When shopping for the best car insurance, Utah consumers should consider their coverage needed, 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 2019 annual report reported a decrease in overall traffic crashes of 2% and in traffic deaths of 5% during the year.
Though the roads in Utah may be safer than other states, you’ll still need to have adequate car insurance before you start driving. Things to consider to find the best car insurance in Utah 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. You also need to find the best Utah car insurance for your needs.
The Best Car Insurance Companies in Utah
To bring you the best car insurance Utah providers, we looked at several insurance companies in Utah to evaluate price and overall satisfaction in the southwest according to J.D. Power’s 2020 U.S. Auto Insurance Study:
|Provider||Score by J.D. Power (out of 1,000)||AM Best||Average Full Coverage Premium|
Drivers searching for low-cost auto insurance Utah companies should make sure Geico is on their shortlist. Geico offers generous discounts that can save you as much as 25 percent for customer loyalty, car equipment, driving history and more. The best part is, you can take advantage of more than one to maximize your savings.
Allstate is at the pricier end of the full coverage premium spectrum with an average cost of $1,468 in Utah. The car insurance company has average customer ratings and offers the usual coverage options. However, what sets Allstate apart is its list of add-ons that can be beneficial for Utah drivers. Featured add-ons include accident forgiveness, safe driving bonus, rideshare and milewise.
Along with Geico, Progressive is another low-cost auto insurance Utah option. Progressive’s flexible approach to underwriting new customers makes it possible for drivers with a lackluster driving history to find coverage at a relatively affordable price. Enroll in the Snapshot program and Progressive can track your driving through the mobile app. You’ll earn savings based on good driving habits.
State Farm is one of the largest car insurance providers in the U.S., although on average it is quite costly for Utah drivers. With its A+ BBB rating, high financial strength, and high J.D. Power ranking, State Farm makes up for its high cost. While it may not be the cheapest on the list, Utah drivers can apply any of the insurance firm’s list of discounts such as Drive Safe, Steer Clear, Good Student and others to bring the total down.
USAA is regularly the highest-rated auto insurance Utah insurer because of its speedy claims process, variety of optional coverages and low price. The biggest drawback to USAA is availability — USAA only insures military members (retired and active) and their family members.
Average Car Insurance Cost in Utah
The average cost of the best car insurance in Utah is $483 per year for the state-required minimum liability insurance and $1,290 for full coverage, as shown in the table below. It’s higher than the national average cost of car insurance, which is $1,738.
|Average Minimum Coverage Premium in Utah||Average Full Coverage Premium in Utah|
In comparison, Wyoming, the least expensive state averages $264 per year and New York, the most expensive, $1,295. This doesn’t mean that Utah drivers can’t get a cheaper car insurance premium, however. For a list of the cheapest car insurance companies in Utah, visit Bankrate’s Cheapest Car Insurance Companies in Utah.
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.
Utah’s No-Fault Law
Utah is one of about a dozen states in the U.S. that follow a no-fault law, which means that no matter who is at fault in an accident your insurance is responsible for covering your medical bills for you (up to coverage limits). Due to this law, drivers in Utah must purchase personal injury protection (PIP).
Utah requires at least $3,000 in no-fault of PIP insurance. According to the Utah Division of Motor Vehicles, no-fault insurance must be maintained for all vehicle passengers.
Car Insurance Discounts in Utah
Discount options and programs vary by company, so check 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 insurance companies in Utah offer discounts for having multiple policies, such as home, life or health insurance, along with car insurance. Safer vehicles, with equipment such as airbags, may qualify for discounts as well.
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 and best car insurance Utah policies, according to our average cost of car insurance study.
What do I need to get car insurance in Utah?
You will need 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.
How much car insurance do I need in Utah?
Utah’s requirements are amounts of $25,000 bodily injury/$65,000 per incident/$15,000 damage to another person’s property/$3,000 personal injury protection. The minimum liability coverage only covers damages to others. If your car is damaged, the minimum coverage won’t pay for repairs. You’ll need to expand your protections by adding collision and comprehensive insurance for full coverage.
Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.