Jane Dotson
The cost of auto insurance in Utah depends on several factors, including age, driving history, vehicle type, and credit score. The average cost of full coverage car insurance in Utah is $1,154 to $1,510 per year, while the average cost of minimum coverage is $539 to $626 per year. The cheapest car insurance company in Utah is QBE, with an average annual rate of $950 for full coverage and $279 for minimum coverage. However, rates can vary significantly between companies, so it is recommended to compare quotes from multiple insurers to find the best rate.
What You'll Learn
Cheapest car insurance companies in Utah
The cheapest car insurance companies in Utah are:
- Nationwide
- Geico
- USAA
- Auto-Owners
- Progressive
The cheapest full-coverage insurance company for most drivers in Utah is Nationwide, with average rates of $1,330 per year or $111 per month. The cheapest minimum-coverage insurance company for qualifying Utah drivers is USAA, with average rates of $522 per year or $43 per month. However, USAA is only available to military members, veterans, and their families.
The average cost of car insurance in Utah is $66 per month, or $792 per year, for minimum liability. Full coverage car insurance in Utah costs an average of $1,653 per year or $138 per month.
Utah is a no-fault state, which means that your insurer pays for damages to your vehicle, regardless of fault. This is why personal injury protection is mandatory.
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Car insurance costs by age
The cost of car insurance in Utah varies depending on the driver's age, with younger drivers typically paying more for their premiums than older drivers.
Car Insurance Costs for Teenagers
In Utah, 16-year-old drivers pay an average of $579 per month or $6,946 per year for full-coverage car insurance. The average cost of car insurance for 17-year-olds is $573 per month or $6,881 per year. For 18-year-olds, the average cost is $551 per month or $6,617 per year.
Car Insurance Costs for Young Adults
The average cost of car insurance for 19-year-olds in Utah is $472 per month or $5,660 per year. For 21-year-olds, the average cost is $346 per month or $4,152 per year. 25-year-olds pay an average of $255 per month or $3,062 per year for car insurance.
Car Insurance Costs for Adults
The average cost of car insurance for 35-year-olds in Utah is $204 per month or $2,451 per year.
Car Insurance Costs for Seniors
In Utah, car insurance costs for seniors start to increase after the age of 60. For 65-year-olds, the average cost is $134 per month or $1,607 per year. For 75-year-olds, the average cost is $1,181 per month or $1,417 per year.
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Car insurance costs by driving record
The cost of car insurance in Utah varies depending on your driving record. Here are some examples of how your driving record can impact your car insurance rates in Utah:
Clean Driving Record
If you have a clean driving record, Geico offers the lowest average rate in Utah at $1,040 per year. Farmers Insurance has the highest average rate for this group at $1,965 per year. The average cost of car insurance for good drivers in Utah is $1,407 per year.
Speeding Ticket
Nationwide offers the most affordable average rate for drivers with a speeding ticket on their record, at $1,312 per year. Farmers has the highest average rate for this group at $2,527 per year. Drivers in Utah with a speeding ticket can expect to pay around $1,728 per year for car insurance.
Accident
State Farm offers the lowest average rate for drivers with an accident on their record, at $1,578 per year. Farmers has the highest average rate for this group at $3,038 per year. On average, car insurance for drivers with an accident on their record in Utah costs $2,093 per year.
DUI
State Farm also offers the lowest average rate for drivers with a DUI on their record, at $1,454 per year. Iowa Farm Bureau has the highest average rate for this group at $3,431 per year. Car insurance for drivers with a DUI on their record in Utah averages $2,315 per year.
It's important to note that these rates may vary based on other factors such as age, gender, location, vehicle type, and credit score. Additionally, the rates mentioned above are based on sample data and may not reflect the exact rates you would receive from these insurance companies. It's always a good idea to shop around and compare quotes from multiple insurance providers to find the best rate for your specific situation.
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Car insurance costs by credit score
In Utah, your credit score can have a large impact on your car insurance rates. Studies have shown that drivers with a poor credit history tend to file more claims, and average car insurance rates reflect that increased risk. In fact, drivers with poor credit in Utah might pay as much as 76% more for full coverage car insurance.
On average, drivers with poor credit pay 115% more for full coverage car insurance than those with excellent credit. Improving your credit history can take time, but doing so could eventually mean securing a better car insurance rate.
In Utah, drivers with excellent credit history pay around 15% less than the state average for a policy.
Utah is not one of the four states that prohibit or limit the use of credit as a rating factor in determining auto insurance rates. The four states that do are California, Hawaii, Massachusetts, and Michigan.
In Utah, insurance companies can view your credit history when determining your premium. After 60 days of coverage, insurers cannot use your score to cancel your policy, refuse to renew your policy, or decline to cover a new vehicle.
Nationally, someone with an excellent credit score of 800 or above pays an average annual rate of $2,031 for full coverage car insurance. Someone with a poor credit score may pay an average of $4,366 or more.
In Utah, the cheapest car insurance in the state is from Nationwide, Geico, USAA, Auto-Owners, and Progressive for both full and minimum coverage insurance.
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Car insurance costs by vehicle type
The type of vehicle you drive influences your car insurance rates. Electric cars are among the most expensive vehicles to insure, as they are often more expensive to make and repair than gas-powered or hybrid vehicles.
Cheapest Insurance for Electric and Hybrid Vehicles
Hybrid vehicles are typically cheaper to insure than electric vehicles. Geico offers coverage for over $1,000 less per year on average for electric cars. For hybrid vehicles, Geico's average rates are around 47% cheaper than the state average.
Cheapest Insurance for Gas-Powered Vehicles
Gas-powered vehicles are more affordable to insure than electric cars, but more expensive than hybrids. Sedans are the most expensive gas-powered vehicle type to insure. Geico offers the lowest rates for SUVs, sedans, and trucks.
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Frequently asked questions
The average car insurance rates in Utah are $539 per year for a minimum coverage policy and $1,510 for a full coverage policy. On a monthly basis, that breaks down to about $45 per month for minimum coverage and $126 per month for full coverage.
The average rate of car insurance in Utah is less than the national average, with drivers paying an average of $539 for minimum coverage and $1,510 for full coverage annually.
Auto insurance tends to be more expensive for younger drivers who don’t have as much experience behind the wheel. In Utah, 20-year-old men pay an average of $4,053 for full coverage and $1,375 for minimum coverage, while women of the same age pay an average of $3,353 and $1,220, respectively.
The best car insurance company in Utah is different for everyone. For some drivers, USAA might be the best option, and for others, Allstate is a better choice. Before you choose an insurance company, take some time to shop around, get multiple quotes, and compare them to see which provider can offer the lowest price for the amount and type of coverage you want.
There is no single company that is always the cheapest for everyone. When looking for cheap Utah car insurance rates, it's a good idea to ask for quotes from several insurers to see who can give you the lowest rate. Just be sure you're asking for exactly the same coverage options from each carrier so you can do an apples-to-apples comparison.
