When shopping for cheap car insurance, Utah consumers should consider the coverage needed, their budget, car, credit rating and driving record.
In 2019, Utah was ranked the eighth safest state for driving and has the second lowest rate in the country for drunk driving deaths. The Utah Department of Public Safety’s 2018 annual report reported a decrease in traffic crashes of 1.2% and in traffic deaths of 2.8% from 2016 to 2017.
Though the roads in Utah may be safer than other states, you’ll still need to have adequate car insurance before you start driving. According to the Insurance Information Institute, ideas and thoughts to consider to decrease car insurance premiums include shopping around, comparing expected costs before purchasing a vehicle, knowing the options of bundling or remaining with the same company, knowing the effects of credit history and asking an employer or the insurance company about group insurance.
Best car insurance in companies in Utah
These companies are rated among the best combining price and overall satisfaction in the southwest according to J.D. Power’s 2019 U.S. Auto Insurance Study.
The Hartford is ranked the best car insurance provider in the southwest by J.D. Power. It has 5 of 5 ratings in price, overall satisfaction, policy offerings, claims and billing process/policy information.
Geico has the lowest average annual car insurance rate in Utah ($684) and nationally ($901) according to Quadrant Information Services. Geico gets a 5 of 5 rating by J.D. Power in the U.S. southwest in price and policy offerings.
USAA scored a 5 of 5 rating in all six J.D. Power categories (overall satisfaction, policy offerings, price, billing process/policy information, interaction and claims). However, USAA is only available to military members and their families.
State Farm receives 5 of 5 ratings in overall satisfaction and interaction. CSAA Insurance Group earned a 5 of 5 rating in price.
Bear River Mutual Insurance Company is headquartered in Salt Lake City, Utah, however it is not included in J.D. Power’s ratings.
In addition to J.D. Power ratings, it’s also a good idea to consider ratings from the BBB as ratings take into how the organization interacts with their consumers, customer reviews and complaints.
Here’s how some of the biggest names in auto insurance in Utah scored with the BBB.
- The Hartford/AARP: A+
- Geico: B+
- USAA: B-
- State Farm: A
- AAA/CSAA: A-
- Bear River Mutual: C-
- Progressive: B-
- Allstate: A+
Finding the right cheap car insurance in Utah for you
Good drivers, who have good, safe driving records should inquire about discounts for being accident free, ticket/infraction free and deductibles which decline for years with no claims made.
Student drivers often pay more for insurance because, on average, younger drivers are riskier, more accident-prone drivers. Some companies offer safe driver discounts to younger drivers, along with good grade discounts and lower rates for drivers who take driver safety or driver’s ed courses, even when they aren’t mandatory to get a license. Driving a car with the best, highest-rated safety features may also factor into a rate.
Drivers who’ve been in accidents or serious violations should prioritize a company with excellent financial standing and few complaints about paying claims on time. Similar to drivers with good records, drivers needing to rebuild a record should ask about policies which give discounts for consistently safe driving over a period of time.
Drivers who don’t drive much, or maybe just have a short (or no!) commute, and simply don’t put many miles on their car, say less than 7,000 miles a year, can look into a low-mileage discount or pay-as-you-drive devices and options.
Average car insurance cost in Utah
The Utah Insurance Department published their 2018 Annual Auto Insurance Comparison Table with rates on the average car insurance cost in Utah for specific types of drivers. The average 6-month premium rates in 2018 in Farmington, Utah include:
|Single male, age 20||Single female, age 20||Married couple, age 39||Married couple, age 66|
|Bear River Mutual||$1,029||$970||$551||$597|
Notes – The example used by the Utah Insurance Department is based on a 2016 Kia Optima. The driver has a clean driving record, “mid-range credit” and commutes to work 6-30 miles. Coverage in the policy is: Bodily Injury – $50,000 per person/$100,000 per accident, Property Damage – $50,000 per accident, Personal Injury Protection – $3,000, Physical Damage Limits – comprehensive $500 deductible, collision $500 deductible.
Auto insurance discounts in Utah
Discount options and programs vary by company, so make sure to see which discounts you’re eligible for to get cheap car insurance in Utah. Some discounts pertain to safe driving, such as time without a chargeable accident or completing safe driving courses. Some companies offer discounts for having multiple policies, such as home, life or health insurance, along with car insurance. Safer vehicles, with equipment such as air bags, may qualify for discounts as well.
State minimum insurance requirements in Utah
Utah drivers must have property damage coverage and bodily injury coverage in a car insurance policy. Property damage coverage safeguards your assets and covers certain damage to another property or vehicle if you’re found legally responsible for a covered accident. Bodily injury coverage safeguards your assets and covers expenses for bodily harm to other parties if you’re found legally responsible for a covered accident.
The minimum amount of car insurance coverage in a policy in Utah is $25,000 bodily injury/$65,000 per incident/$15,000 damage to another person’s property/$3,000 personal injury protection.
Frequently asked questions
What is the cheapest car insurance in Utah?
On average, Geico, Progressive and USAA (if you’re eligible) have some of the least expensive car insurance rates in Utah, according to the Utah Insurance Department’s 2018 study.
What do I need to get car insurance in Utah?
A driver’s license, your social security number, bank information, the vehicle’s VIN, the address where the vehicle is registered and the date of birth of the policyholder.
What is a car insurance premium based on?
An auto premium is based on vehicle type, age, garaging location, annual miles driven, driver’s record, driver’s age, gender, credit information, home ownership, marital status, how the car is used, longevity with the insurance company, time without incident and additional coverages selected.
What are other optional coverages which may be added to a car insurance policy?
According to the Utah Insurance Department, other optional coverages for drivers in Utah include towing, rental reimbursement and electronic devices.