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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Car insurance is a legal requirement in Utah. Drivers must carry at least , which includes $25,000 in bodily injury coverage per person, $65,000 in bodily injury coverage per accident and $15,000 in property damage coverage per accident. Utah is also a no-fault state, which means drivers are required to carry Personal Injury Protection (PIP). The average cost of in Utah is $332 per year for a minimum coverage policy and $1,186 for a full coverage policy. A minimum coverage policy includes state minimum coverage only, whereas a full coverage policy also comes with collision and comprehensive insurance that protect your vehicle from losses like accident damage, theft, fire and more. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Compare rates and save on auto insurance today! Get quotes Close X How much does car insurance cost in Utah
Car insurance rates . In addition, rates are personalized based on the city you live in, your age, your driving record and the insurance company you buy coverage from. However, Utah drivers pay less for car insurance than the average American driver. For comparison, the in the United States is $565 per year for a minimum coverage policy and $1,674 per year for a full coverage car policy. That means Utah drivers pay $488 less for full coverage car insurance and $233 less for minimum coverage car insurance than the average American driver. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Utah car insurance rates by company
When you are shopping for car insurance, the for you needs is not necessarily the . In the table below, we highlighted the average annual car insurance premiums from some of the biggest and most popular car insurance carriers in Utah. You can see that rates vary pretty significantly based on the provider you work with. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage Allstate $579 $1,421 American Family $882 $1,676 Auto-Owners $546 $1,384 Farmers $473 $1,116 Geico $322 $971 Iowa Farm Bureau $466 $1,180 Kemper $727 $2,340 MetLife $854 $1,995 Nationwide $424 $1,052 Progressive $548 $1,195 State Farm $720 $1,648 USAA $278 $839 Utah car insurance rates by city
Utah car insurance rates are not standardized across the entire state. The city you live in and your ZIP code will also determine your rate. The table below includes the average cost of car insurance in Utah's 20 most populated cities, and how the rate differs from the state average premium. City Average annual premium for full coverage % difference from state average annual premium Salt Lake City $1,442 10% West Valley City $1,503 15% Provo $1,370 5% West Jordan $1,439 10% Ogden $1,323 1% Sandy $1,378 5% Orem $1,222 -6% St. George $854 $1,995 Layton $1,286 -2% Millcreek $1,439 10% Taylorsville $1,493 14% South Jordan $1,390 6% Logan $1,207 -8% Lehi $1,342 3% Draper $1,373 5% Murray $1,445 $1,445 Bountiful $1,296 -1% Roy $1,303 0% Kearns $1,499 15% Spanish Fork $1,340 3% Utah car insurance rates by age
Young drivers pay the highest rates for car insurance, due to their lack of experience on the road. In fact, data from the Centers for Disease Control and Prevention (CDC) shows that the risk of a car accident is higher among drivers between the ages of 16–19 than among any other age bracket. The following table includes Utah auto insurance rates by age. AGE Average annual premium in Utah $2,462 $4,532 $3,229 $1,651 $1,458 $1,389 $1,261 $1,225 $1,380 *16 year old calculated on parent's policy disclosure Utah car insurance rates by driving record
One of the biggest factors that will impact your car insurance rate is your driving record. If you have any violations on your record within the last several years, you will probably pay a higher premium. Here are the car insurance rates in Utah for drivers with one speeding ticket, one accident and a DUI and how much it impacts insurance premiums. Driving incident Average annual full coverage premium in Utah % increase of average annual premium Speeding ticket $1,608 36% Accident $1,953 65% DUI $2,500 111% How to save on car insurance in Utah
Drivers in Utah pay below-average rates for car insurance. But if you are looking for , there are some ways to get an even lower rate. Here are some suggestions: Pay your premium in full: If you can afford to pay your annual premium upfront and in full, your insurance company will likely reduce your premium slightly. Take a defensive driver course: Many insurance companies offer a discount to drivers who complete an approved defensive driver training course. Improve your credit score: If you have a low credit score, improving your credit may help you get a better car insurance rate. Switch insurance companies: If you are unhappy with your current rate and feel like you can find a better deal elsewhere, is always an option. Frequently asked questions
The average car insurance rates in Utah are $332 per year for a minimum coverage policy and $1,186 or a full coverage policy. On a monthly basis, that breaks down to about $27 per month for minimum coverage and $98 per month for full coverage.
The best 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. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 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 clean 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 base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.