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What Is the Best Auto Insurance in Utah?

best auto insurance utah

All drivers in Utah must have a minimum amount of car insurance to meet the state’s requirements. Auto insurance can be expensive, but doing simple research to compare rates can save you money. Policy rates vary depending on the company you choose, so it’s important to find an insurer that provides you with the best benefits at the cheapest price. Follow this guide to help you find the best auto insurance in Utah.

Cheapest Auto Insurance in Utah

When considering which auto insurer to use, cost can be a large deciding factor. You may want an extensive policy at the best price. While finding cheap car insurance may seem difficult, there are plenty of affordable options to choose from. The average annual cost for auto insurance in Utah from insurers is:

  • Bear River: $769
  • Safeco: $1,040
  • Allied: $1,120
  • Nationwide: $1,231
  • Cal Casualty: $1,329
  • Progressive: $1,460

Best Auto Insurance For Drivers With a Clean Record

If you have a clean record, meaning you haven’t caused an accident, received a ticket, or violated other traffic laws, you can expect lower insurance rates. Insurers view drivers with a clean record as safe drivers, which allows them to offer you cheaper insurance. Rates can vary depending on which company you choose, but here are the average annual rates for the best auto insurances for good drivers in Utah:

  • GEICO: $830
  • USAA: $954
  • Auto-Owners Insurance: $1,306

Best Auto Insurance For Young Drivers

Young drivers have less experience on the road, which puts them at higher risk of an accident or getting a ticket. Because of this, drivers under age 25 usually pay more for car insurance. Thankfully, as they age, their rates go down. Until then, it may be helpful to find cheaper policies to make car insurance more affordable. Take a look at the average annual rates for the best auto insurance for young Utah drivers:

  • GEICO: $1,225
  • USAA: $1,748
  • Farm Bureau Mutual: $2,581

Best Auto Insurance for Senior Drivers

As drivers get older, their car insurance rates typically decrease. However, the cost rises again as they reach their 60s and 70s. Most insurers offer seniors policy discounts to keep the prices down. Even with these offers, you might want to compare rates to find the best deal. The average annual rates for the best auto insurance for senior drivers in Utah includes:

  • GEICO: $948
  • USAA: $1,263
  • Auto-Owners: $1,615
  • Progressive: $1,641

Best Auto Insurance for Full Coverage

Having full coverage auto insurance in Utah includes comprehensive and collision coverage. Full-coverage insurance typically costs more since it provides the most protection for drivers. This type of auto insurance might be beneficial for drivers with brand new vehicles or who want extra protection while on the road. You can find full-coverage policies for a great price by reviewing different rates. Here are some of the best full-coverage average annual rates in Utah:

  • USAA: $644
  • GEICO: $677
  • Esurance: $990
  • Nationwide: $991

Cheapest Auto Insurance for Drivers With a Speeding Ticket

Sometimes, when you’re in a hurry, you might get a speeding ticket. While a speeding ticket might not increase your rates as much as a more serious violation, a ticket makes you more of a liability to insurers. Learning which company offers the best prices for drivers with speeding tickets can save you some money in the future. The average annual rates for the cheapest auto insurance for Utah drivers with speeding tickets are:

  • GEICO: $1,101
  • USAA: $1,216
  • Auto-Owners Insurance: $1,643
  • State Farm: $1,703

Cheapest Auto Insurance for Drivers Who Had a Recent Accident

When you’re at fault for a recent accident, your insurance rates can greatly increase. Causing an accident makes you a liability since you’re a high-risk driver. Even if you consider yourself a safe driver, some accidents are inevitable. So, it’s important to find cheap auto insurance if you’ve had an at-fault accident. Consider these average annual rated for cheap auto insurance options for Utah drivers who had a recent accident:

  • USAA: $1,298
  • State Farm: $1,764
  • Auto-Owners: $1,859
  • GEICO: $1,891

Cheapest Auto Insurance for Drivers Who Have Bad Credit Scores

A common factor that determines car insurance rates is your credit score. For example, having a bad credit score makes insurance costs go up. Insurers usually view people with bad credit as higher risk, which leads to them charging more for auto policies. Having bad credit doesn’t mean you have to give up on cheap prices. Here are the cheapest auto insurance average annual rates for Utah drivers with bad credit scores:

  • GEICO: $1,549
  • USAA: $2,029
  • Progressive: $2,665
  • American Family: $2,992

What Is the Penalty for Not Having Auto Insurance?

Auto insurance is a must-have for drivers in Utah. It’s important that you meet the minimum insurance requirements. Otherwise, you might face some consequences. If authorities find that you’re driving without coverage, you’ll be fined $400 for the first offense. Any following offenses result in a $1,000 fine. Your vehicle registration and driver’s license may also be suspended.

How Can You Lower Your Auto Insurance Costs?

Auto insurance can be costly, but there are many ways you can lower these prices. A common practice is to compare rates to find the lowest price for the best coverage. Another option is to ask insurance companies for discounts. Most companies offer discounts to help make insurance more affordable for customers. Some common deals include young driver discounts and safe driver discounts. Finally, make sure you think about your personal needs. Various factors, such as age, location, and risk level can affect your insurance rates. So reviewing your needs can help you find the cheapest price for auto insurance.

Hopefully, this article can help you find the best auto insurance in Utah at an affordable price. Remember to compare quotes to find the right insurance that meets the state’s requirements and fits your budget. Continue reading the resources on the blog for more information.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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