What is the best car insurance in Utah?
The Best Car Insurance Companies in Utah
- Geico. Drivers searching for low-cost auto insurance Utah companies should make sure Geico is on their shortlist.
- Allstate. Allstate is at the pricier end of the full coverage premium spectrum with an average cost of $1,468 in Utah.
- Progressive. Along with Geico, Progressive is another low-cost auto insurance Utah option. ...
- State Farm. ...
- USAA. ...
What company provides the cheapest auto insurance?
- USAA has the cheapest car insurance company in the United States
- Erie Insurance and Farm Bureau provide affordable car insurance in some states
- Metromile and Root Insurance provide pay-per-mile car insurance
Who has the cheapest auto insurance rates?
Who Has The Cheapest Auto Insurance?
- USAA: Cheapest Car Insurance For Military. USAA is reserved for military members and their immediate family members. ...
- Erie: Cheapest Auto Insurance For Multi-Car Homes. Erie Insurance provides cheap car insurance quotes online and is also known for having a positive customer service track record.
- Root Insurance: Cheapest Usage-Based Car Insurance. ...
What is the average car insurance rate in Utah?
In Utah, the average cost for car insurance is $332 per annum for a minimum coverage policy and $1186 for a complete coverage policy. A minimum coverage policy provides only state minimum coverage, while a full coverage policy offers collision and comprehensive coverage to protect your vehicle against losses such as theft and fire.
How much is monthly car insurance in Utah?
How much is car insurance in Utah per month? The average car insurance rates in Utah are $332 per year for a minimum coverage policy and $1,186 or a full coverage policy. On a monthly basis, that breaks down to about $27 per month for minimum coverage and $98 per month for full coverage.
What is the cheapest place to get car insurance?
USAA, Erie Insurance, State Farm, Geico and Progressive offer the cheapest car insurance. Below we highlight the cost rating scores and the monthly average rates of both minimum liability coverage and full coverage policies. You will also find what we consider each company's ideal driver.
Is car insurance cheaper in Utah?
Auto-Owners has the cheapest full-coverage car insurance in Utah, at $111 per month. Progressive, a close second, is only $11 more per month, just a little more expensive than Farm Bureau....Cheapest full-coverage car insurance in Utah: Auto-Owners.CompanyMonthly rateState Farm$131Geico$1523 more rows•Aug 19, 2022
Which one is the cheapest insurance group?
Group 1What is the cheapest insurance group? Insurance groups range from 1 to 50, with 1 being the cheapest and 50 being the most expensive. Group 1 is the lowest insurance, but it's a fairly uncommon category so it's best not to box yourself into the idea of finding a group 1 model.
Is Geico really the cheapest?
The cheapest car insurance company overall: Geico Geico is the cheapest major auto insurance company in the nation, according to NerdWallet's most recent analysis of minimum coverage rates. Geico's average annual rate was $354, or about $29 per month.
Is Progressive or Geico cheaper?
Geico ranked higher than Progressive in our customer survey and offers cheaper rates. Geico also ranked second when we asked consumers how likely they were to recommend their insurer to others.
What auto insurance is required in Utah?
The following minimum car insurance coverages are required in Utah: Bodily injury liability: $25,000 per person and $65,000 per accident. Property damage liability: $15,000 per accident. Personal injury protection: $3,000 per accident*
Is it illegal to drive without insurance in Utah?
Driving without insurance in Utah is classified as a class B misdemeanor and can result in fines ranging from $400 to $1,000 if you are convicted. Your license may also be suspended. In order to reinstate it, you will need to have an SR-22 form filed.
Is USAA a good company?
USAA has an A++ (Superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB). In our 2022 car insurance survey that polled 1,000 consumers, 64% of USAA policyholders stated they were very satisfied with the company, the highest of any insurer.
Are older cars cheaper to insure?
Are older cars cheaper to insure? Yes, most older cars are cheaper to insure, especially in terms of comprehensive and collision insurance. Cars lose value as they age, so the potential insurance payouts after an accident drop as well.
Is it more expensive to insure a new or old car?
Due to their value, cost to repair, risk of theft and other factors, it may cost more to insure a new car versus an older one. If your new vehicle is financed, your lender will likely require you to carry more insurance than the legal minimum, which typically results in higher premiums.
What is the highest car insurance group?
50The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 (cheapest to insure) to 50 (the most expensive).
Is car insurance cheaper in Maryland or Virginia?
The average premium is Maryland is $1,327, just 1 percent above the national average and down a full 21 percent from 2016. And Virginia, which has more rural areas, is toward the bottom of the list, at $1,040.
How much does car insurance cost in Maine?
The average cost of car insurance in Maine is $452 per year, or $38 per month, for a minimum coverage policy. The average cost for full coverage is $1,051 per year, or $88 month.
What is one of the least expensive states for car insurance?
When it comes to low-priced states, Ohio has the cheapest rates in 2022. Maine came in second, followed by Idaho, Vermont and Oregon. In Ohio, the average premium is $1,023, which is about 40% less than the national average, which is $1,682.
Is USAA only for military?
USAA is open to the military and their eligible families, so that means not everyone is eligible to join. Before we can offer a product or a service to someone, they'll need to find out if they're eligible.
What is the best price for car insurance in Utah?
We found the best average price for minimum coverage in Utah from Farm Bureau, at $574 per year. Auto-Owners has the best price for full coverage,...
How much will I spend on car insurance in Utah?
The average price for a minimum-coverage policy in Utah is $793 per year. However, we found much cheaper rates from Farm Bureau and Auto-Owners. Ad...
How much is car insurance in Utah per month?
The average monthly cost of car insurance in Utah is $66 for a minimum-coverage policy and $143 for full coverage.
Why is car insurance so expensive in Utah?
Utah's average insurance price of $1,710 per year for full coverage actually makes it the 18th-cheapest state for car insurance.
What kind of car insurance do I need in Utah?
You're required to have $25,000/$65,000 of bodily injury liability and $15,000 in property damage coverage in Utah. In addition, you need at least...
Who has the cheapest car insurance in Utah?
USAA ($448) and GEICO ($584) offer the cheapest premiums for Utah drivers.
How much is car insurance in Utah?
Car insurance in Utah is reasonably priced, depending on your insurance company. On average, full coverage insurance in Utah is 9% cheaper than the...
How much is car insurance in Utah per month?
Your monthly rates will vary based on you and your driving profile. Using our average user profile, drivers with liability-only in Utah pay $49 per...
What Else Should I Have?
Collision and comprehensive insurance: While liability and PIP insurance look like they cover a lot of problems, they don’t cover damage to your own car. If someone else crashes into your vehicle you can sue them or use collision insurance.
Can I Show My Insurance ID Card from My Phone?
See if your auto insurance company has a mobile app that gives you easy access to an electronic ID card.
When Can a Vehicle Be Totaled?
In Utah, an insurance company can decide if a car is “totaled” after it’s badly damaged. This is based on the cost of repairs vs. the value of the vehicle.
What is UMPD insurance?
A related coverage is uninsured motorist property damage (UMPD). This pays your damage bills from an uninsured motorist, whether they’ve crashed into your car or your property, like a fence. If you don’t have collision coverage, you must buy UMPD in Utah.
What happens if you get caught driving uninsured?
If you get caught driving uninsured, there’s a good chance you’ll pay more when you buy your next auto insurance policy. That’s because many insurers view a lapse in car insurance history as a higher risk. If you need to buy Utah car insurance, Geico might be your best bet, based on our analysis. Military members and veterans can find competitive prices at USAA.
How much does a driver have to have to have PIP insurance?
Drivers must have at least $3,000 per person in PIP insurance to cover these medical expenses:
What factors do insurance companies use to determine the rate of a car in Utah?
Car insurance companies will often use your driving record, past claims, vehicle model and more when setting a rate. In Utah, insurers can also use these factors.
What is the cheapest car insurance in Utah?
Companies with the cheapest car insurance for drivers in Utah with a DUI are: USAA: $1,188 per year (for current and former military members only) American Family: $1,426 per year. USAA has the lowest rates for Utah drivers with or without a DUI.
How much does car insurance cost in Utah?
The average cost of car insurance for drivers with a DUI is $1,723 per year, while drivers without a DUI pay $1,154.
What are the largest insurance companies in Utah?
The three largest insurance companies in Utah based on market share scores are State Farm (15.3%), Allstate (11.3%) and GEICO (9.6%). Market share is measured by dividing the number of premiums written by an insurance company by the number of total premiums written in the state.
What is the minimum liability insurance in Utah?
The most affordable auto insurance companies in Utah for minimum liability coverage are: USAA: $356 per year (for current and former military members) GEICO: $393 per year. The most expensive carrier for minimum coverage in the state is American Family, with an average cost of $995 per year.
How long can you drive without a traffic violation in Utah?
The Utah DMV uses a point system to mark your record of traffic violations. According to Utah Courts, if you drive one year without being convicted of a moving traffic violation, half of the points on your driving record will be removed. If you drive two years without a moving traffic violation, all of the points on your record will be removed. In most cases, clearing your record is a waiting game.
What is full coverage insurance in Utah?
A full coverage policy in Utah provides comprehensive and collision coverage, which protects drivers from on-road accidents and off-road incidents.
How long can you keep your Utah driver's license if you are stationed out of state?
If your license expires while you are on active duty outside of Utah, you may continue to use your license for up to 90 days after your discharge before filing for an extension or renewing it.
What happens if you get a ticket in Utah?
The impact of tickets on auto insurance rates in Utah. If you receive a ticket or citation, your auto insurance premiums may rise. By how much depends on the type of violation, your insurer's pricing standards, and local insurance regulations.
How much does a teenager pay for auto insurance?
Utah is one of the most expensive states in which to insure a teen driver. The average Utah teen pays $5,004 per year — almost five times as much as an older Utah driver.
How much does comprehensive insurance cost in Utah?
It's worth noting that better auto insurance comes at a cost: in Utah, a comprehensive insurance policy with a $1,000 deductible costs $1,013, 69% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 87% more than you would for a basic policy.
How long does a DUI in Utah last?
Penalties are also increased for a DUI with a passenger under 16 in the vehicle. First-time DUI offenses in Utah lead to: 48 hours to six months in jail.
How much does a teen driver pay in Utah?
Utah is one of the most expensive states in which to insure a teen driver. The average Utah teen pays $5,004 per year — almost five times as much as an older Utah driver. Age. Annual Rate with Parents.
What to do if you are uninsured?
Sorry to hear about your accident. If you're uninsured, your only recourse is to sue the individual who stole the vehicle.
Does driving record affect insurance rates?
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 29% after a DUI, 29% after an at-fault accident, and 14% after a speeding ticket in Utah. The post-citation penalties assessed by car insurance companies after driving violations in Utah are slightly lower than national averages. If you have a clean driving record, be sure to check for good driving discounts from your insurer.
The Overall Winner: GEICO
You might have heard GEICO’s claim “15 minutes could save you 15% or more on car insurance.” But does it really offer low-cost insurance?
The Best for Customer Service: State Farm
If customer service, not cost, is the primary factor for buying car insurance for you, State Farm might just be the one for you. It recently earned a perfect score in overall satisfaction in J.D. Power study for the Utah region.
Best for High-Risk Drivers: Progressive
Are you a new driver looking for coverage that does not cost you an arm and a leg? Or perhaps you are an experienced driver but have just recently piled up a few citations and now can’t seem to get an affordable quote?
Best for Optional Coverages and Discounts: Allstate
Allstate, the fourth largest insurer in the US by market share, offers a range of discounts to drivers from all walks of life. It is especially generous to safe drivers, for whom it has multiple discount programs running, such as Allstate’s vanishing deductible, Safe Driving Bonus Check, and Allstate Rewards program.
Best for Dividends: Amica Car Insurance
Amica is one of the best performing US mutual insurance companies. That’s why our list of best insurance companies in Utah would be incomplete if it didn’t include its name.
Cheap Auto Insurance in Utah (By City)
To find out auto insurance rates in major cities in Utah, we gathered a quote for a 40-year-old single male with a clean record from all major players. Our referenced vehicle was a 2018 Honda Accord, and our quote included full coverage limits.
Utah Car Insurance Laws
Car insurance is mandatory in Utah, but that doesn’t mean every driver gets coverage in the voluntary market. If you are classified as a high-risk driver, you may well find your application getting rejected left and right. But all is not lost. Help is available, and it goes by the name of Utah Automobile Insurance Plan (UAIP).
Cheapest car insurance companies in Utah
Everything from the car you drive to your age and address will affect what you pay for car insurance. But exactly how insurers use that personal information varies by company, which is why some will offer you more affordable coverage than others.
Cheapest car insurance companies by age in Utah
Young drivers pay the highest car insurance rates of any age group thanks to their inexperience behind the wheel. Many drivers see a price drop when they turn 25, but that isn’t always the case, especially for young drivers who’ve had accidents and filed claims.
Car insurance rates for drivers with driving violations in Utah
Your driving record is one of the most important factors that car insurance companies consider, and any accidents or moving violations in your recent history will mean higher rates.
Cheapest car insurance for drivers with bad credit in Utah
A few late payments might not seem like a big deal, but a bad credit score can mean higher car insurance rates. Utah drivers with poor credit should make sure to shop around to find the company that will offer them the most affordable coverage.
Car insurance costs in Utah cities
Utah drivers who live in bigger cities generally pay higher car insurance rates than drivers in rural areas. More people on the road means more accidents and filed claims, which increases the cost of car insurance for everyone. Below are the average car insurance rates for the 10 largest cities in Utah:
Buying car insurance in Utah
Utah state law says that all drivers must have car insurance that meets the state minimum amounts, which are:
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
How much liability insurance is required in Utah?
These include liability insurance minimums of $25,000 per person for bodily injury, $65,000 per accident for bodily injury and $15,000 per accident for property injury. For savvy auto insurance buyers, this translates to 25/65/15. Remember: Be sure to keep proof of your insurance on hand at all times, as you could be cited even if you’re compliant with these minimums.
What happens if you don't carry insurance in Utah?
Failure to carry insurance can result in a fine of between $400 and $1,000. Utah won’t renew a driver’s license until the minimum car insurance requirements are met and he or she pays a reinstatement fee. To learn the full rundown on auto insurance compliance in Utah, visit the state’s online auto insurance resource.
What percentage of Utah drivers are uninsured?
Despite the fact that Utah’s minimum requirements are more expensive than many states, only about 8 percent of its drivers are uninsured, which compares favorably with a national average of 13.8 percent. Perhaps because of this, Utah does not mandate that drivers obtain uninsured motorist insurance.
Does Utah require PIP insurance?
Check out our liability coverage page. Comprehensive and collision insurance aren’t required in Utah, but because it’s a “no-fault” state, Utah does mandate that all drivers carry personal injury protection (PIP) in the amount of $3,000. This is coverage that will be used toward medical expenses from an accident.
Does Utah require uninsured motorist insurance?
Perhaps because of this, Utah does not mandate that drivers obtain uninsured motorist insurance. Remember that meeting Utah’s auto insurance requirements constitutes the bare minimum; you may choose to consider additional PIP to go toward medical payments, as well as collision insurance and comprehensive coverage.
Does Utah offer discounts on car insurance?
Your car insurance premium only tells half the story. The many discounts you may be eligible for round out the rate. Utah auto insurance discounts run the gamut, from good student discounts and bundled policy discounts, to employer or affinity group discounts and safe driving discounts.
Does Utah have car insurance?
Luckily, by following all of the car insurance requirements for Utah, you can enjoy the ski slopes , canyoneering and kayaking without worrying about bumping into a new friend on the way there without proper coverage. This guide will point you in the right direction.
How much does car insurance cost in Utah?
The average cost of car insurance in Utah is $1,258 per year, which is 16.5% less than the overall national average rate of $1,506 per year. Car insurance cost per month in Utah averages $105 for full coverage.
Is Utah car insurance more expensive than other states?
When compared to states that share a border, Utah car insurance rates are 22.5% less than Colorado, 10.1% less than Wyoming, 4.7% more than Idaho, 24.8% less than Nevada, 7.2% less than Arizona, and 3.3% less than New Mexico.
Utah car insurance rates by automotive segment
The chart below shows average car insurance rates in Utah for each of the different automotive segments. This data is useful when shopping for vehicles but you may not know which type of vehicle has the cheapest average car insurance rates.
Which models have cheap car insurance in Utah?
Vehicles with the cheapest car insurance quotes in Utah for their segment include the Mazda CX-30 at $1,014 per year, the Chevrolet Spark at $992 per year, the Mazda 6 at $1,160 per year, and the Chevrolet Blazer at $1,036 per year.
Car insurance rate variability
For most people, it’s difficult to understand how much car insurance rates can vary or the number of different factors that go into a rate calculation.
Average rates in larger Utah cities
Listed below are average car insurance rates for some of the larger cities in Utah. Visit any page to view detailed rate information, including the models with the cheapest car insurance cost in each city.
