It’s a good time to be a driver in Utah. Fatal car accidents are down as of 2019 and insurance rates remain below the national average. Utah is currently poised to be the best state to live in in the future. So, getting the best cheap car insurance in Utah can help make living in the “Beehive State” more enjoyable.
While it has harsh winter road conditions, a young population, and vast rural areas. These factors are usually correlated with higher rates of car accidents and thus higher insurance rates. However, Utah’s roads remain secure because of its well-maintained highway system and sensible winter driving regulations.
Regardless of its well-kept infrastructure and population of safe drivers, it’s still vitally important to maintain sufficient insurance coverage in Utah. Insurance policies may be below the national average, but it still takes some diligence to find the right coverage for you at the right price.
In Salt Lake City, for example, the cheapest insurance rates are 52% cheaper than the average ones.
Our research has uncovered the cheapest insurance companies in Utah as well as the cheapest insurance rates in Utah. Let’s explore these findings to see how you can start saving.
Car Insurance Laws in Utah
- All drivers in Utah are required to carry a minimum level of car insurance at all times.
- Failing to maintain car insurance can result in severe penalties like fines or jail time.
- Drivers aren’t required to carry collision or comprehensive coverage.
- All drivers must carry proof of insurance in their vehicle and must show the document to law enforcement officers when asked.
- Driving without insurance is a Class B misdemeanor in Utah. Uninsured motorists will receive a mandatory court summons. They may face a minimum penalty of a $300 fine and a maximum penalty of up to 180 days in jail and a $1,000 dollar fine.
- If convicted of driving without insurance, drivers may be required to carry high-risk insurance known as SR-22 coverage.
Utah Minimum Car Insurance Requirements
All drivers in Utah are required to have the following basic liability insurance:
- Bodily injury per person per accident – $25,000
- Bodily injury for all persons per accident – $65,000
- Property damage liability – $15,000
- Personal injury protection (PIP) – $3,000
- Uninsured motorist coverage – $25,000
- Underinsured motorist coverage – $65,000
- Drivers can reject in writing the “loss of income” part of the PIP coverage and all costs of uninsured and underinsured coverages.
Utah is a No-fault Insurance State
When most people hear “no-fault,” they think it relates to a driver’s personal responsibility for a car accident. This isn’t exactly true. So, what does “no-fault” coverage really mean?
“No-fault” coverage is also referred to as Personal Injury Protection (PIP). With basic PIP coverage, your insurance company pays you for medical expenses, lost wages, and similar “out-of-pocket” costs due to an injury occurring in an automobile accident, regardless of who is at fault for the accident.
It also means that you cannot recover these and other damages from the at-fault party unless your injuries exceed certain thresholds.
Insurance on all motor vehicles, except motorcycles, must include basic PIP coverage. Basic PIP benefits pay up to $10,000 for medical expenses, lost wages up to $200 per week, replacement services, as well as additional survivor’s benefits.
How Utah Car Insurance Rates Are Determined
A variety of factors dictate an individual’s insurance rates. Some of these factors are out of your control, such as age and gender, but the most significant factors come down to your driving record and credit score.
When an insurance provider asses you as a customer, they will look at the following factors:
Location – Generally, if you live, commute, or work in an urban area (like Louisville, Lexington, or Bowling Green), your rates will be higher, as accidents are more prevalent in densely-populated regions. However, other location-based factors are important, too, like adverse weather conditions and reports of vandalism.
Age – Statistically, young and senior drivers get in more accidents. This means that at both ends of the driving age spectrum you should expect a higher premium. The median age in Kentucky is 38.9, which is on par with the national median age.
Gender – According to the National Highway Traffic Safety Administration (NHTSA), men are more likely than women to get in accidents. In 2008, 54% of accidents were caused by men compared to 45% by women. Additionally, men get more DUIs and traffic violations and drive more miles per year. For these reasons, your gender will affect your insurance rates.
Marital Status – Married couples get in fewer accidents, and therefore pose a smaller risk for insurance providers.
Driving Experience – While this metric is similar to age, it is still slightly different. Usually, the older you are, the longer you have been driving, but that is not always true, especially for those who commute to work or drive for a living. Nonetheless, people who have held a driver’s license for longer are more experienced, and therefore pay lower premiums.
Driving Record – A driver’s record is one of the most important factors that insurance providers consider. If you have a history of frequent speeding tickets, DUIs, or other infractions, you will have to pay more. Kentucky’s rate of traffic incidents is slightly lower than the national average.
Claims Record – It’s important to consider how many claims you have made to insurance providers in the past. Any claim can affect your insurance rate. Not-at-fault claims are likely to only increase your rate slightly, while you can be certain an at-fault claim will cause it to spike.
Credit History – Your credit is a good indicator of how financially responsible you are, but the research also shows that people with low credit tend to file more claims, making them a greater risk for insurance providers.
Previous Insurance Coverage – If you have maintained auto insurance without any gaps, your new insurance provider will see this as a good sign. However, if you went for several years, months, or even days without any insurance, you will be seen as high-risk. Car insurance rates jump an average of 5.7 percent for drivers who let their policies lapse.
Vehicle Type – Insurance companies use vehicle safety ratings as a factor in your insurance rate. Rates can be determined by your vehicle’s safety rating or by the likelihood of your vehicle being targeted for vandalism or theft.
Annual Mileage – Another big factor in your insurance rate is your annual mileage. How much you drive directly impacts your chances of getting in an accident. No matter how you use your vehicle (personal or business use), if you put a lot of mileage on your car, you are more likely to file a claim with your insurance provider.
Number of Policies – Finally, the type of insurance and level of coverage you choose will determine your rates. The more policies you have (liability, comprehensive, uninsured motorist, etc.), the more you will need to pay.
U.S. Vs. Utah Auto Insurance Rates
The table below shows the average annual auto insurance rates in the U.S. compared to that of Utah. Here we can see the price difference for both the minimum liability insurance policies and full-coverage policies.
This data is taken from the total insurance expenditure of U.S drivers—your own quotes may differ from these figures.
|U.S. Minimum||U.S. Full-Coverage||Utah Minimum||Utah Full-Coverage|
Approximately 77% of insured drivers purchase comprehensive, and 73% purchase collision coverage in addition to the minimum coverage. This shows that most U.S. drivers prefer the added security of full-coverage policies to the inexpensive minimum ones.
For the best coverage possible, drivers should invest in full-coverage insurance policies. Full coverage insurance includes:
- Comprehensive insurance – protects you from non-driving related dangers like hail or flood damage.
- Collision insurance – protects you from the costs of repairing your vehicle after a collision when you’re at fault.
Utahns have an added incentive to bulk-up their policies. Across the U.S., full-coverage is 87% more expensive than minimum coverage. Whereas in Utah, full-coverage is just 74% more expensive than minimum coverage.
Cheap Car Insurance in Utah by Company
As we mentioned before, auto insurance prices in Utah are below the national average. However, there is still significant variation among the top insurance companies.
Besides pricing, other important factors to look for are customer support, financial rating, and financial stability. Besides Bear River, which is a small local insurance company, all of the companies we listed have average or above J.D. Power ratings and A.M. Best ratings. These organizations rate companies based on customer satisfaction and financial viability, respectively.
Despite not being considered for these ratings, Bear River is known in Utah to have excellent customer service. Usually small, local insurance companies value their customers more and offer great service. Bear River was the cheapest option in almost every city for the example driver we used.
Cheapest Auto Insurance in Utah by Company
Let’s take a look at the top 5 cheapest car insurance companies in Utah:
|Provider||Annual Rate||Monthly Rate|
|Farm Bureau Mutual||$956||$80|
These 5 companies all managed to outperform their competition in Utah. Particularly, Bear River, GEICO, and Farm Bureau Mutual stand out for their consistently low prices across all cities and levels of coverage.
Cheapest Utah Car Insurance Rates by City
Aside from your driving history, location is one of the most important factors insurers use to rate drivers. A city’s population, crime rates, weather conditions, cost of living, and even specific roads can all affect the amount you pay each year.
The table below shows the average yearly and monthly auto insurance rates for 32 of the most populous cities in Utah.
|City||Company||Cheapest Annual Rate||Cheapest Monthly Rate|
|Brigham City||Bear River||$624||$42|
|Logan||Farm Bureau Mutual||$636||$53|
|Park City||Bear River||$636||$53|
|Saint George||Bear River||$648||$54|
|Salt Lake City||Bear River||$636||$53|
|South Jordan||Bear River||$720||$60|
|Spanish Fork||Bear River||$660||$55|
|West Jordan||Bear River||$720||$60|
Cities can vary greatly in terms of average insurance rates. In some states, the most expensive cities have average rates that are double the price of the cheapest cities.
Luckily, this isn’t the case in Utah. The most expensive city, Riverton, has an average annual rate of $804, and the cheapest cities, Brigham City, Kanab, Moab, Nephi, Price, and Richfield all tie with an annual rate of $624.
Auto Insurance in the 5 Major Cities
In continuation with our guide to finding the best cheap car insurance in Utah, let’s go deeper and take a closer look at the 5 most populous cities and compare their auto insurance rates:
Salt Lake City, Utah
- #1 most populous city in Utah.
- #30 cheapest city out of 32.
- The average annual rate is $1,314, which is 6% higher than the state average.
- For our driver, the cheapest auto insurance company is Bear River at $636 per year.
- In Salt Lake City, the cheapest insurance rate is 52% cheaper than the average rate.
- #3 most populous city in Utah.
- #21 cheapest city out of 32.
- The average annual rate is $1,266, which is 2% higher than the state average.
- For our driver, the cheapest auto insurance company is Bear State at $660 per year.
- In Provo, the cheapest insurance rate is 48% cheaper than the average rate.
West Jordan, Utah
- #4 most populous city in Utah.
- #31 cheapest city out of 32.
- The average annual rate is $1,316, which is 5% higher than the state average.
- For our driver, the cheapest auto insurance company is Bear River at $720 per year.
- In West Jordan, the cheapest insurance rate is 42% cheaper than the average rate.
- #5 most populous city in Utah.
- #23 cheapest city out of 32.
- The average annual rate is $1,278, which is 3% higher than the state average.
- For our driver, the cheapest auto insurance company is Bear River at $660 per year.
- In Orem, the cheapest insurance rate is 48% cheaper than the average rate.
- #6 most populous city in Utah.
- #28 cheapest city out of 32.
- The average annual rate is $1,303, which is 4% higher than the state average.
- For our driver, the cheapest auto insurance company is Bear River at $720 per year.
- In Sandy, the cheapest insurance rate is 45% cheaper than the average rate.
These 5 major cities all have rates that are slightly above the state average. Factors like crime, traffic, and driving habits. However, Bear River is the cheapest auto insurance company in all 5 locations.
Getting great coverage at a great price is easier in Utah than in many other states. In general, insurance is cheap, full-coverage isn’t much more expensive than minimum liability coverage, and the no-fault system can help prevent complicated legal issues that arise from collisions.
Still, you can still save hundreds or thousands of dollars a year by shopping wisely. Doing your research first and getting multiple quotes is the best option.
In conclusion, our research shows that the cheapest insurance rates in Utah can be found at Bear River, GEICO, and Farm Bureau Mutual. The best rate will vary by driver and location, but these three performed the best across the board. Check out these three companies first when shopping for car insurance in Utah to find the best deals quickly.