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Cheapest Car Insurance Companies In Utah
According to our rate estimates, USAA is the cheapest car indemnity in Utah with an average annual monetary value of $ 872. This applies to a 35-year-old driver with a thoroughly drive criminal record and full coverage. Geico and Progressive are two early low-cost providers in Utah.
| Car Insurance Provider | Average Annual Cost Estimate |
|---|---|
| USAA | $872 |
| Geico | $971 |
| Progressive | $1090 |
| Auto-Owners | $1,165 |
| State Farm | $1,477 |
| American Family | $1,696 |
| Allstate | $1,788 |
What Is The Average Cost Of Car Insurance In Utah?
How much you pay for car insurance in Utah is about average when compared to early states. According to the Insurance Information Institute ( III ), Utah was the 24th most expensive express for car insurance in 2018, with drivers paying an median of $ 941 annually. here ’ s a airless spirit at the cost of liability, collision, and comprehensive car insurance in Utah :
| Type of Insurance | Average Premium in 2018 |
|---|---|
| Liability coverage | $602 |
| Collision coverage | $309 |
| Comprehensive coverage | $128 |
| Total average expenditure | $941 |
*Most drivers carry liability coverage but not inevitably early types of car policy. full average annual consumption measures what Utah drivers actually spent on car insurance in 2018. Like all states, Utah cable car insurance prices are affected by things like median annual mileage rates, the likelihood of accidents, and more. fortunately, Utah has one of the lowest intoxicated drive rates, so drivers may get a break on their premiums because of that.
Annual Utah Car Insurance Estimates By Age
In Utah, a 24-year-old driver can pay 39 percentage more for car insurance precisely for being young. This is because younger drivers are statistically more likely to get into accidents ( and cost the insurance company money ).
| Age | Utah Annual Car Insurance |
|---|---|
| 24 | $2,025 |
| 35 | $1,463 |
Annual Utah Car Insurance Estimates By Gender
According to our rate estimates, women pay just a few more dollars ( literally ) than men for cable car policy per annum.
| Gender | Utah Annual Car Insurance |
|---|---|
| Female | $1,465 |
| Male | $1,462 |
Annual Utah Car Insurance Estimates For Drivers With Bad Credit
In Utah, having a bazaar credit mark can raise your car insurance rate by about 25 percentage, while having a poor people score can increase it by a sock 97 percentage.
| Credit Rating | Utah Annual Car Insurance |
|---|---|
| Good | $1,463 |
| Fair | $1,826 |
| Poor | $2,883 |
Annual Utah Car Insurance Estimates For Bad Drivers
Prices for cable car indemnity in Utah besides depend on your drive record. A individual accelerate tag can increase your rates by 26 percentage, and having an at-fault accident can raise them by 61 percentage.
| Driving Record | Utah Annual Car Insurance |
|---|---|
| Clean | $1,463 |
| Speeding Ticket | $1,839 |
| At-Fault Accident | $2,353 |
| DUI | $2,330 |
Factors That Affect Utah Car Insurance Quotes
There are many factors that can influence cable car indemnity quotes in Utah. The rates of car indemnity deviate depending on information such as :
- Personal information: Your age, gender, marital status, and credit score affect the amount you pay for car insurance.
- Vehicle information: You’ll provide the make, model and year of the vehicle you’re looking to insure to determine the price of your auto insurance.
- Which provider you choose: The cost of coverage depends on the insurance provider that you choose to underwrite your policy and the amount of coverage on your policy.
Best Car Insurance For Utah Drivers
You have options for low-cost car policy in Utah. In fact, you may feel like you have besides many options. To help save you meter and feat, we have found the peak five choices for car policy providers in Utah. Each of them performed good in our research of the best car policy companies, where we ranked providers on the surveil :
- Financial strength
- Availability
- Customer service
- Cost
- Coverage
- Technology
overall, we think Geico is the best choice for Utah car indemnity because of its reputation for agile claims and low average cost. *You may notice that some cable car indemnity companies are listed above those with higher star ratings. This is because our ratings take into account countrywide factors, while our ranking for this article looks specifically at what indemnity providers are best for car insurance in Utah.
#1 Geico: First Choice For Utah Car Insurance
Geico is the second-largest indemnity supplier in the state and has a repute for creative market campaigns, but Geico offers more than equitable a charm mascot. In our research, we found that Geico has solid fiscal persuasiveness ratings, customer military service ratings, median to low premiums, and technical school that makes it easy to work with the supplier. The indemnity company has an A+ fink with the Better Business Bureau ( BBB ) and an A++ rate in fiscal potency from AM Best, demonstrating that finances are not a hindrance to the fulfillment of customer claims. In addition to standard coverages such as liability insurance and collision policy, motorists with a Geico policy can opt for coverage like :
- Mechanical breakdown insurance
- Classic car coverage
- Rideshare insurance
- Rental car reimbursement
- Emergency roadside assistance
After doing our homework, we ’ ve rated Geico as the best cable car insurance provider available to all consumers nationally, and we think it ’ s the best choice for car insurance in Utah besides.
| Pros | Cons |
|---|---|
| Superior financial strength rating and A+ rating from the BBB | Average quotes experience |
| Many choices for coverage | Usage-based app not available in all states |
| High level of customer satisfaction | |
| Available in 50 states |
To learn more about the cable car insurance supplier, check out our complete Geico car policy review.
#2 USAA: Best For Military
USAA is merely available for military members and their families, but an excellent option for those who are eligible. USAA rates gamey in industry stand, coverage, price, and customer serve. AM Best rates USAA at A++ ( Superior ) for fiscal constancy, and USAA scored 863 out of 1,000 in the J.D. Power 2021 U.S. Auto Insurance Study℠ for the Southwest region. USAA actually scored the highest among providers but was not placed in the rankings because it is not available to all drivers. USAA customers can purchase all the standard types of car policy, ampere well as guaranteed asset auspices ( GAP ) and car surrogate aid products. overall, we think USAA is one of the best choices in most states for those who are eligible. The company offers lake superior claims servicing and some of the most low-cost prices in the industry. It regularly scores highly in J.D. Power studies.
| Pros | Cons |
|---|---|
| Affordable rates and numerous discounts | Only available for military and their families |
| Good option for military members and young drivers | |
| Superior financial strength rating and A- rating from the BBB |
To learn more about the car indemnity provider, check out our follow-up of USAA car indemnity.
#3 American Family: Best Local Service
American Family Insurance is not available in every country but is an choice for cable car indemnity in Utah. The company scored well in the J.D. Power 2021 U.S. Auto Insurance Study, ranking merely below USAA in the Southwest region. While american Family is not accredited by the BBB, it does hold an A rate. It besides has an A fiscal force evaluation from AM Best, indicating an excellent ability to meet claims obligations. In addition to offering standard coverage options like liability and comprehensive policy, American Family offers rental car reimbursement, rideshare insurance, roadside aid, and gap policy. american english Family does not have the countrywide handiness of Geico, but for car indemnity in Utah, it competes with Geico in customer satisfaction, coverage, and monetary value. Utah drivers would do well to reach out for a quote.
| Pros | Cons |
|---|---|
| Ideal for young drivers or people who want to bundle multiple policies
Read more: Best car insurance companies for 2022 |
Limited locations |
| Known for low rates | Negative reviews about the claims process |
| Several discounts available | |
| MyAmFam app to manage your account |
To learn more about american Family Insurance, read our review of american Family car indemnity.
#4 State Farm: Best For Students
state farm is the largest indemnity provider in the United States and among our acme choices for Utah car insurance. The supplier has been in business since 1922 and has built up a significant reputation. With an A++ fiscal strength evaluation from AM Best, State Farm shows it has the fiscal means to successfully fulfill claims. State Farm offers standard indemnity coverage, arsenic well as lease and travel indemnity, which will cover the monetary value of a car rental, lodgment, and food if you ’ rhenium left without a car more than 50 miles from home. authoritative car policy and sports car indemnity are besides options for those shopping for Utah car indemnity. submit farm has the reputation, coverage, and customer have to make it a great option for low-cost car insurance in Utah. We besides like the provider ’ s kind of available discounts, which include scholar discounts, multi-car discounts, and more.
| Pros | Cons |
|---|---|
| Comprehensive coverage offerings and extensive selection of discounts | Reported errors with autopay |
| Largest auto insurer in the country, available in 48 states | Not taking new customers in Massachusetts or Rhode Island |
| Many discounts for teens and students | Higher rates than some competitors |
| Easy online quotes process and positive customer reviews | |
| Superior financial strength rating |
Learn more about the cable car policy provider in our full State Farm car policy follow-up.
#5 Allstate: Excellent Local Agents
Allstate offers across-the-board coverage and a broad image of deduction opportunities. It provides good customer service through its network of local agents. While the BBB does not accredit Allstate, the insurance company has an A+ rat. AM Best gives Allstate a “ Superior ” fiscal force military rank, indicating that Allstate can well meet its fiscal duty to customers. In the J.D. Power 2021 U.S. Auto Insurance Study, Allstate ranked just downstairs median for the region. In addition to the basic types of coverage, Allstate offers :
- Rideshare insurance for those who drive for ride-for-hire services like Uber or Lyft
- Classic car insurance for those with antique vehicles, custom builds, and hot rods
- Mexican travel insurance for policyholders who drive their cars into Mexico
- Custom parts coverage for those who have installed aftermarket parts or sound equipment
If you want to work with a local agentive role, Allstate is an excellent choice. The wide image of discount rate opportunities and a across-the-board range of coverage benefits make this company an easily recommendation for car insurance in Utah.
| Pros | Cons |
|---|---|
| Works through a network of local agents to provide coverage in all 50 states | expensive |
| superior fiscal strength evaluation and A+ rat from the BBB | Mixed customer service reviews |
| Mileage-based discount rate program |
To learn more about the car insurance provider, check out our complete Allstate insurance review. enter your energy code in the tool below to collect and compare car indemnity quotes from providers in Utah :
State Requirements For Utah Car Insurance
We ’ ve already established that car policy is a legal requirement for drivers in about every state. But what precisely changes from one state to another ? well, laws about car policy requirements are set at the state level, not the federal level, indeed each department of state gets to set its own regulations about what type and how a lot policy drivers need to have. That means that while one country may require lone very minimal coverage, another one may require drivers to take out very comprehensive indemnity policies. consequently, states that require higher levels of coverage will besides generally have a higher average premium. When shopping for car insurance in Utah, keep in mind that all drivers must have at least the following express minimum coverage :
- Bodily injury liability: $25,000/person and $65,000/accident
- Property damage liability: $15,000/accident
- Personal injury protection (PIP): $3,000/accident
- Uninsured/underinsured motorist coverage: $25,000/person and $65,000/accident
The loss of income share of PIP coverage may be rejected in write, and uninsured/underinsured motorist coverage may be rejected in write.
Do You Need More Coverage?
While the numbers above represent the minimum requirements for Utah car insurance, it ’ second by and large recommended that motorists take out more than the absolute minimum. If you end up getting into a car accident and causing $ 100,000 worth of bodily injury wrong, your indemnity will alone cover $ 65,000, and you ’ ll be on the hook for $ 35,000. hera ’ s a close attend at what each character of standard indemnity covers, including collision indemnity, comprehensive policy, and aesculapian payments, which are not required by Utah state laws.
- Liability car insurance: Covers you for property damage or injuries you cause to a third party, as well as any legal fees they may sustain from a lawsuit
- Collision coverage: Covers your vehicle in a car accident
- Comprehensive car insurance: Covers you from damage received in non-collision incidents such as floods, fires, theft, and vandalism
- Personal injury protection: Covers medical expenses, lost wages, and death benefits for you and your passengers
- Medical payments: Covers medical expenses for you and your passengers with no waiting period while claims are being settled
- Uninsured/underinsured motorist coverage: Covers you in the event that you get into an accident with a driver who doesn’t have sufficient car insurance coverage
Is Utah A No-Fault State?
Utah is a no-fault state of matter. This means that if you get into an accident in Utah, you ’ ll motivation to file a claim with your policy ship’s company no matter who was at fault in the accident. Any minor injury or place damage will be covered by your own indemnity, not the other driver ’ randomness policy. however, if there are any good injuries or damage over a certain brink ( known as the “ tort threshold ” ), you can bring the case to court and action.
Learn More About Utah Car Insurance Quotes:
car policy Quotes : utah
What Happens If You Drive Without Insurance In Utah?
Driving without cable car policy in Utah is a criminal offense and requires the offending driver to appear in court. It is technically considered a class B misdemeanor, and a conviction may appear on a criminal background check. If you ’ ra catch driving without car insurance in Utah, you may suffer the pursuit penalties :
- Driver’s license suspension
- Vehicle registration suspension
- Vehicle impounding
- $400 minimum fine on the first offense
- $1,000 minimum fine on subsequent offenses
Put just : Don ’ t drive without car insurance in Utah. Whether you are heading to Salt Lake City or St. George, if you ’ re going to hit the open road, make certain you have an indemnity policy in place first gear – preferably one that covers you beyond the state-required minimum. You can besides use this joyride to see how your specific location in Utah compares to the express average :
FAQ About Car Insurance: Utah
Who has the cheapest car insurance in Utah ? Across the board, USAA car indemnity has the cheapest car indemnity rates in Utah. however, USAA insurance is only available to military members and their families. For the general public, we found the cheapest car policy in Utah with Geico car indemnity and Progressive car indemnity. How much is car insurance in Utah ? According to the III, Utah drivers paid an average of $ 941 for car policy in 2018. That means they paid about $ 78 per month for Utah car insurance. however, the cost can vary widely from driver to driver based on your driving history, long time, and vehicle. Compare companies to find the best price. What car insurance is required in Utah ? Drivers in Utah need a minimum of $ 25,000 in bodily wound indebtedness per person, $ 65,000 in bodily injury liability per accident, $ 15,000 in property damage indebtedness, and $ 3,000 in personal injury protection. The passing of income assign of PIP coverage may be rejected in writing. additionally, $ 25,000 of uninsured/underinsured motorist coverage per person and $ 65,000 per accident is required unless you reject the coverage in writing. What is the best car indemnity company in Utah ?
Read more: https://insurecar.info – Wikipedia
According to our rate estimates, USAA offered some of the cheapest rates in the state. The provider has a repute for low-cost prices and excellent customer avail, but USAA only sells indemnity policies to military members and their relatives.
Methodology
In an feat to provide accurate and indifferent information to consumers, our technical inspection team collects data from dozens of car insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, adenine good as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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