability insurance coverage and $1,836 yearly for full protection. These charges are 19% greater than the nationwide common for minimal protection however nearly 4% lower than the nationwide price for full protection.
Average Car Insurance Cost in Utah by City
Your location in Utah considerably impacts the auto insurance coverage premiums you’ll be charged. Potential danger elements akin to inhabitants density, crime charges, and climate patterns fluctuate between ZIP codes, so automotive insurance coverage charges will even. The desk beneath reveals the typical charges for automotive insurance coverage in Utah’s largest cities.
City in Utah | Average Monthly Rate for Minimum Coverage | Average Monthly Rate for Full Coverage |
Kearns | $75 | $177 |
West Valley City | $74 | $177 |
West Jordan | $70 | $167 |
Salt Lake City | $67 | $168 |
Sandy | $67 | $159 |
Orem | $67 | $159 |
Pleasant Grove | $66 | $158 |
Herriman | $65 | $156 |
Draper | $65 | $158 |
South Jordan | $64 | $155 |
Provo | $64 | $154 |
Ogden | $64 | $155 |
Roy | $63 | $152 |
Lehi | $63 | $151 |
Bountiful | $61 | $149 |
Layton | $61 | $148 |
Tooele | $58 | $148 |
St. George | $58 | $140 |
Logan | $53 | $136 |
Cedar City | $51 | $135 |
Utah Minimum Car Insurance Coverage
According to Utah legislation, all drivers should both meet or exceed the next minimum-coverage automotive insurance coverage necessities:
- $25,000 bodily damage legal responsibility per individual
- $65,000 bodily damage legal responsibility per accident
- $15,000 property harm legal responsibility per accident
- $3,000 private damage safety (PIP)
Utah is a no-fault state, which means that your personal auto insurer will seemingly pay for automotive damages no matter who induced an accident. While this method results in quicker claims payouts, it additionally usually results in greater automotive insurance coverage charges than the nationwide common.
While legal responsibility insurance coverage and PIP are useful, they don’t provide safety towards every part. Both insurance coverage brokers and consultants counsel that it’s higher to maneuver past state minimum-coverage automotive insurance coverage insurance policies. That’s as a result of greater limits may cease you from having to pay massive quantities of cash out of pocket after an accident.
If you have got collision protection and complete protection, you’ll be secure from restore prices after automotive accidents, extreme climate, and situations of theft or vandalism. Underinsured and uninsured motorist protection are vital forms of insurance coverage, and a few drivers may also recognize the safety given by roadside help.
Cheap Car Insurance in Utah: Conclusion
The most cost-effective automotive insurance coverage in Utah usually comes from Auto-Owners, which has common charges of $40 per thirty days. It’s important that you simply examine auto insurance coverage quotes from numerous suppliers, nevertheless, to study whether or not you would discover extra reasonably priced protection elsewhere.
You can also need to take into consideration the safety of a full-coverage coverage. The finest charges we discovered for full protection got here in as affordable as $88 per thirty days from GEICO. More protection usually means greater premiums, but it surely results in extra monetary safety and peace of thoughts.
Best Car Insurance in Utah: Recommended Providers
While sure firms are recognized to offer low-priced premiums for Utah drivers, you’ll must get automotive insurance coverage quotes from numerous suppliers to seek out your finest charges. We advocate contemplating GEICO and Auto-Owners as you begin your seek for Utah’s high auto insurer.
Cheapest Auto Insurance in Utah: FAQ
Which firm provides the most cost effective automotive insurance coverage?
State Farm often affords the most cost effective automotive insurance coverage relating to nationwide averages. Drivers in Utah are likely to obtain their lowest premiums from Auto-Owners and GEICO as an alternative.
How a lot is automotive insurance coverage per thirty days in Utah?
The common price of auto insurance coverage per thirty days in Utah is $62 for a minimum-coverage coverage and $153 for full protection. Our staff discovered charges for automotive insurance coverage in Utah as little as $40 per thirty days for minimal protection and $88 for a full-coverage coverage.
How to scale back automotive insurance coverage in Utah?
The best methods to lower your automotive insurance coverage price in Utah are by reducing your quantities and forms of protection, rising your deductible, and on the lookout for driver reductions. Improving your credit score rating and bundling protection with renters or owners insurance coverage are different methods to get decrease charges over time.
How a lot is automotive insurance coverage on common in Utah?
Car insurance coverage in Utah comes out to a mean of $744 per 12 months for minimal protection and $1,836 yearly for full-coverage insurance policies.
Is it unlawful to drive with out insurance coverage in Utah?
Yes, it’s unlawful to drive with out proof of insurance coverage in Utah. Expect to obtain a misdemeanor when you’re caught driving with out protection and present registration. It’s potential that you would be fined, have your driver’s license taken away, or need to serve time in jail.
Is it cheaper to pay automotive insurance coverage each six months or month-to-month?
You’ll nearly at all times pay much less when you cowl your automotive insurance coverage coverage each six months fairly than on a per-month foundation. Many auto insurers provide reductions for paying insurance policies upfront, although this financial savings alternative isn’t given by each supplier.
Our Methodology
Our skilled assessment staff takes satisfaction in offering correct and unbiased data. We recognized the next ranking classes primarily based on shopper survey information and performed intensive analysis to formulate rankings of the most effective automotive insurance coverage suppliers.
- Affordability: Quite a lot of elements affect price, so it may be troublesome to match quotes between suppliers. Our staff considers auto insurance coverage price estimates generated by Quadrant Information Services and low cost alternatives when giving this rating.
- Coverage: Because every shopper has distinctive wants, it’s important {that a} automotive insurance coverage firm affords an array of protection choices. We consider forms of insurance coverage obtainable, most protection limits, and add-on insurance policies.
- Industry Standing: Our staff considers Better Business Bureau (BBB) rankings, monetary energy, and years in enterprise when giving this rating.
- Availability: Auto insurers with larger state availability and few eligibility necessities usually tend to meet shopper wants.
- Customer Service: Reputable automotive insurance coverage suppliers function with a sure diploma of take care of customers. We contemplate complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and buyer suggestions.
- Online Experience: Insurers with easy-to-use web sites and extremely rated cell apps scored finest on this class.
*Data correct at time of publication.
Source: www.automoblog.web