Average Cost of Car Insurance in Utah in 2022 | Bankrate
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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 |
|---|---|---|
| Allstate | $579 | $1,421 |
| American Family | $882 | $1,676 |
| Auto-Owners | $546 | $1,384 |
| Farmers | $473 | $1,116 |
| Geico | $322 | $971 |
| Iowa Farm Bureau | $466 | $1,180 |
| Kemper | $727 | $2,340 |
| MetLife | $854 | $1,995 |
| Nationwide | $424 | $1,052 |
| Progressive | $548 | $1,195 |
| State Farm | $720 | $1,648 |
| USAA | $278 | $839 |
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% |
| Provo | $1,370 | 5% |
| West Jordan | $1,439 | 10% |
| Ogden | $1,323 | 1% |
| Sandy | $1,378 | 5% |
| Orem | $1,379 | 6% |
| St. George | $1,222 | -6% |
| Layton | $1,286 | -2% |
| Millcreek | $1,439 | 10% |
| Taylorsville | $1,493 | 14% |
| South Jordan | $1,390 | 6% |
| Logan | $1,207 | -8% |
| Lehi | $1,342 | 3% |
| Draper | $1,373 | 5% |
| Murray | $1,445 | 11% |
| Bountiful | $1,296 | -1% |
| Roy | $1,303 | 0% |
| Kearns | $1,499 | 15% |
| Spanish Fork | $1,340 | 3% |
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 |
|---|---|---|
| Speeding ticket | $1,608 | 36% |
| Accident | $1,953 | 65% |
| DUI | $2,500 | 111% |
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 .
Methodology
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 .