This content is powered by HomeInsurance.com, a license indemnity producer ( NPN : 8781838 ) and a bodied affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states were it is licensed and indemnity coverage through HomeInsurance.com may not be available in all states. All indemnity products are governed by the terms in the applicable insurance policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole duty of the cover insurance company. The information on this site does not modify any indemnity policy terms in any way. Bankrate.com is an autonomous, advertising-supported publisher and comparison service. We are compensated in exchange for placement of patronize products and, services, or by you clicking on certain links posted on our site. therefore, this recompense may impact how, where and in what order products appear within listing categories. early factors, such as our own proprietary web site rules and whether a merchandise is offered in your area or at your self-selected credit score image can besides impact how and where products appear on this locate. While we strive to provide a across-the-board range offers, Bankrate does not include information about every fiscal or credit product or service. We ’ ra crystalline about how we are able to bring quality content, competitive rates, and utilitarian tools to you by explaining how we make money. Bankrate follows a rigorous editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate subject to help you make the mighty fiscal decisions. The contentedness created by our editorial staff is objective, factual, and not influenced by our advertisers.

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 technical advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make fresh personal finance decisions. We follow rigorous guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no aim recompense from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in set to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ ra reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive calculate compensation from our advertisers. Bankrate follows a nonindulgent column policy, so you can trust that we ’ ra putting your interests first. 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 value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our policy 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 — then you can feel confident about which provider is correct for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests first. All of our capacity is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your entrust. 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 assurance in which actions to take following. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. The cheapest minimum coverage car insurance policy in Utah costs $ 278 per year, according to Bankrate ’ sulfur study of quoted annual premiums from Quadrant Information Services. The cheapest wax coverage policy costs $ 839 per year in Utah. For comparison, the statewide average cost of car indemnity in Utah is $ 332 per year for a minimal coverage policy and $ 1,186 for a full coverage policy. Utah drivers who are looking for low-cost rates do not inevitably have to settle for a minimum coverage insurance policy, however. Getting a policy from one of the cheapest car indemnity companies can help you get a lower pace, plus there are much opportunities to save money with discounts, flush with higher coverage or limits .

The cheapest car insurance companies in Utah

To find the cheapest cable car indemnity in Utah, Bankrate referenced quoted annual premium data from Quadrant Information Services and third-party sources to evaluate fiscal military capability, average premiums and customer satisfaction ratings for some of the top providers in the submit.

Based on the results, Bankrate determined that USAA offers the cheapest car insurance in Utah for both minimum coverage and full coverage policies. however, Geico, Nationwide, Farmers, Auto-Owners and Progressive besides have some of the cheapest rates and do not have the same eligibility restrictions as USAA .

The cheapest companies for minimum coverage in Utah

minimum coverage insurance is required for drivers in Utah to legally operate a fomite. It is the most low-cost policy, just because it provides the least amount of coverage. If you are considering a minimum coverage car policy policy, here are the cheapest car indemnity companies ’ rates we found in our study :

Car insurance company Average annual minimum coverage premium Average monthly minimum coverage premium
USAA $278 $23
Geico $322 $27
Nationwide $424 $35
Farmers $473 $39
Auto-Owners $546 $46

The cheapest companies for full coverage in Utah

Full coverage car policy is a more full-bodied policy than minimum coverage. Full coverage normally includes collision and comprehensive examination indemnity, which pay for your vehicle ’ second repairs after an incidental. Although it is more expensive, full coverage car insurance provides more value and fiscal protection in case of a dearly-won accident. If you are interest in a full coverage policy, here are the cheapest options we found in Utah and the average rates for each provider :

Car insurance company Average annual full coverage premium Average monthly full coverage premium
USAA $839 $70
Geico $971 $81
Nationwide $1,052 $88
Farmers $1,116 $93
Progressive $1,195 $100

Events that can impact your cheap rates in Utah

cable car indemnity rates are affected by a numeral of different factors, including certain events – like getting into an accident or adding a new driver to your policy. here are several scenarios that can cause your car policy rate to increase :

  • Adding a teen driver: When you add a young driver to your policy, your car insurance premium will increase. This is because young drivers lack experience and are more likely to get into accidents. However, your premium should start to drop as the driver gets older. In the meantime, look for discounts aimed at young drivers, like savings for getting good grades in school.
  • Getting a speeding ticket: A speeding ticket is a relatively minor offense compared to other traffic violations, but speeding is still an unsafe driving behavior that can lead to accidents. Consequently, having a speeding ticket on your record will cause your car insurance rate to increase, usually for about three years. Having a clean driving record will ensure you are paying the lowest rate.
  • Having an at-fault collision: At-fault collisions can have a big impact on your car insurance premium. Generally, a collision you are responsible for will remain on your record for five years, but that can depend on the location and the severity of the crash. If you have accident forgiveness on your policy prior to the incident, however, you may avoid a rate hike for your first at-fault crash.
  • Being a high-risk driver: High-risk drivers typically pay the highest car insurance rates due to the potential for a costly claim payout. You might be considered high risk if you have been convicted of a DUI, have a very low credit score or have been caught driving uninsured. Some high-risk drivers need to purchase coverage from a non-standard carrier that has more relaxed underwriting standards, or will be required to obtain an SR-22 from an insurer that will offer it.

Cheapest cities in Utah for minimum coverage

Besides factors like your long time and recognition score, your ZIP code will besides typically affect your car policy premium. If you move to a new city in Utah, you may find lower rates by shopping for policy and getting quotes for multiple ZIP codes in your raw sphere. The mesa below includes some of the cheapest cities in Utah for minimum coverage policy. If these cities are not as relevant to your search, Bankrate ’ sulfur average price of car policy in Utah page provides a more comprehensive examination number of average rates by city for your comparison .

City Average annual minimum coverage premium Average monthly minimum coverage premium
Moab $442 $37
Green River $445 $37
Blanding $449 $37
Joseph $449 $37

Cheapest cities in Utah for full coverage

Full coverage car insurance premiums are impacted by some location-based factors, including the monetary value of animation, the cost of car repairs and the rate of vehicle larceny. Plus, every car insurance company charges a unlike rate. here are the cheapest cities in Utah for wide coverage policy, based on our report :

City Average annual full coverage premium Average monthly full coverage premium
Cedar City $1,195 $100
Enoch $1,197 $100
Hurricane $1,201 $100
North Logan $1,204 $100

Minimum coverage requirements for Utah drivers

Drivers in Utah must carry a minimum sum of car policy to legally operate a fomite. According to Utah ’ s car insurance laws, drivers need to have the follow coverage to register their vehicle and legally get behind the wheel :

  • $25,000 bodily injury liability coverage per person
  • $65,000 bodily injury liability coverage per accident
  • $15,000 property damage liability coverage per accident
  • $3,000 personal injury protection (PIP)

A minimum coverage policy is the cheapest option for Utah drivers. however, policy companies recommended that most drivers get a fully coverage policy as it offers more fiscal protective covering, including coverage for damages to your vehicle. These coverage additions may be required if you lease or finance your vehicle .

Here is how to find (and keep) cheap car insurance in Utah

Finding brassy car indemnity in Utah is a precedence for many drivers, and after you lock in a abject rate, you can employ a few strategies to keep rates low. hera are several tips for finding and keeping low-cost car policy in Utah :

  • Shop around. Before you buy car insurance, take some time to shop around and compare insurance companies and get personalized quotes from a few providers. That way, you can confidently purchase a policy knowing you are getting the most affordable rates. As a bes practice, it may be helpful to shop insurance quotes once a year or so to ensure you are still getting the best deal for your circumstances.
  • Re-shop for insurance when life events occur. While helpful to do annually regardless of life circumstances, it is especially important to re-shop for insurance after major events. For example, you may be able to adjust your optional coverages or take advantage of new discounts you were previously unable to qualify for.

Frequently asked questions

How can I lower my car insurance rates in Utah?

There are a act of ways to get a lower car indemnity rate in Utah. Cheap car policy companies typically offer generous savings opportunities, like discounts, safe driver rewards programs or disappearing deductible programs. You might besides consider raising your deductibles, improving your recognition seduce or adjusting your coverage limits to save where it makes sense for your situation .

What is the best car insurance company in Utah?

Because every driver ’ mho insurance needs are unlike, the best car policy party in Utah will vary. Some companies may be good suited to insuring adolescent drivers, others might specialize in classical or antique cars and some may be a better option for those who have multiple insurance policies. Getting quotes from a image of companies can be a good scheme to narrow down your options .

What happens if I drive without insurance in Utah?

cable car insurance is a legal necessity in Utah. If you are caught driving without insurance, you could be fined or have your license suspended. And if you cause a collision, you are financially creditworthy for paying for the damages and injuries. Without car policy, you would have to cover the expenses out of pocket. inability to fulfill your obligations could lead to a dearly-won lawsuit. Although a car policy policy can feel like an supernumerary expense, it could save you from a fortune of fiscal hardship .

How do I get a car insurance quote in Utah?

many companies offer quotes on-line, but you could besides call a party or visit a local agency to get a quote. You will need the name, date of parentage and drivers license number for each licensed driver in your family and any driver who regularly uses your vehicle. You will besides need the vehicle identification number ( VIN ) of each car you want to insure. Having an estimate of the coverage types you need can be helpful, but an agentive role can besides help you decide what levels are appropriate for your position.

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, beneficial credit and the follow full moon 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 minimal coverage that meets each country ’ sulfur requirements. Our free-base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should merely be used for relative purposes .

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