You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make chic personal finance decisions. We follow rigid guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no lineal compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. thus, whether you ’ re reading an article or a inspection, you can trust that you ’ re getting credible and dependable information. We prize your trust. Our mission is to provide readers with accurate and unbiased information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column content to ensure the information you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive calculate recompense from our advertisers. Bankrate follows a rigid editorial policy, so you can trust that we ’ re putting your interests beginning. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the respect they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel convinced about which provider is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ ra putting your interests first. All of our content is authored by highly qualify professionals and reviewed by national matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This contented is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. car policy is a legal necessity in Utah. Drivers must carry at least 25/65/15 liability indemnity, which includes $ 25,000 in bodily injury coverage per person, $ 65,000 in bodily wound coverage per accident and $ 15,000 in property damage coverage per accident. Utah is besides a no-fault express, which means drivers are required to carry Personal Injury Protection ( PIP ). The average price of car insurance in Utah is $ 332 per class for a minimum coverage policy and $ 1,186 for a entire coverage policy. A minimum coverage policy includes state of matter minimum coverage alone, whereas a broad coverage policy besides comes with collision and comprehensive indemnity that protect your vehicle from losses like accident wrong, larceny, fire and more.
How much does car insurance cost in Utah?
car insurance rates vary by state. In accession, rates are personalized based on the city you live in, your old age, your drive record and the insurance company you buy coverage from. however, Utah drivers pay less for car insurance than the average american driver. For comparison, the average price of car insurance in the United States is $ 565 per class for a minimal coverage policy and $ 1,674 per year for a full coverage car policy. That means Utah drivers pay $ 488 less for full coverage cable car policy and $ 233 less for minimum coverage car policy than the average american english driver .
Utah car insurance rates by company
When you are shopping for car insurance, the best car insurance company in Utah for you needs is not necessarily the cheapest car insurance company. In the board below, we highlighted the average annual car indemnity premiums from some of the biggest and most democratic car indemnity carriers in Utah. You can see that rates vary pretty significantly based on the provider you work with .
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Iowa Farm Bureau||$466||$1,180|
Utah car insurance rates by city
utah car policy rates are not standardized across the entire express. The city you live in and your ZIP code will besides determine your rate. The table below includes the average cost of cable car insurance in Utah ’ s 20 most populate cities, and how the rate differs from the state median premium .
|City||Average annual premium for full coverage||% difference from state average annual premium|
|Salt Lake City||$1,442||10%|
|West Valley City||$1,503||15%|
Utah car insurance rates by age
Young drivers pay the highest rates for car indemnity, due to their lack of feel on the road. In fact, data from the Centers for Disease Control and Prevention ( CDC ) shows that the risk of a cable car accident is higher among drivers between the ages of 16–19 than among any other long time bracket. The following table includes Utah car policy rates by long time. *16 year old calculated on rear ’ second policy disclosure
Utah car insurance rates by driving record
One of the biggest factors that will impact your cable car policy rate is your drive record. If you have any violations on your record within the last several years, you will credibly pay a higher premium. here are the car policy rates in Utah for drivers with one speeding ticket, one accident and a DUI and how much it impacts insurance premiums .
|Driving incident||Average annual full coverage premium in Utah||% increase of average annual premium|
How to save on car insurance in Utah
Drivers in Utah pay below-average rates for car policy. But if you are looking for bum car indemnity, there are some ways to get an even lower rate. here are some suggestions :
- Pay your premium in full: If you can afford to pay your annual premium upfront and in full, your insurance company will likely reduce your premium slightly.
- Take a defensive driver course: Many insurance companies offer a discount to drivers who complete an approved defensive driver training course.
- Improve your credit score: If you have a low credit score, improving your credit may help you get a better car insurance rate.
- Switch insurance companies: If you are unhappy with your current rate and feel like you can find a better deal elsewhere, switching insurance companies is always an option.
Frequently asked questions
How much is car insurance in Utah per month?
The average car insurance rates in Utah are $ 332 per class for a minimum coverage policy and $ 1,186 or a full moon coverage policy. On a monthly basis, that breaks down to about $ 27 per month for minimal coverage and $ 98 per month for full coverage .
What is the best car insurance company in Utah?
The best car indemnity company in Utah is different for everyone. For some drivers, USAA might be the best option, and for others, Allstate is a better choice. Before you choose an indemnity company, take some prison term to shop around, get multiple quotes and compare them to see which supplier can offer the lowest price for the amount and type of coverage you want .
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, dear credit and the come full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each submit ’ s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually.
These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our infrastructure profile with the following incidents applied : uninfected record ( base ), at-fault accident, unmarried speed ticket, single DUI conviction and elapse in coverage .