Cheapest car insurance in Utah

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Nationwide provides the cheapest car insurance in Utah at $1,135 a year. Your rates may vary, but the average premium is $152 per month in Utah, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Utah, drivers must carry at least the minimum liability coverage: $30,000 for bodily injury protection per person, $65,000 of bodily injury coverage per accident, and $25,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Nationwide

$1,135/year

National avg. rate

Cheapest for at-fault accident: Nationwide

$1,984/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Nationwide

$1,370/year

Avg. rate after speeding ticket

Cheap car insurance companies in Utah

Nationwide offers the cheapest car insurance in Utah, with an average price of $1,135 per year. It’s 38% less expensive than the average car insurance cost in Utah. The rates will vary based on factors such as your driving history, age, ZIP code, and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Utah

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Utah

The cheapest ZIP code for car insurance in Utah is 84341, with an average annual cost of $1,663. Find below the most affordable ZIP codes for auto insurance rates in Utah.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Cheapest car insurance in Utah by age

In Utah, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $6,963 more for insurance than a 40-year-old driver.

Below are the cheapest auto insurance rates for Utah drivers of different ages.

You might find interesting

• The best, cheapest car insurance in Utah
• Utah car insurance calculator
• Non-owner car insurance in Utah: Which company has the cheapest rates?
• Cheapest SR-22 insurance in Utah
• Best and cheapest companies for home and auto bundles in Utah

Cheapest car insurance in Utah by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Utah

Here are the top three companies that offer cheap car insurance after a speeding ticket:

• Nationwide: $1,370 per year
• Auto-Owners: $1,794 per year
• State Farm: $2,320 per year

According to Insure.com data, a single speeding ticket can increase your rates by 28% or $507 in Utah.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Utah, below are some insurers that offer cheap car insurance after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Utah

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• Nationwide: $1,984 per year
• Auto-Owners: $2,453 per year
• State Farm: $2,523 per year

Nationwide has the cheapest auto insurance rates for Utah drivers after an at-fault accident at $1,984 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Utah

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Progressive: $2,098 per year
• State Farm: $2,320 per year
• Nationwide: $2,547 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Utah

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Utah is $70 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in Utah?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Utah, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.

Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage in Utah.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Utah. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.