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Types of Coverage Offered
- liability
- medical payments
- Uninsured & underinsured motorist
- collision
- comprehensive
- Roadside aid
- rental reimbursement
- mechanical breakdown
Discounts Available
- Vehicle equipment features
- New fomite
- full driver
- Seat swath manipulation
- defensive drive
- Driver ’ second education course
- good student
- hand brake deployment
- Membership & employee
- military
- Multi-vehicle
- Multi-policy
Further Reading on Geico:
*Data provided by Bankrate.com. **J.D. power 2021 Auto Insurance Satisfaction Study evaluation for the Southwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Utah
The average annual premium for state minimal indebtedness in Utah is $ 528, while the average broad coverage policy is around $ 1,306 per class, according to 2021 data from Bankrate.com. This is lower than the national modal of $ 1,674 per year for wax coverage car indemnity. average car insurance rates vary widely depending on drivers ’ placement, drive record, credit score, long time, and more. Those with fairly drive records and good accredit scores will have access to cheaper policy rates .
Top 3 Cheapest Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| USAA | $839 |
| Geico | $971 |
| Nationwide | $1,052 |
* Data provided by Bankrate.com .
Top 3 Most Expensive Car Insurance Companies in Utah
| Company | Average Annual Full Coverage Premium* |
| Kemper | $2,340 |
| American Family | $1,676 |
| State Farm | $1,648 |
* Data provided by Bankrate.com .
Top 3 Cheapest Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| Cedar City | $1,195 |
| Enoch | $1,197 |
| Hurricane | $1,201 |
* Data provided by Bankrate.com .
Top 3 Most Expensive Cities for Car Insurance in Utah
| City | Average Annual Full Coverage Premium* |
| West Valley City | $1,503 |
| Kearns | $1,499 |
| Taylorsville | $1,493 |
* Data provided by Bankrate.com .
Car Insurance Add-Ons That May Further Protect You
- Gap coverage: This type of coverage can help to cover the difference between your car’s actual cash value and the amount you owe on your loan or lease.
- Rideshare coverage: Rideshare drivers may need special coverages, which only a few carriers provide.
- Uninsured/underinsured motorist: It’s generally the case that whoever is at-fault for an accident covers the cost of property damage. If you’re in an accident with someone who doesn’t have insurance, this coverage will kick in.
- Accident forgiveness: While most insurance premiums will increase after an accident, accident forgiveness coverage can prevent that.
Guide to Utah Car Insurance
car insurance laws vary from state to country, and it ’ s important to know your state ’ randomness specific laws. Some alone factors about Utah policy are its indebtedness coverage requirements and its no-fault insurance law .
Utah Minimum Insurance Requirements
Drivers in Utah must carry liability indemnity to cover a situation where they are at-fault for an accident. Driving without insurance is a misdemeanor umbrage in Utah and can result in goodly fines and suspension of your license and registration. Minimum liability required in the state of Utah is divided as follows:
- $25,000 per person for bodily injury
- $65,000 per accident for bodily injury
- $15,000 per accident for property damage
Utah’s No-Fault Law
Utah is a no-fault insurance express, meaning the person responsible for an accident doesn ’ metric ton yield the aesculapian bills of every party. rather, each party is creditworthy for carrying indemnity to cover their medical expenses. As a solution, in summation to the minimum liability insurance, drivers in Utah must besides carry personal wound security of at least $ 3,000 .
Utah Car Insurance FAQ
What is the minimum car insurance required in Utah?
Drivers in Utah must carry liability bodily injury and property damage policy, equally good as personal injury protective covering ascribable to the state ’ randomness no-fault indemnity law .
What is the average auto insurance cost in Utah?
According to 2021 data from Bankrate.com, drivers in Utah can expect to pay an average of $ 528 per year for the state minimal needed cable car policy. For full moon coverage, the average annual pace is $ 1,306, which is below the national average of $ 1,674. Keep in beware that insurers consider many factors while calculating your rate, and this means that your premium could be lower or higher than the express ’ second average monetary value presented here .
What is the cheapest car insurance company in Utah?
According to Bankrate ’ south data, USAA offers the cheapest broad coverage in Utah, with an average annual premium of $ 839. If you don ’ deoxythymidine monophosphate qualify for USAA, Geico could be a cheap choice, with an average full coverage premium of $ 971 per year. Keep in mind that rates vary based on your alone rate profile, so your premium will probable be different .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on alike metrics. For the best car indemnity companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and on-line resources from each company to determine top providers. As for modal pricing, we used Bankrate.com ’ s data of car policy in Utah, based on the profiles of a 40-year male and female. For full moon coverage, the details used were the play along :
- $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 minimum coverage limits, Bankrate used minimum coverage that meets each department of state ’ randomness requirements. Our establish profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum. These are sample rates and should only be used for comparative purposes.
About the Authors
Erin Gobler Erin Gobler is an indemnity writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, bank, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor ’ s degree in journalism from the University of Wisconsin-Oskosh. Erin ’ s favorite Reviews.com article is the State Farm Renters Insurance Review .