Cheapest car insurance in Utah for 2022
Utah is home to 2.1 million licensed drivers, according to the U.S. Department of Transportation Federal Highway Administration. If you’re a Utah driver, you may be looking for the cheapest average car insurance rates available. Luckily, car insurance rates in Utah are, on average, a bit cheaper than the national average. The average cost of minimum coverage car insurance in Utah is $528 per year, and full coverage car insurance costs, on average, $1,306 per year, according to Bankrate’s 2021 study of quoted annual premiums.
According to our research, USAA has the cheapest average car insurance rates in Utah for both minimum and full coverage policies, followed closely by Geico. While researching Utah providers, keep in mind that the cheapest car insurance company for you depends on your individual characteristics, including driving record, claims history and vehicle make and model. Each company calculates premiums differently and may weigh certain characteristics more heavily than others. As a result, it may be helpful to request quotes from multiple carriers.
The cheapest car insurance companies in Utah
To find the cheapest car insurance in Utah, Bankrate referenced quoted annual premium data from Quadrant Information Services and third-party sources to evaluate financial strength, average premiums and customer satisfaction ratings for some of the top providers in the state.
The cheapest companies for minimum coverage in Utah
Minimum coverage insurance is required for drivers in Utah to legally operate a vehicle. Minimum coverage is typically cheaper than full coverage car insurance, simply because it provides the least amount of coverage required to drive legally. If you are considering a minimum coverage car insurance policy, here are the cheapest car insurance companies’ rates we found in our study:
|Car insurance company||Average annual minimum coverage premium||Average monthly minimum coverage premium|
The cheapest companies for full coverage in Utah
Full coverage car insurance provides more coverage than minimum coverage car insurance. Full coverage commonly includes collision and comprehensive insurance, which pay for your vehicle’s repairs after an incident. Although it is more expensive, full coverage auto insurance provides more value and financial protection in case of a costly accident. If you are interested 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|
Events that can impact your cheap rates in Utah
Car insurance rates are affected by a number of different factors, including certain events – like getting into an accident or adding a new driver to your policy. Here are several scenarios that may cause your car insurance 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 age and credit score, your ZIP code will also typically affect your car insurance premium. If you move to a new city in Utah, you may find lower rates by shopping for insurance and getting quotes for multiple ZIP codes in your new area.
The table below includes some of the cheapest cities in Utah for minimum coverage insurance. If these cities are not as relevant to your search, Bankrate’s average cost of car insurance in Utah page provides a more comprehensive list of average rates by city for your comparison.
|City||Average annual minimum coverage premium||Average monthly minimum coverage premium|
Cheapest cities in Utah for full coverage
Full coverage car insurance premiums are impacted by some location-based factors, including the cost of living, the cost of car repairs and the rate of vehicle theft. Plus, every car insurer charges a different rate. Here are the cheapest cities in Utah for full coverage insurance, based on our study:
|City||Average annual full coverage premium||Average monthly full coverage premium|
Minimum coverage requirements for Utah drivers
Drivers in Utah must carry a minimum amount of car insurance to legally operate a vehicle. According to Utah’s auto insurance laws, drivers need to have the following 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, insurance companies recommended that most drivers get a full coverage policy as it offers more financial protection, 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 cheap car insurance in Utah is a priority for many drivers, and after you lock in a low rate, you can employ a few strategies to keep rates low. Here are several tips for finding and keeping affordable car insurance 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 best 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 number of ways to get a lower car insurance rate in Utah. Cheap car insurance companies typically offer generous savings opportunities, like discounts, safe driver rewards programs or disappearing deductible programs. You might also consider raising your deductibles, improving your credit score or adjusting your coverage limits to save where it makes sense for your situation.
What is the best car insurance company in Utah?
The best car insurance companies in Utah will depend on your individual preferences and characteristics. If you’re looking for the lowest annual premium, you may want to look for companies that offer discounts you may qualify for. If you’re looking for a seamless mobile experience, you may want to look for a company that has a highly-rated mobile app. Or, if you want an excellent customer service experience, you may want to research companies that scored highly in the J.D. Power 2021 U.S. Auto Insurance Study. If you’re unsure where to start, you may want to request insurance quotes from the best auto insurance companies in Utah.
What happens if I drive without insurance in Utah?
Car insurance is a legal requirement in Utah. In the state of Utah, drivers must carry minimum liability coverage with limits of 25/65/15. Utah drivers must also carry at least $3,000 in personal injury protection (PIP). 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 responsible for paying for the damages and injuries. Without car insurance, you would have to cover the expenses out of pocket. Inability to fulfill your obligations could lead to a costly lawsuit. Although a car insurance policy can feel like an extra expense, it could save you from a lot of financial hardship.
How do I get a car insurance quote in Utah?
Many companies offer quotes online, but you could also call a company or visit a local agency to get a quote. You will need the name, date of birth and drivers license number for each licensed driver in your household and any driver who regularly uses your vehicle. You will also need the vehicle identification number (VIN) of each car you want to insure. Having an idea of the coverage types you need can be helpful, but an agent can also help you decide what levels are appropriate for your situation.
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 driving record, good credit and the following 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 minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.