Finding Cheap Car Insurance in Utah
Comparing quotes to find cheap car insurance in Utah shouldn’t be a hassle. We evaluated options in Utah to find the lowest rates.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Utah Car Insurance for Good Drivers
USAA and Geico are the cheapest Utah car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Utah for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 25% in Utah. The exact rate increase will depend on the insurance company. Even though you’ll get hit with higher insurance rates, you can still compare quotes for the best car insurance.
USAA and Geico have the lowest average rates for drivers with a speeding ticket in Utah, so make sure to get quotes from those companies if you’re shopping for Utah auto insurance and have a speeding ticket on your record.
Cheap Utah Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that injures someone will make it difficult to find cheap car insurance. Our analysis found an average increase of 52% in Utah compared to drivers with a good driving record.
If you cause a car crash with an injury, USAA and Geico may have the most competitive rates among the insurance companies in our analysis.
Cheap Utah Car Insurance for Drivers With a DUI
Car insurance premiums in Utah go up an average of 73% if you have a DUI conviction on your record. You can still compare car insurance quotes to look for better rates.
The cheapest Utah car insurance companies for drivers with a DUI are ACCC Insurance and USAA, among the insurers we analyzed.
Cheap Utah Car Insurance for Drivers With Poor Credit
Utah auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 77% more for auto insurance in Utah.
ACCC Insurance and USAA may be good options if you’re looking for cheap Utah auto insurance and you have poor credit.
Cheap Utah Car Insurance for Adding a Teen Driver
Adding a teen to your insurance increases rates by an average of 97% in Utah, compared to rates for a married couple without a teen driver.
Check quotes from National Farmers Union P&C and Permanent General if you’re looking for cheap car insurance for teens in Utah.
Cheap Utah Car Insurance for Young Drivers Ages 18 to 25
Buying your own car insurance is a pricey entry into adulthood. Our analysis found that USAA and Nationwide offer the cheapest Utah car insurance for young drivers.
Cheap Utah Car Insurance for Senior Drivers Ages 60-80
USAA and Nationwide offer the best car insurance for seniors who are looking for low costs in Utah. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Older Adult Discount in Utah
Utah auto insurance companies must offer a discount for drivers age 55 and older who complete an approved accident prevention course. The discount lasts for three years and is renewable.
Whether you qualify for that discount or not, it’s wise to ask insurance companies about their list of car insurance discounts. Insurers often offer discounts for bundling auto and home insurance, paying in full and going paperless.
Least Expensive Vehicles for Insurance in Utah
In Utah, the Jeep Wrangler JL Sport, Honda CR-V LX and Ford Escape S are among the least expensive vehicles for insurance in Utah, based on average rates for 50 top-selling models. The 20 least expensive are below.
The most expensive vehicles for insurance in Utah among popular cars are the Tesla Model S Performance ($3,331 a year) and Lexus ES 300H ($2,024 a year).
| Vehicle | Average annual rates in Utah |
|---|---|
|
Jeep Wrangler JL Sport
|
$1,397
|
|
Honda CR-V LX
|
$1,404
|
|
Ford Escape S
|
$1,412
|
|
Subaru Crosstrek
|
$1,428
|
|
Hyundai Tucson SE
|
$1,424
|
|
Subaru Forester 2.5i
|
$1,428
|
|
Jeep Compass Latitude
|
$1,429
|
|
Honda Pilot SE
|
$1,429
|
|
Chevrolet Trax LS
|
$1,446
|
|
Volkswagen Tiguan SE
|
$1,437
|
|
Kia Sportage EX
|
$1,459
|
|
Ford Edge SE
|
$1,459
|
|
Chevrolet Colorado
|
$1,460
|
|
Toyota Tacoma SR
|
$1,477
|
|
Chevrolet Traverse LS
|
$1,480
|
|
Ford Ranger Lariat
|
$1,482
|
|
Toyota RAV4 LE
|
$1,486
|
Required Minimum Utah Car Insurance
Utah requires that car owners buy liability car insurance and personal injury protection.
The liability insurance must have coverage of at least:
- $25,000 for bodily injury to one person.
- $65,000 for bodily injury to multiple people in one accident.
- $15,000 for damage to property in one accident.
If you have savings and other assets to protect in a lawsuit, you’ll want more than the minimum Utah auto insurance. It won’t be enough if you’re sued for a large accident, and once your insurance runs out you’re responsible for the rest.
Utah drivers must also have personal injury protection (PIP insurance). PIP pays a variety of bills no matter who caused the accident. PIP is necessary under Utah’s no-fault system of insurance, where you make most injury claims on your own insurance rather than suing someone else.
Drivers must have at least $3,000 per person in PIP insurance to cover these medical expenses:
- Medical services
- Surgery
- X-rays
- Dentistry
- Rehabilitation including prosthetic devices
- Ambulance, hospital and nursing services
In addition, Utah PIP insurance must cover:
- $250 or 85% of your lost wages, whichever is less (you can waive this if you or your spouse don’t have an income)
- Up to $20 a day to pay for services you can no longer do, such as transportation or cleaning.
- Up to $1,500 per person for funeral costs
- $3,000 to the heirs of someone who dies in an accident
If you use up all your PIP benefits, or you have a “serious injury,” you can make a claim against the other driver’s liability insurance. That’s why you need your own liability insurance even in a no-fault insurance state like Utah.
Utah defines “serious injury” as death, dismemberment, permanent disability, permanent impairment, or permanent disfigurement. If these happen, you can sue the other driver.
What Other Types of Utah Insurance Should I Have?
Collision and comprehensive insurance: While liability and PIP insurance look like they cover a lot of problems, they don’t cover damage to your own car. If someone else crashes into your vehicle you can sue them or use collision insurance.
Collision insurance is also good to have for your own mishaps, such as backing into a pole or crashing into a guardrail.
There are many other types of car damage that only collision and comprehensive coverage would cover: Flood damage, hail, fire, falling objects, vandalism, and a crash with a deer or a riot. Comprehensive insurance also covers car theft.
Collision and comprehensive coverage are usually required if you have a car loan or lease.
Uninsured & underinsured motorist coverage. The problem with uninsured drivers is that they can leave a trail of unpaid accident bills in their path. They have no insurance to pay for injuries or damage they cause, which forces other drivers to buy extra insurance. And that extra insurance is uninsured and underinsured motorist (UM and UIM) coverage.
In Utah, insurance companies must offer you UM and UIM but you can reject it in writing. UM and UIM in Utah covers your injuries.
A related coverage is uninsured motorist property damage (UMPD). This pays your damage bills from an uninsured motorist, whether they’ve crashed into your car or your property, like a fence. If you don’t have collision coverage, you must buy UMPD in Utah.
Summary: Required Auto Insurance in Utah
| Coverage type | Required minimum in Utah |
|---|---|
|
Liability insurance
|
|
|
Personal injury protection (PIP)
|
$3,000
|
|
Uninsured & underinsured motorist coverage
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Utah?
You can use your phone to show an auto insurance ID card in Utah. See if your auto insurance company has a mobile app that gives you easy access to an electronic ID card.
Factors Allowed in Utah Car Insurance Rates
Car insurance companies will often use your driving record, past claims, vehicle model and more when setting a rate. In Utah, insurers can also use these factors.
| Factor | Allowed in Utah? |
|---|---|
|
Age
|
Yes
|
|
Credit
|
Yes
|
|
Education & occupation
|
Yes
|
|
Gender
|
Yes
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Utah?
About 7% of Utah drivers have no insurance, according to the Insurance Research Council.
Penalties for Driving Without Auto Insurance in Utah
If you’re caught driving without insurance in Utah, you can be fined at least $400 for a first offense.
When Can a Vehicle Be Totaled in Utah?
In Utah, an insurance company can decide if a car is “totaled” after it’s badly damaged. This is based on the cost of repairs vs. the value of the vehicle.
Get Help with Utah Insurance Problems
The Utah insurance department is in charge of monitoring insurance companies in the state. If you have an unresolved problem, the department staff may be able to help, or you can file a complaint.
Methodology
To find the cheapest auto insurance companies in Utah, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Utah are based on rates from Allstate, American Family, Auto-Owners, Farm Bureau Mutual (Iowa Group), Farmers, Geico, National Farmers Union P&C, Nationwide, Permanent General, Progressive, State Auto, State Farm, Unigard, Kemper and USAA.
