Automobile

Best Car Insurance in Utah: Everything You Need To Know

Table of Contents

  • Utah Auto Insurance Costs by Insurer
  • Utah Auto Insurance Premiums by Driver Age
  • Utah Car Insurance Premiums by Gender and Marital Status
  • Average Utah Insurance Rates After A Violation or Accident
  • Utah Auto Insurance Premiums by Credit Tier
  • Expensive Utah Cities
  • Cheaper Utah Cities
  • List of Insurance Companies in Utah
  • No-fault Insurance in Utah Information

    Are you looking for the best car insurance Utah? Whether you’re a new resident or an old-timer who’s shopping around for a new policy, here’s what you need to know.

    Utah Auto Insurance Costs by Insurer

    ValuePenguin found these average annual insurance quotes to be the most affordable in Utah:

    • Allstate: $809
    • American Family: $1669
    • Auto-Owners Insurance: $1648
    • Farm Bureau: $619
    • Farmers Insurance: $878
    • GEICO: $837
    • Progressive: $675
    • State Farm: $594

      The website did not include USAA, with an average annual rate of $453, since the company only offers policies for military members, veterans, and family members.

      NerdWallet reports that these companies have the most affordable annual average premiums for minimum Utah coverage:

      • Allstate: $947
      • Esurance: $1181
      • Farm Bureau Financial Services: $1063
      • GEICO: $636
      • Nationwide: $1128

        Utah car insurance companies lowered their overall premium costs by 2 percent in 2020 after several years of increasing rates. State Farm lowered its rates by 10.5 percent from 2019 to 2020, while Progressive lowered rates by 7.7 percent and American Family by 1.8 percent.

        Utah Auto Insurance Premiums by Driver Age

        American Family, Farm Bureau, and GEICO tend to have the cheapest rates for Utah drivers in their teens and 20s. This age group has a higher risk for accidents, which results in higher insurance premiums than older drivers pay.

        Utah Car Insurance Premiums by Gender and Marital Status

        ValuePenguin reports that single drivers in Utah pay more than married drivers pay for auto insurance. You’ll save an average of $71 if you have a car insurance policy with your spouse. The most affordable monthly/annual insurance premiums in Utah for married couples include:

        • GEICO: $184/$2209
        • Progressive: $134/$1611
        • Farm Bureau: $131/$1571

          Average Utah Insurance Rates After a Violation or Accident

          According to data from WalletHub, drivers who have no history of claims, violations, or at-fault accidents can save between 10 and 30 percent on auto insurance with a good driver discount.

          NerdWallet reports that these companies have the lowest annual rates on average for drivers with clean records:

          • American Family: $2620
          • Esurance: $2293
          • Farm Bureau Financial Services: $2332
          • GEICO: $1819
          • Nationwide: $2430

            These companies have the best average annual minimum insurance rates for drivers with a recent at-fault accident:

            • Allstate: $1236
            • American Family: $1531
            • Esurance: $1594
            • GEICO: $839
            • Nationwide: $1302

              Utah Auto Insurance Premiums by Credit Tier

              According to The Zebra, Utah drivers pay an average annual premium of $1112 for auto insurance. Average rates for drivers with subpar credit include:

              • $1942 with fair credit.
              • $2105 with poor credit.
              • $2340 for those with the lowest credit scores.

                NerdWallet reports that these insurers offer the lowest annual minimum coverage rates, on average, for drivers who have poor credit:

                • Allstate: $1316
                • Esurance: $1802
                • GEICO: $813
                • Kemper: $1888
                • Nationwide: $1548

                  Expensive Utah Cities

                  Drivers in Utah pay an average of $2403 a year for full-coverage auto insurance and $909 a year for minimum legal coverage, which is about in line with the national average across the U.S. ValuePenguin reports that Utah drivers who live in Taylorsville, West Valley City, and Kearns tend to pay the state’s highest auto insurance premiums.

                  Cheaper Utah Cities

                  You’ll pay well below the state average for auto insurance if you live in Cisco, Thompson, or Moab. Rural areas tend to have lower car insurance rates than you’ll find in busier locales.

                  List of Insurance Companies in Utah

                  Bankrate recommends Utah consumers choose one of the top auto insurance companies for full coverage, as ranked by J.D. Power and Associates in 2020: Allstate, with an average annual premium of $1468; GEICO, with an average annual premium of $879; Progressive, with an average annual premium of $1191; State Farm, with an average annual premium of $1587; and USAA, with an average annual premium of $855.

                  No-fault Insurance in Utah Information

                  As a no-fault state, Utah requires drivers to have the following minimum auto insurance coverage:

                  • At least $3000 in personal injury protection (PIP).
                  • At least $15,000 in property damage liability coverage per accident.
                  • At least $25,000 in injury liability per person.
                  • At least $65,000 in injury liability per accident.

                    Under the state’s no-fault laws, your PIP insurance covers your medical bills up to your policy limits after an accident, no matter who caused the collision. Utah allows you to sue another driver only if you have serious injuries and share less than 50 percent of the fault for the accident. The state follows a modified comparative negligence rule, which means the court can reduce your damages award for an injury by your fault percentage.

                    Drivers who live in no-fault states often pay more for auto insurance than drivers in tort states, where it is easier to sue based on fault. In addition, fault always applies to property damage claims after an auto accident.

                    According to Bankrate.com, Utah ranks as the eighth-safest driving state in the nation. In fact, the state has the second lowest rate of fatalities caused by drunk driving. The Utah Department of Public Safety reported that fatalities decreased by 5 percent and overall collisions by 2 percent in 2019. These factors contribute to lower insurance rates for Utah drivers.

                    If you cannot qualify for private auto insurance in Utah because of a history of crashes or tickets for driving under the influence, you can apply for coverage through the state’s Utah Automobile Insurance Plan.

                    In addition to the minimum no-fault auto insurance coverage required in Utah, you might want to purchase a comprehensive and/or collision policy. Collision coverage pays to fix your car after an accident, while comprehensive coverage pays for loss because of natural disaster, weather events, vandalism, theft, or other noncollision incidents.

                    Drivers who want to save can shop for car insurance discounts based on employer, educational level, and other factors.

                    Sources:

                    https://www.bankrate.com/insurance/car/utah/

                    https://wallethub.com/car-insurance/utah

                    https://www.valuepenguin.com/best-cheap-car-insurance-utah

                    https://www.thezebra.com/auto-insurance/utah-car-insurance/utah-bad-credit/

                    https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-utah-ut/

                    https://www.caranddriver.com/features/a15108751/why-youtube-is-the-best-place-to-learn-how-to-fix-cars-column/

                    https://www.caranddriver.com/insurance/

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