When shopping for cheap car insurance, Utah consumers should consider their coverage needed, budget, car, credit rating and driving record.
In 2019, Utah was ranked the eighth safest state for driving and has the second lowest rate in the country for drunk driving deaths. The Utah Department of Public Safety’s 2019 annual report reported a decrease in overall traffic crashes of 2% and in traffic deaths of 5% during the year.
Though the roads in Utah may be safer than other states, you’ll still need to have adequate car insurance before you start driving. Things to consider to decrease car insurance premiums include shopping around, comparing expected costs before purchasing a vehicle, knowing the options of bundling or remaining with the same company, knowing the effects of credit history and asking an employer or the insurance company about group insurance. You also need to find the best Utah car insurance for your needs.
Best auto insurance companies in Utah
To bring you the best car insurance Utah providers, we looked at several insurance companies in Utah to evaluate price and overall satisfaction in the southwest according to J.D. Power’s 2020 U.S. Auto Insurance Study:
|Provider||Score by J.D. Power (out of 1,000)||AM Best|
Drivers searching for low-cost auto insurance Utah companies should make sure Geico is on their shortlist. Geico offers generous discounts that can save you as much as 25 percent for customer loyalty, car equipment, driving history and more. The best part is, you can take advantage of more than one to maximize your savings.
Pemco Insurance provides some of the best auto insurance Utah coverages that adapt to the needs of state residents. You can add rideshare coverage if you drive for Uber or Lyft and include personal coverage that provides medical insurance for you, your passengers and even your pets.
Along with Geico, Progressive is another low-cost auto insurance Utah option. Progressive’s flexible approach to underwriting new customers makes it possible for drivers with a lackluster driving history to find coverage at a relatively affordable price. Enroll in the Snapshot program and Progressive can track your driving through the mobile app. You’ll earn savings based on good driving habits.
The Hartford has partnered with the AARP to provide state residents over 50 years old with high-quality, affordable car insurance Utah policies. Policyholders are guaranteed coverage as long as they pay their premiums and keep their driver’s license valid. Additionally, The Hartford provides reimbursement of at-home care costs if you’re injured in a crash and need someone to help you at home while you recover.
USAA is regularly the highest-rated auto insurance Utah insurer because of its speedy claims process, variety of optional coverages and low price. The biggest drawback to USAA is availability – USAA only insures military members (retired and active) and their family members.
Average cost of car insurance in Utah
The average cost of the best car insurance Utah is $536 per year for the state-required minimum liability insurance and $1,301 for full coverage. It’s higher than average relative to the rest of the country. In comparison, Wyoming, the least expensive state averages $264 per year and New York, the most expensive, $1,295.
State minimum insurance requirements in Utah
Utah drivers must have property damage coverage and bodily injury coverage in a car insurance policy. Property damage coverage safeguards your assets and covers certain damage to another property or vehicle if you’re found legally responsible for a covered accident. Bodily injury coverage safeguards your assets and covers expenses for bodily harm to other parties if you’re found legally responsible for a covered accident.
The minimum amount of car insurance coverage in a policy in Utah is $25,000 bodily injury/$65,000 per incident/$15,000 damage to another person’s property/$3,000 personal injury protection.
Auto insurance discounts in Utah
Discount options and programs vary by company, so check which discounts you’re eligible for to get cheap car insurance in Utah. Some discounts pertain to safe driving, such as time without a chargeable accident or completing safe driving courses. Some insurance companies in Utah offer discounts for having multiple policies, such as home, life or health insurance, along with car insurance. Safer vehicles, with equipment such as airbags, may qualify for discounts as well.
Frequently asked questions
What is the cheapest car insurance in Utah?
On average, Geico, Progressive and USAA (if you’re eligible) have some of the least expensive and best car insurance Utah policies, according to our average cost of car insurance study.
What do I need to get car insurance in Utah?
You will need a driver’s license, your social security number, bank information, the vehicle’s VIN, the address where the vehicle is registered and the date of birth of the policyholder.
What is a car insurance premium based on?
An auto premium is based on vehicle type, age, garaging location, annual miles driven, driver’s record, driver’s age, gender, credit information, home ownership, marital status, how the car is used, longevity with the insurance company, time without incident and additional coverages selected.
What are other optional coverages which may be added to a car insurance policy?
According to the Utah Insurance Department, other optional coverages for drivers in Utah include towing, rental reimbursement and electronic devices.
How much car insurance do I need in Utah?
Utah’s requirements are amounts of $25,000 bodily injury/$65,000 per incident/$15,000 damage to another person’s property/$3,000 personal injury protection. The minimum liability coverage only covers damages to others. If your car is damaged, the minimum coverage won’t pay for repairs. You’ll need to expand your protections by adding collision and comprehensive insurance for full coverage.