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Best Car Insurance In Utah

What Discounts Does American Family Offer Utah Renters

Best Car Insurance in Utah

American Family offers five potential discounts to Utah renters, including one that no other company on our list provides.

  • Policy bundling. Buy two or more policies from American Family to get this discount.
  • Loyalty. Keep your renters insurance with American Family for over a year to save.
  • Generational. Renters between 18 and 30 years of age can save if their parents are also American Family customers.
  • Payment discounts. You can get a discount if you sign up for automatic payments, pay annually in advance, or opt for paperless billing.
  • Smart devices. Get this discount if you have a smart home device.

Who Offers The Cheapest Car Insurance Rates For A Married Couple In Utah

For married couples in Utah, the cheapest option for car insurance among the most popular auto insurance providers is GEICO. However, if you have a clean driving record, you are more likely to receive different insurance quotes compared to someone who has had an at fault accident.

The table below displays average Utah car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.

Company
State Farm Insurance Company $2,109

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Utah will differ. Rate data is provided by Quadrant Information Services.

GEICO provides the cheapest car insurance rates for male and female senior drivers on average among the five largest companies in Utah.

Company
$1,055 $1,055

Best Car Insurance In Utah For Seniors

MoneyGeek ranked several insurance companies in Utah based on their car insurance rates for seniors and customer service records. Based on MoneyGeeks scoring system, the following offer the best car insurance for seniors in Utah:

  • GEICO: MoneyGeek score of 88 out of 100
  • State Farm: MoneyGeek score of 77 out of 100

In calculating these scores, MoneyGeek considered both affordability and customer service. If youre looking for the least expensive policy to protect your vehicle, we also found the cheapest car insurance for seniors in Utah.

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Cheapest Minimum Coverage Car Insurance In Utah For 50

Drivers in Utah who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  • Geico: $298 per year, or about $25 per month.

  • Auto-Owners: $392 per year, or about $33 per month.

  • Nationwide: $447 per year, or about $37 per month.

  • Farm Bureau Financial Services: $492 per year, or about $41 per month.

  • Progressive: $543 per year, or about $45 per month.

  • What Types Of Discounts I Can Ask From My Insurance Carrier In Utah

    car insurance

    Most of the drivers are not even aware of the types of car insurance discounts available for them in every state. In Utah drivers can get discounts like a defensive driving discount, auto deduction discounts, homeowner discounts, etc. The best way to know more about the discounts applicable to your profile is to ask your auto insurance company.

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    Why Choose Rapid Insurance Quotes

    We have seen far too many drivers overpaying for their auto insurance by going with the wrong company. One of the best ways to find the right insurance policy for you is to do a little comparison shopping and compare quotes from multiple companies to see who offers you the lowest rate. We created RapidInsuranceQuotes.com to make the process of researching and comparing auto insurance quotes as simple as possible. Complete our short quote form and receive quotes from top auto insurance companies instantly.

    Best Cheap Car Insurance: Utah

    When it comes to finding the best car insurance in Utah, weve done the research for you. We compared the best car insurance companies based on coverage, customer experience, discounts, and the claims process.

    In this article, youll learn how to find the cheapest Utah car insurance, what type of coverage you are required to carry by law, and more about driving in the Beehive State.

    Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. Many factors affect your premium, so whats best for your neighbor might not be best for you.

    Use our tool above to start comparing personalized car insurance quotes:

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    Car Insurance In Utah

    Utah drivers enjoy fairly cheap car insurance costs compared to the national average. Even so, there are many ways to access even lower rates, including using discounts, comparing rates, and adjusting your coverage options. Here, we show you what car insurance rates you can expect to pay in the Beehive State, and offer our best tips for lowering your rates even further.

    Quick Facts

    • The average cost of car insurance in Utah is $198 per month, or $2,372 annually.

    • Sun Coast is the cheapest provider we found in Utah, with average premiums of $104 per month.

    • Your rates are determined by factors outside of your location, such as your age and driving record but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

    What Renters Insurance Discounts Does Travelers Insurance Offer In Utah

    Cheap Car Insurance in Utah

    There are a total of three potential renters insurance discounts to help Utah renters save on their insurance.

    • Bundling. Save 5% or more if you bundle your Travelers renters insurance with auto, boat, or umbrella insurance.
    • Protective devices. Get a discount if you have installed sprinklers or burglar alarms in your rental.
    • Smart devices. Get a break on your premium if you have smart technology to advise you of a fire or an attempted break-in at your rental.

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    How We Make Money

    The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

    Coverage.com, LLC is a licensed insurance producer . Coverage.com services are only available in states where it is licensed. 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 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.

    Our Customers Love Us

    This is a great company to work with. They are very responsive to my needs and the rates seem unbeatable. I use them for all of my personal needs and as a mortage broker, I have sent many clients to them because of their excellent rates.

    Wendy Hone Salt Lake City, UT

    I love Bear River. We work with Creed, hes THE BEST. He works so hard to get us the best coverage for our needs and always follows through. Thank you for all your help.

    Danielle Salt Lake City, UT

    Ask for Sisco if you are planning on getting insurance for your house. He was friendly, helpful, and took time explaining complicated details to me. Its rare to find top-notch customer service from insurance companies and ASA is one of the very few.

    Benjamin Wong Salt Lake City, UT

    Weve been with ASA insurance for over 4 years now and worked with them on many different policies and insurance changes. Creed and Clay have always been so easy to work with and willing to help. They work hard to find us the best prices and policies. Weve been very happy with them!

    Savannah Malmrose Salt Lake City, UT

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    Cheapest Full Coverage Car Insurance In Utah For 50

    Drivers in Utah with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  • Geico: $928 per year, or about $77 per month.

  • Nationwide: $963 per year, or about $80 per month.

  • Auto-Owners: $1,043 per year, or about $87 per month.

  • Farm Bureau Financial Services: $1,178 per year, or about $98 per month.

  • Progressive: $1,381 per year, or about $115 per month.

  • Check Out A New Quote

    Best Car Insurance in Utah

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    Is Car Insurance Mandatory In Utah

    Yes, car insurance is mandatory in Utah. That means by law, drivers need to carry at least minimum liability insurance. If your car is financed, your lender will require you to carry additional coverage, such as collision coverage, comprehensive coverage, or both. You should consider purchasing higher coverage limits, as these can easily be exceeded during a claim.

    Things To Know About Car Insurance When Moving To Utah

    • Utah is one of only a dozen states in the United States that follow a no-fault rule, which guarantees that your insurer is responsible for paying your medical costs regardless of who is at fault in an accident . Utah drivers are required by statute to buy personal injury insurance .
    • Utah provides at least $3000 in no-fault personal injury protection insurance. According to the Utah Division of Motor Vehicles, all car occupants must have no-fault insurance.
    • All drivers in Utah are required to have liability insurance of 25/65/15.
    • For bodily injury/death, the maximum award is $25000 per person
    • Utah drivers must carry at least $3000 in personal injury insurance . When it comes to personal harm, Utah’s minimum liability provisions are reasonable compared to other states.
    • It’s easy to imagine losses reaching $15000 if you’re driving a new car. Many drivers should consider buying additional insurance just for this purpose.

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    Driving Around Utah’s Bonneville Salt Flats

    One of the most unique geographical features of Utah is the Bonneville Salt Flats, which can be seen along I-80 between Salt Lake City and Wendover, NV. The area was designated an Area of Critical Environmental Concern in 1985, owing to its unique geology, history, and aesthetic quality.

    To help preserve the Salt Flats, be sure to stay on existing roads while driving through the area. The off-road surface may appear sturdy, but much of it is only a thin crust of salt over soft mud and is easily damaged, especially when wet. Additionally, salt water is highly corrosive and can cause damage to the electrical system in your vehicle. Please preserve Utah’s geographical history by sticking to vehicle-designated roads.

    Cheapest Car Insurance For Teen Drivers In Utah

    How to Get Cheap Car Insurance in Utah | Best Utah Auto Insurance Quotes

    Teenage drivers in Utah often pay the highest auto insurance rates due to their inexperience behind the wheel and likelihood of being involved in a collision or receiving moving violations.

    Clearcover offers one of the most affordable auto insurance policies for teens at just $144/mo.

    While this is the best rate we found, be sure to do your research and compare rates to see whether you can find a better rate based on your personal driving history, location and other factors that influence how rates are set.

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    Is Car Insurance Required In Utah

    Yes, car insurance is legally required for all drivers in Utah. You must carry a car insurance policy with at least the state minimum limits to drive legally. There are other ways to satisfy the financial responsibility law, including posting a bond or qualifying for self insurance, but most drivers likely opt for a car insurance policy.

    Price Optimization In Utah

    Do you shop around before renewing your car insurance Utah policy?

    If not, you might be making a mistake.

    Contrary to what many believe, loyalty is not always a good thing. This is especially true in the case of car insurance since insurers have started using non-underwriting data to calculate premium rates, a practice known as price optimization.

    Since price optimization is legal in Utah, your insurer may well be using AI tools to find out the maximum rate you are willing to pay and then charging you that amount.

    In other words, you may be getting penalized rather than rewarded for sticking with the same auto insurance Utah provider. Therefore, shop around every now and then youll be letting your insurer know that they cant take your business for granted. Knowing this, theyll offer you the best rates to keep you within the fold.

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    How Bankrate Chose The Best Car Insurance Companies In Utah

    To find the best car insurance in Utah, Bankrates insurance editorial team analyzed a host of metrics, including AM Best ratings, J.D. Power customer satisfaction scores, discount availability and online accessibility. Additionally, we studied premium data provided by Quadrant Information Services. Using this information, we calculated a Bankrate Score ranging from 0.0 to 5.0 for each company. Our goal is that our holistic scoring model will help drivers get a complete and convenient view of how well a company performs while they shop for new car insurance.

    • Methodology

      Caret Down

      Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each states requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

    Cheap Car Insurance In Utah

    Best Cheap Car Insurance In Utah 2021 â Forbes Advisor

    According to our rate estimates, USAA tends to be the most affordable car insurance company in Utah. with an average cost of $872 per year for a full coverage policy. Geico and Progressive follow close behind for cheap car insurance in the state with average annual costs falling below $1,100 a year.

    Auto Insurance Provider

    Learn more about the provider in our comprehensive Geico insurance review.

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    Are There Any Minimum Car Insurance Coverage Requirements And Limits In Utah

    All Utah drivers should take the time to become familiar with the states car insurance laws, which can be complicated. Utah is a no-fault state, and drivers are required to carry personal injury protection , which provides coverage for injuries sustained in an accident, regardless of who is at fault. So if you’re in an accident with someone who ended up getting distracted driving, it is still not considered their fault. However, unlike many other no-fault states, Utah does allow drivers to submit a claim against an at-fault driver if the limits on their PIP coverage have been exhausted.

    Utah also requires drivers to obtain liability insurance. The minimum limits are outlined below, but its important to consider purchasing higher limits, as the minimums may not provide enough auto insurance coverage in the event of a costly accident.

    The final requirement uninsured motorist and underinsured motorist bodily injury coverage comes with a caveat: Utah drivers can opt to reject the coverage in writing. While rejecting uninsured/underinsured motorist coverage may result in cheaper premiums, it also means drivers arent covered in certain situations, such as an accident caused by a driver without insurance, a driver without enough insurance or a hit-and-run driver. The minimum limits required with this coverage are outlined below, but this means that if there are any medical bills or hospital bills as a result of the accident, you may be stuck paying for them.

    Liability:

    State Minimum Coverage Often Isn’t Enough

    As in most states, Utah’s minimum coverage mostly focuses on protecting other drivers from the policyholder. It offers no protection for the policyholder’s vehicle if they cause an accident or get into a single-car accident. Drivers will need collision and comprehensive coverage if they don’t want to pay for these repairs on their own.

    Collision coverage pays for vehicle repairs needed due to a single-car accident or an accident where the policyholder was at fault. Comprehensive coverage takes care of damages due to bad weather, theft, vandalism, and animal-vehicle collisions.

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    Car Insurance Coverage Options

    In addition to liability coverage, you might want to think about adding a few extras to your policy for more robust coverage:

    • Comprehensive and collision: These two coverages are designed to pay for damage to your vehicle due to a variety of scenarios. While theyre optional if you own your car outright, theyre typically required if you have a loan or lease.
    • Gap coverage: This coverage can help to cover the difference between your cars actual cash value and the amount you owe on your loan or lease if your vehicle is totaled or stolen.
    • Rideshare coverage: Rideshare drivers may need this option, which generally provides coverage while you have your app on but before youve picked up a rider or order.
    • Uninsured and /underinsured motorist: If youre in an accident with someone who doesnt have coverage or doesnt have enough coverage to pay for your injuries, these options can help pick up the tab.
    • Accident forgiveness: While most insurance premiums will increase after an accident, accident forgiveness coverage can prevent that.

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