The Best Cheap Utah Car Insurance
Updated
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All Utah residents need car insurance to drive legally, but with so many options, it can be tough to know where to turn for coverage. The list of the best car insurance providers in Utah below is a good place to begin. Here's a brief breakdown of which companies offer the cheapest rates for several common driver profiles.
The average 35-year-old female driver with a clean record pays $1,943 for Utah auto insurance while her male counterpart pays slightly more at $1,955 per year. Both can save considerably by going with Geico. Its average rate is just $1,150 per year for women and $1,127 per year for men.
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These insurers are also among the best car insurance companies in Utah:
A single accident raises the average Utah auto insurance premium to $2,935 annually. This time, it's American Family that offers the cheapest rate, with an average annual premium of $2,060.
These companies also offer some of the cheapest car insurance in Utah to drivers with accidents on their records:
Drivers with speeding tickets don't fare quite as badly as those with accidents on their records, but they'll still see their rates climb. The typical Utah driver with one speeding ticket pays $2,486 per year. But those who go with Geico only pay about $1,627 annually.
Drivers with speeding tickets can also find cheap auto insurance in Utah with these companies:
DUIs are even more costly than accidents, with the typical Utah auto insurance premium climbing to $3,266 per year after just one. Progressive offers a surprisingly low rate to these drivers, at just $1,503 per year on average.
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Drivers with DUIs can also find cheap car insurance quotes in Utah from these insurers:
Teen drivers pay some of the highest Utah auto insurance rates, even if they have clean records. An 18-year-old male driver with no accidents, speeding tickets, or DUIs pays $6,166 per year on average. But teens who choose Utah Farm Bureau can shave quite a bit off that rate. Its average annual premium for these drivers is $3,982.
These companies also offer affordable car insurance in Utah to teen drivers:
Drivers age 65 and up pay some of the lowest car insurance rates in Utah with an average annual premium of just $1,837. But drivers can get this number even lower by going with Nationwide. It only charges a 65-year-old driver $1,169 per year on average.
Seniors seeking low-cost car insurance in Utah should also consider these options:
Utah minimum car insurance runs the average driver about $766 per year. But those who choose Geico can get the same coverage for just $441 annually.
Drivers can also find cheap liability car insurance in Utah with these companies:
How much does car insurance cost in Utah? That depends a lot on the driver, where in the state they live, and other factors. Typically, Utah auto insurance rates fall slightly below the national average. The exception is for teen drivers, who typically pay a little more than average. Here's a look at how Utah's annual premiums stack up to the rest of the country for some of the profiles discussed above.
| Average Rate Category | Utah | National Average |
|---|---|---|
| Overall | $2,589 | $2,875 |
| Young drivers | $6,166 | $6,087 |
| One accident on driving record | $2,935 | $3,226 |
| One speeding ticket on driving record | $2,486 | $2,840 |
Here are some Utah car insurance laws all drivers need to be aware of:
Utah is a no-fault auto insurance state. This means that in the event of an accident, both drivers typically bill their own insurance company for associated medical costs, regardless of who caused the accident. Drivers who live in no-fault states must purchase personal injury protection (PIP) to help with these costs.
Drivers who skip Utah's mandatory minimum car insurance could face the following penalties:
All Utah drivers are required to have at least the following auto insurance coverage:
Drivers must carry at least:
In addition, drivers must have at least $15,000 of property damage liability coverage. This pays for any property the policyholder damages in an accident.
Utah drivers also need at least $3,000 in personal injury protection (PIP) to help them pay for medical expenses if they're injured in an accident.
Drivers seeking the cheapest car insurance in Utah should try the following:
Here are a few other things drivers ought to keep in mind when shopping for car insurance in Utah:
Only about 6.5% of Utah's drivers are uninsured, according to the Insurance Information Institute. This is the ninth-lowest rate in the nation. But that doesn't mean an accident with an uninsured driver is impossible. Those who don't want to pay out of pocket in this scenario should consider adding uninsured and underinsured motorist coverage to their policy.
Uninsured motorist coverage pays for damages if the policyholder is hit by an uninsured driver. Underinsured motorist coverage kicks in if the at-fault driver's insurance isn't enough to cover all the damages.
As in most states, Utah's minimum coverage mostly focuses on protecting other drivers from the policyholder. It offers no protection for the policyholder's vehicle if they cause an accident or get into a single-car accident. Drivers will need collision and comprehensive coverage if they don't want to pay for these repairs on their own.
Collision coverage pays for vehicle repairs needed due to a single-car accident or an accident where the policyholder was at fault. Comprehensive coverage takes care of damages due to bad weather, theft, vandalism, and animal-vehicle collisions.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
