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The cheapest car insurance in Utah comes from Geico, USAA, Auto-Owners, State Farm and Progressive for full and minimum coverage.
Car Insurance Utah
Written by: Daniel Robinson Written by: Daniel Robinson Author Daniel is a team writer for Guides and has written for numerous automotive news websites and marketing companies across the US, UK, and Australia, specializing in automotive and auto finance topics. Car maintenance. Daniel is a team member who advises on car insurance, loans, warranty options, car services and more.
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Edited by: Rashawn Mitchner Edited by: Rashawn Mitchner Managing Editor Rashawn Mitchner is an editorial team editor with over 10 years of experience covering personal finance and insurance topics.
We at the Guides team have reviewed the cheapest car insurance options in Utah. We’ve taken an in-depth look at the best car insurance companies and the cheapest car insurance companies in the state, comparing rates, coverage, ratings and reviews. You’ll find estimates for drivers from various profiles and a list of recommended carriers below, along with basic information about Utah insurance laws and regulations.
Average Car Insurance Rates Best Car Insurance in Utah Factors Affecting Car Insurance Rates Car Insurance Rates by State Factors Affecting Car Insurance Rates
The advisory team is dedicated to providing reliable information to help you make the best possible decision about your car insurance. Because consumers rely on us to provide objective and accurate information, we have created a comprehensive rating system to create our ranking of the best auto insurance companies. We collected data on dozens of auto insurance providers to score the companies on a variety of rating factors. After 800 hours of research, the result is an overall rating for each provider, with the highest rated insurer on the list.
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Car insurance rates are slightly cheaper in Utah than the national average. This means you have a good chance of finding great car insurance in Utah at great rates. Below, we’ll look at the cheapest car insurance companies and coverage options by state, starting with the cheapest providers.
The cheapest car insurance companies in Utah are Geico, USAA, Auto-Owners, State Farm and Progressive. Below are the overall ratings and coverage for these providers.
* Our research team considers national factors when ranking service providers. However, the carrier order in this chart is specific to Utah car insurance.
Car insurance companies have a difficult process in calculating insurance premiums. This means that no two quotes you receive will be the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest auto insurance in Utah.
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The level of coverage you choose has a big impact on the price you pay for auto insurance. Many quotes from providers include estimates for minimum liability and full car insurance.
At $38 per month or $451 per year, USAA offers the cheapest car insurance in Utah on average. Geico and Auto-Owners Insurance also offer some of the cheapest policies in the state. Below is a complete list of the cheapest liability insurance companies in Utah.
Geico often has the cheapest comprehensive auto insurance policy in Utah, at $94 per month or $1,129 per year. USAA and Auto-Owners Insurance are also strong options for Utah motorists.
These rates are based on a 35 year old driver with good credit and a clean driving record. Your rate will vary depending on several factors.
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A person’s age, driving history and credit score can have a big impact on Utah car insurance premiums. Below we compare cheap car insurance estimates for Utah drivers in these categories.
Younger drivers may pay more for car insurance than older drivers. The chart below shows the cheapest auto insurance for young drivers in Utah, along with estimated monthly and annual costs.
In the Beehive State, young drivers must pay the full price of car insurance. We found that Auto-Owners Insurance tends to offer low-cost auto insurance for 16-year-old drivers, costing about $4,336 a year or $361 a month for full coverage. The estimated average rate for a 16-year-old driver in Utah is $6,625 per year or $552 per month.
Our team found that Geico offers cheap car insurance for 17-year-old drivers in Utah at $3,356 per year or $280 per month. The average estimated rate for a 17-year-old Utah driver is $5,296 per year or $441 per month.
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According to our research, an 18-year-old driver can find affordable car insurance through Geico for $2,663 a year or $222 a month. The average estimated rate for an 18-year-old Utah driver is $4,637 per year or $386 per month.
Utah drivers in their 20s pay more for car insurance than teenage drivers. For 21-year-old drivers, Geico offers the cheapest auto insurance rates at an average of $1,251 per year or $104 per month. The average rate for a 21-year-old driver is $2,368 per year or $197 per month.
On average, Geico offers the cheapest car insurance rates for annual premiums for a 25-year-old driver at $948 per year or $79 per month. The average estimated rate for a 25-year-old driver in Utah is $1,712 per year or $143 per month.
Car insurance rates decrease with the age of the driver. With more action behind the wheel and more general life experience comes safer driving habits. That said, as drivers age into their 70s, they may see the rate increase again to account for the increase in car accidents for the elderly.
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Thirty-year-old drivers in Utah can find rates cheaper than the state average from carriers like Geico and USAA. Our data shows that good drivers pay an average of $80 per month or $954 per year to Geico.
Fees are slightly reduced for drivers over 35 years of age. This age group will find the cheapest rates from USAA, Geico and Auto-Owners based on our data. Good drivers over the age of 35 pay about $78 a month or $940 a year to USAA.
While turning 40 is a personal milestone, you may be paying just a few dollars more per month for insurance than you did in your 30s. Our data shows that both companies are the cheapest for both age groups – USAA, Geico and Auto-Owners. A forty-year-old driver with USAA pays about $76 a month or $913 a year.
Insurance companies know that 50-year-olds don’t drive around town or drive at noon. Most of the night. That’s why this age group enjoys the lowest car insurance rates on average. Drivers in their 50s can get cheap rates from USAA, Geico and Auto-Owners (as you might have guessed). The full coverage rate on USAA is about $71 per month or $852 per year on average.
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Our data shows that 65-year-olds pay slightly higher rates than 50-year-olds. Drivers in the former category can find cheap rates from our three options: USAA, Geico and Auto-Owners. The cheapest coverage comes from USAA at $75 per month or $896 per year on average.
Age can bring wisdom but also higher car insurance rates. Some drivers in their 70s may lose a little coordination or reaction speed, which can increase the risk on the road. Seventy-five year olds can still find affordable rates from Geico, USAA and Auto-Owners based on our data. This time, Geico is the cheapest option with an average rate of $91 per month or $1,095 per year.
In addition to age, your driving history and credit score will also influence your rate. The section below provides average car insurance costs for different driving situations, such as car insurance rates if you get a speeding ticket or a DUI.
A speeding ticket makes you more liable to insure in the eyes of the insurance company, so you can expect your rates to go up if you get one. On average, Utah drivers with speeding tickets pay $1,839 a year.
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If you are found at fault for an accident, you will likely see your rates increase. On average, a Utah driver with a previous at-fault accident pays $2,353 a year for auto insurance.
A DUI will increase your rates more than a speeding ticket or an accident. On average, Utah drivers with a DUI on their driving record pay $2,330 a year for auto insurance.
Utah is one of the many states where your credit score affects your insurance premiums. Drivers with good credit get the best rates, while drivers with fair or poor credit scores pay more. On average, Utah drivers with bad credit pay $2,883 per year for insurance. vehicle.
Some of the reasons Utah drivers generally pay less than the national average for car insurance may include the state’s low number of auto fatalities and the average annual mileage of Utah drivers. Here are some statistics on Utah drivers compared to the national average, according to the US Fatality Analysis Reporting System (FARS). Department of Transport:
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According to our research, Utah drivers pay about 13% less for cars
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