Best Car Insurance In Utah – Utah Insurance Company’s compiled quotes can help you find the best coverage for your needs and budget. GEICO is the cheapest provider for regular drivers. You can save over $700 on your annual premium by comparing prices.
While GEICO has the cheapest insurance on average in Utah, several variables can also affect the cost of your auto insurance, including the amount insured, driving history, age, and credit score.
Best Car Insurance In Utah
For example, American Family is the cheapest insurance for drivers with DUI records. If you are a former or current military member, you and your family may be eligible for a policy from USAA, the cheapest provider of full coverage auto insurance in Utah.
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For those looking for a more localized solution, we’ve broken down the cheapest companies by city, as well as the best auto insurance companies in Utah, for those looking to balance great service with cost.
Minimum liability coverage is the cheapest auto insurance in Utah. Coverage meets state minimum requirements and provides limited protections for Utah drivers.
USAA’s average rate is even lower at $356 a year, but its coverage is only for military members and their families. The most expensive carrier with the smallest coverage in the state is American Family, which costs an average of $995 per year.
These quotes are only estimates based on average driver rates in Utah and should not be used to compare insurance quotes.
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Utah’s Comprehensive Insurance Policy provides comprehensive collision coverage that protects drivers from on-road and off-road accidents.
Although full coverage offers higher limits and extra protection, it costs more than minimum liability coverage. Since comprehensive coverage varies from insurer to insurer, comparing quotes from multiple providers can help you get the lowest rates.
If you or your family is in the military, you can get coverage from USAA for an average of $644 per year. U.S. households charge up to $1,406 per year for full premiums.
Depending on your age, credit score and other relevant factors, you may be charged less or more than the above prices. The above costs are the average amounts for comprehensive and collision coverage, $100,000 per person for personal injury liability coverage, $300,000 per accident for personal injury liability coverage and $100,000 per accident for property damage coverage.
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Utah Insurance allows customers to request more accurate quotes on its website. Outlining your specific needs before shopping can help you find affordable prices.
In Utah, drivers with serious traffic violations, such as drunk driving (DUI), are required to pay higher auto insurance premiums and are usually required to file an SR-22. The average cost of auto insurance for drivers with DUI is $1,723 per year, compared to $1,154 for drivers without DUI.
USAA charges the lowest Utah military driver with DUI, averaging $1,188 a year.
The true cost of DUI can be profound. In some cases, an insurance company may choose not to insure you. If you can’t get insurance after drinking and driving, consider researching state-sponsored auto insurance plans. These programs are designed to insure high-risk drivers while spreading risk among multiple providers.
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An accident with an error in your Utah driving record can significantly increase your auto insurance premiums. On average, if you are convicted of an accident, you will pay $1,735 in insurance premiums.
If you meet USAA’s requirements, it’s an affordable option with an average annual cost of $974 for at-fault drivers.
Drivers who get tickets for minor offenses like distracted driving tend to pay more for their auto insurance. The average cost for a ticketed driver is $1,419 per year, compared to $1,154 for a non-ticketed driver.
Are you part of a military family? If so, the average driver in Utah would only get insurance from USAA for $815 per year.
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Many insurers see distracted driving and speeding as risks. Violations can increase your insurance rates, but it depends on your carrier and whether you have a clean driving record. It is important to note that if you are cited for distracted driving, your insurance premiums may increase even if you were not involved in the accident.
The Utah DMV uses a points system to flag your traffic violations. According to Utah court rules, if you have not been convicted of a traffic violation within a year, half of the points on your driving record will be removed. If you drive for two consecutive years without continuing traffic violations, all points on your record will be removed. Deleting records is a waiting game in most cases.
In Utah, it’s still possible to get cheap car insurance rates with a ticket. If you get a ticket, some insurance companies offer lower premiums if you take a defensive driving course. Discuss with your insurance company which option is best for you.
A bad credit score can negatively impact the cost of auto insurance in Utah. Drivers with good grades paid an average of $1,154 a year, while drivers with poor credit scores paid $2,168 a year.
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For military drivers with bad credit, the USVA’s average rate of $1,114 per year may be the most affordable option.
According to Experian, Utah has the 16th highest credit score in the nation, with an average credit score of 716. Although many Utah drivers have a high average credit score, a lower score can increase your insurance premiums. When shopping for an insurance quote, be sure to reassess rates when you improve your credit.
Seniors in Utah pay more for auto insurance than middle-aged drivers and young adults. The average cost for seniors is $1,276 per year, while the average cost for young drivers is $1,154 per year.
Seniors can get USAA coverage in Utah for about $753 a year for current or former military members.
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There are some unique factors to consider when looking for cheap auto insurance for seniors in Utah. While older drivers generally have more driving experience, some physical impairments tend to develop as they age. These include decreased vision, slowed reflexes, and changes in concentration.
According to the National Highway Traffic Safety Administration, 15.7 percent of Utah traffic crashes in 2017 involved drivers over the age of 65. Because seniors face practical driving restrictions, Utah auto insurers weigh these risks against all other factors. Develop policies for older drivers.
If you’re a senior buying auto insurance, meet with your doctor first to discuss your driving options and limitations, then research senior discounts from the state’s top auto insurance companies.
New drivers pay more for auto insurance because they have no driving experience. In Utah, car insurance costs $3,330 a year for a 16-year-old driver and $1,270 for a 25-year-old driver.
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GEICO offers the cheapest auto insurance in Utah for drivers ages 16-25. It appears to be the cheapest company on average for our sample of drivers of each age group.
Auto insurance can be very expensive for new drivers and students due to inexperience. That’s why it’s important to ask about discounts before adding new drivers to your insurance policy. If young drivers drive responsible family sedans, car insurance is often much cheaper than flashy sports cars.
USAA is the cheapest auto insurance company for retired and active military personnel in Utah. The average cost of a USAA policy in the state is $356 a year, which is $37 less than GEICO, the state’s second cheapest company.
In Utah, USAA averages $356 a year, making it the cheapest auto insurance company in the state. Although USAA already has affordable fares, customers can get additional savings through discounts. Combining USAA auto insurance with a home or renter’s policy may result in a discount. Also, insuring multiple cars lowers the price
Average Cost Of Car Insurance In Utah In 2022
Auto insurance costs in Utah can vary depending on where you live. The average driver in Provo pays an average annual premium of $1,066 for the cheapest auto insurance, while West Valley City residents are expected to pay $1,174.
All Utah residents (and visitors who spent at least 90 days in the state in the previous year) must insure their vehicle in Utah.
The Utah Department of Motor Vehicles, in partnership with private company Insure-Rite, regularly checks vehicle registrations for compliance with state-issued insurance policies. If they mark your car as uninsured, you will get a letter asking for proof of insurance. If you do not provide the required certification, the DMV will suspend your license and registration.
Utah law requires that any vehicle registered in the state have both liability and personal injury protection (PIP) insurance. If you are involved in an accident, PIP insurance will start first. Once the maximum PIP payout is reached, your liability coverage will be cancelled. The minimum coverage amount is:
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