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Cheap Auto Insurance in Utah: Best Companies & Quotes
Best Car Insurance Companies in Utah
- Farm Bureau Mutual
- Auto Owners Insurance
- State Farm
- American Family
|Farm Bureau Mutual||Progressive||Geico||Auto Owners Insurance||State Farm||American Family|
|AM Best Financial Strength Rating||A||A+||A++||A++||A++||A|
|JD Power 2019 Overall Customer Satisfaction score||N/A||3/5||3/5||3/5||5/5||3/5|
|Avg Annual Premium||$610||$896||$941||$1,059||$1,123||$1,735|
|Consumer Reports Reader Score||N/A||75||78||N/A||78||89|
|BBB Rating||Not Rated||A+||A+||A+||A||A|
Auto Insurance Statistics in Utah
Auto insurance rates in Utah have fluctuated and then went on the decline until 2013 when the auto insurance rates went up slightly. However, the overall auto insurance rates are still below the national averages. By having a look at the fluctuations in rates, drivers can get an idea of the range they can expect to pay when it comes to auto insurance premiums in Utah.
Top 10 Cheapest Car Insurance Companies in Utah
|Rank||Company Name||Avg. Annual Premium|
|4||Farm Bureau Mutual (IA Group)||$1,012|
Drunk Driving Fatalities
Drinking and driving can be deadly and in Utah, the rate of drunk driving fatalities has been a bit higher when compared to that of the national average in 2014, but eventually declined the next year. To prevent accidents and deaths from drinking and driving, drivers need to refrain from consuming alcohol while operating a motor vehicle. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Utah vs. nationwide.
Drunk driving fatalities in Utah from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Utah is at a rate that is quite lower than the national average. The data below demonstrates the level of drinking and driving taking place in Utah when compared to other states around the country.
Teen Drinking & Driving in Utah vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Utah
Utah is one of the country’s strictest states when it comes to SR-22 insurance requirements. If you commit an infraction that requires you to source SR-22 insurance and submit it to your DMV, you will most likely need to have the insurance policy on file for three years.
In addition to strict length requirements, you will also need to ensure that you have the right level of coverage. Again, Utah has some of the highest rates in the country. You will need $65,000 of total coverage for liabilities per accident, $25,000 of coverage for a single person’s liability, and $25,000 worth of coverage for property damage.
Car Theft in Utah
Car theft in Utah occurs at a rate that is much lower than the national average until 2015. Learning about the number of car thefts in Utah will help drivers to have a fuller understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank Nationwide vs. Utah
Uninsured Motorists in Utah
Getting into an accident with an uninsured driver could leave you liable for having to pay excessive out of pocket expenses related to costs incurred from the accident. To avoid this, it is recommended to carry uninsured and underinsured motorist coverage. The below data shows how well Utah ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
It is best that you look for car insurance company ratings in Utah if you wish to acquire the best insurance for your car. These companies will ensure that you get comprehensive insurance for your vehicle apart from being pocket-friendly. The top five insurance companies in Utah include the Farm Bureau, Bear River Mutual, Allied Insurance, GEICO, and the American Family. It is estimated that the average cost of getting car insurance at these companies is $639 which is 36 percent below the state mean. It is important that you go for low-cost auto insurance.
- Bear River Mutual: This insurance company offers some of the cheapest rates when it comes to auto insurance in Utah. Its rates are approximately 48 percent lower when compared to the state mean. Bear River Mutual is a local insurer. It serves as a mutual company. This means its customers are also the owners of the enterprise. All traditional profits are usually directed back to the policymakers through lower rates. This insurance company operates via independent agencies and has six agencies located in Salt Lake City, six in Provo, two in West Valley, and others in the Beehive State.
- GEICO: GEICO is ranked among some of the most affordable insurers in the company according to nation-wide studies. Their average rates are approximately 39 percent cheaper compared to the rates of typical insurers. GEICO is an online business. It handles the majority of their quoting and business via their website. They have one agent that is stationed in Salt Lake City for clients who wish to have in-person interactions.
- Farm Bureau: It is rated as the third cheapest auto insurance firm in Utah. The rates that apply for a basic policy are about $900 per annum. You are supposed to sign up as a member with dues of $65 per year to qualify for the insurance products at Farm Bureau. Some of the benefits that come with this insurer include AAA membership and Car rental discounts.
Other cheap auto insurance companies in Utah Include Allied, State Farm, Nationwide, Unigard, Liberty Mutual, Cal Casualty, and Allstate. You are guaranteed to find cheap auto insurance for your vehicle in almost every city in Utah. You will find the following car insurance companies while in these different cities in Utah:
Salt Lake City, Utah
This city is ranked as the second city which is the most expensive in Utah. It has an average rate which is 7 percent higher compared with the average of the state. This is the capital city of Utah and also the most popular. You should either go to Farm Bureau, GEICO, and Bear River if you wish to acquire cheap auto insurance in Salt Lake City
You should look at Farm Bureau, Bear River Mutual, and GEICO to obtain the most affordable auto insurance while in Provo city. They offer the most affordable rates compared to other insurers in the city. These insurance firms are also ideal for those prefer to have one point of contact when it comes to their insurance needs. West Jordan, Utah: This city is located in the Salt Lake County and is ranked as the 3rd most expensive city regarding auto insurance. It is important that you either choose Allied, GEICO, Bear River, American Mutual, and Farm Bureau if you are in this city and wish to get cheap auto insurance for your car.
You can either choose GEICO, Bear River, or Farm Bureau to get the lowest rates on auto insurance while in Orem.
Those seeking cheap auto insurance in Sandy should consider Farm Bureau, Bear River, and GEICO. American Family Insurance Company and Allied Insurance also come as good options. The average annual rate for auto insurance in Sandy is $763. You ought to look through so as to get the insurance company that offers the cheapest car insurance rates if you live in Utah and decide to get auto insurance for your vehicle. It is important that you review a company before you purchase any auto insurance and what it has to offer. It is also important to ensure that you consult with an auto insurance expert who will offer you advice on the best car insurance to get for your vehicle.
Types of Auto Insurance Coverage in Utah:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in Utah
There are minimum requirements for auto insurance in the state of Utah. According to Utah Insurance Law, each vehicle in the state needs to be covered by a minimum of liability insurance coverage
The liability minimums in Utah are as follows:
$15,000 covers property damage in an accident $25,000 covers one personal injury or death in an accident $65,000 covers multiple injuries or deaths in an accident Source: Utah Division of Motor Vehicles
Cheap Auto Insurance Discounts
At CheapAutoInsurance.co, we want you to save as much as possible on the cost of car insurance in Utah. If you are looking for additional ways to save on car insurance, you can do so with the help of auto insurance discounts. We have compiled a list of affordable auto insurance discounts in the state of Utah to help you save each month or year on your auto insurance premiums.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Utah Car Insurance
This section answers general questions you might have about Utah car insurance. Use it to get a good foundation so you can better understand other answers.
How can I find a commercial car insurance in Utah state?
The best way to find commercial car insurance in Utah is to use an insurance price comparison tool. These online tools will let you comparison shop so you get the insurance you need at the best possible price.
What is considered full coverage auto insurance in Utah?
Full coverage in Utah is state minimum liability coverage. That works out to 25/65/15 – $25,000 for bodily injury per person, up to $65,000 per accident, and $15,000 for property damage liability.
What does full coverage auto insurance cover in Utah?
In Utah, full coverage auto insurance covers bodily injury and property damage liability as well having protections for accidents with uninsured and underinsured motorists. Learn more: What does full coverage insurance cover?
How does Utah auto liability insurance work?
Utah automobile liability insurance requires protection for bodily injury and property damage. You need to have a policy with a minimum limit of $25,000 per person and $65,000 per accident for injury and $15,000 for property damage.
What do you need to get auto insurance in Utah?
You need your driver’s license number, the VIN of the car, your address, and a way to pay the bill to get car insurance in Utah.
How do I renew my auto insurance in Utah?
Each company has their own policies when it comes to renewing car insurance. You’ll need to talk to your company specifically to get more information.
How to pay car insurance in Utah?
You need to contact your specific car insurance company in Utah to find out how to pay your bill. Most companies accept checks, automatic debits, and online transfers for payment.
What zip code to put for auto insurance in Utah?
You should put the zip code of where you live when you’re signing up for auto insurance in Utah. This is because your address influences your rates and if the insurance company finds out that the car stays at a different address than the one listed, they could cancel your coverage.
Who is responsible for auto insurance Utah?
Generally, the car owner is responsible for auto insurance. However, a driver’s insurance may have primary responsibility if they’re an occasional driver borrowing the car.
Utah Car Insurance Laws
This section answers your questions about Utah car insurance laws.
What auto insurance is required in Utah?
Utah is a no-fault state that requires minimum insurance of 25/65/15. That means $25,000 for bodily injury, $65,000 for bodily injury per accident, and $15,000 for property damage liability.
Car insurance cancelled, how long do I have insurance for in Utah?
You usually have insurance for 10 days after your insurance company notifies you that your policy is being canceled. The notification should provide the last insured date on it.
What is the Utah requirement for proof of car insurance?
Utah requires you to carry proof of insurance in your vehicle. They also have an electronic database that insurance companies enter information about coverage into to verify insurance.
What happens if I have no car insurance in Utah?
That depends on whether or not you are convicted in the course of an accident and how many offenses you’ve had. Without an accident the first offense is $400, the second is $1,000. You’ll also have your registration suspended until you have proof of insurance. If you’re in an accident, then you’ll have the same fees, but your driving privileges will be suspended for one year.
What is the minimum basic coverage for auto insurance in Utah?
The minimum basic coverage for auto insurance in Utah is $15,000 for property damage liability and $25,000 for personal injury per person, up to $65,000 per accident. Ask for no deposit insurance when you talk to companies as this may save you some money up front.
What is the state minimum car insurance in Utah?
State minimum car insurance in Utah requires a no-fault policy that assures you up to $3,000 in personal injury protection as well as $25,000 for personal injury, up to $65,000 per accident and $15,000 for property damage.
How long do I have to get insurance on a new car Utah?
Your car insurance coverage will extend to your new car for 4-9 days depending on your policy. However, Utah requires any car to be insured to get registered, so it’s best to get insurance right away.
Why are state of Utah auto insurance minimums so low?
Utah state minimums aren’t that low actually, they’re in line or above the average minimum for other states in the country.
What is the average auto insurance cost for a married couple in Utah?
On average, a married couple will save about $55 per year on their insurance in Utah, which means they’ll pay an average of $818. Learn how to reduce auto insurance premiums.
In Utah, what happens without car insurance?
Without car insurance your license and/or registration can be suspended until you have proof of insurance. You’ll also face a fine that ranges from $400 to $1,000.
What is Utah law for uninsured and underinsured auto insurance coverage?
Utah doesn’t require you to purchase uninsured or underinsured motorist coverage. If you do buy it, then the law requires that coverage to provide at least $25,000 per person or $50,000 per accident for uninsured coverage and $10,000 per person up to $20,000 per accident for underinsured coverage.
Utah auto insurance when do authorized drivers need to be on policy?
Authorized drivers need to be on the policy as soon as they’re authorized to drive the car. If they drive the car regularly, then they may need to be the primary driver.
How long can you go without car insurance in Utah after buying a new car?
You can’t go any time without car insurance in Utah after buying a new car. Your previous car insurance will cover you for 4-9 days usually while you transfer your insurance. You can get instant online auto insurance if you need it though.
In Utah, how long to add new licensed driver to auto insurance?
You should add a new licensed driver to your Utah auto insurance immediately. This will make sure they’re covered for liability and driving legally under state law.
When can auto insurance drop you in Utah?
Auto insurance can drop you in Utah if you fail to pay your premium or if you are dishonest or violate the terms of your insurance policy.
What am I legally required to have car insurance Utah?
Utah requires you to have no-fault insurance that provides PIP coverage up to $3,000. You also need coverage for bodily injury at $25,000 per person up to $65,000 per accident and $15,000 of property damage liability.
What is the penalty for driving without insurance in Utah?
Driving without insurance in Utah will generate a fine of $400 to $1,000 depending on if it’s your first or second offense. You’ll also face suspension of your driving privileges until you show proof of insurance if you were cited in a traffic stop. If you were cited in an accident, then you’ll lose your driving privileges for one year. So its a good idea to get auto insurance now if you don’t have coverage.
In Utah, for a car paid in full, what type insurance must be on vehicle?
The state of Utah doesn’t have any special requirements on insurance for a car paid in full. You still need the state legal minimum of 25/65/15. If your car is an old collector car you may want to get classic auto insurance since its the cheapest.
How long can my child stay on my car insurance in Utah?
There’s no limit on how long you can have your child on your car insurance in Utah. They can stay on your policy as long as they primarily reside at your residence.
Do you turn in tags when you drop insurance in Utah on a car?
Yes, you must surrender your cars tags if you drop insurance in Utah, as the car is no longer considered street legal.
Utah Car Insurance Prices
We’ll cover your questions about the price of car insurance in Utah here.
How much is car insurance in Utah?
On average, Utah drivers pay about $873 per year for car insurance, which is less than the national average of $1,009. Related: Where can I get cheap car insurance?
Who has the best car insurance rates in Utah?
That depends on what you’re looking for. Bear River Mutual offers the best rates for most people, but Geico is also good for good drivers and people with poor credit. American Family Insurance is a good choice for those with one at-fault crash. According to AAA car insurance reviews some people also prefer their rates.
How much the car insurance per month in Utah?
How much to add a 16-year-old to car insurance Utah?
A policy when you add a 16-year-old to your car insurance in Utah will normally go up in price by about 168%. For example, if an adult alone pays $1,212, then the policy with the teen will cost about $3,243. Fill our out quote form to get a car insurance estimate.
How much is general auto insurance in Utah?
General auto insurance in Utah costs about $873 per year. However, your price may be different based on your car, address, age, driving record, and other factors.
What is the price for car insurance in Utah?
The price for car insurance in Utah is, on average, $873 per year. This is below the national average rate of about $1,009. If you’re in school there is good car insurance for college students with good grades.
How to get cheap car insurance in Utah?
The best way to get cheap car insurance in Utah is to take advantage of discount programs your insurance company offers. Taking a defensive driving class is a great way to lower your rates by up to 10%.
What is the cheapest motorcycle insurance in Utah?
Compare different providers in your area to see who has the right combination of benefits and cost for your needs. Getting cheap motorcycle insurance quotes will consist of taking a look at a variety of companies.
Utah Car Insurance Claims and Coverage
This section has the answers to your questions about how car insurance claims and coverage work in Utah.
For an auto accident with injuries in Utah how long does the insurance have to settle the claim?
There’s no state law governing how long insurance companies have to settle a claim for an auto accident with injuries. If you suspect that your insurance company is dragging its feet, then you should contact the Utah Department of Insurance.
When getting an estimate for car repair from insurance what are my rights Utah?
You have the right to get the car fixed to your satisfaction. Make sure you don’t sign any release forms at the mechanic until you’re satisfied with the repairs.
How long do I have to file a car accident insurance injury claim in Utah?
Individual insurance companies may have different guidelines, but in the state of Utah you have 4 years to file a lawsuit regarding an injury from an auto accident.
In Utah your insurance company is legally liable to pay up to how much of the other person's car?
That depends on your specific insurance policy. The state minimum for property damage is $15,000, so your insurance company should pay at least up to $15,000 for the other person’s car.
Car accident in Utah without cops - how do you claim insurance?
You claim insurance without a police report the same way you would file a claim in any other circumstance. The insurance companies will launch their own investigations and reach a settlement.
In Utah, who is liable for a car without insurance?
Usually the owner is liable for a car without insurance in Utah, however, the driver may be responsible depending on the specific nature of the case in question.
Other Utah Car Insurance Questions
There are lots of questions about car insurance. This section answers Utah car insurance questions that don’t fit into our other sections.
How does the state of Utah electronically monitor the status of your car insurance?
The state maintains an electronic database that insurance companies update when you sign up for or drop a car insurance policy.
How to report Utah car insurance?
The insurance company should report your car insurance for you. However, you can also take your valid insurance card to any state DMV.
How do I file a complaint against an auto insurance company in Utah?
The Utah Department of Insurance is the best place to file a complaint against an auto insurance company in Utah. They have the investigation and regulatory powers to see your claim through. In the meantime if you’re not happy you could always consider switching auto insurance companies.
How to get car insurance on rebuilt tiles in Utah?
You’ll just need to find a company that offers insurance on rebuilt titles. Major national companies like State Farm, Geico, and Progressive are your best option.
Who governs auto insurance rates in Utah?
Individual car insurance companies set their own rates in Utah. There’s no government body that sets auto insurance rates in the state.
How to cancel insurance when car is stolen in Utah?
You’ll need to call your specific car insurance company and explain the situation to them. They’ll be able to walk you through the process of canceling your insurance on your totaled car.
What is the insurance law for totaling a car in Utah?
Insurance companies in Utah use the Total Loss Formula, or TLF to determine if a car is totaled. If the cost of repairs plus scrap value equals the pre-accident value of the car then it’s totaled.
What happens when an insurance company totals a car Utah?
The insurance company will cut a check for the fair market value of the car and will take possession of the wreckage. The wreckage will be sold for salvage and scrap.
Do I need non owner SR22 insurance in Utah after DUI?
If you got a DUI then it is likely you will need non owner car insurance sr22 options depending on whose vehicle you’re going to be driving. Consult with legal and insurance professionals in your area to confirm this.
Top Cities in Utah
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