Cheap Auto Insurance Utah

There are a few good things going for Utah motorists. First of all, drunk driving related traffic deaths are one of the lowest in the country. This is great news as you are safer on the roads without them. Secondly, Uninsured Drivers (8%) are well below the national average of 14%. The chance of being hit by a driver who cannot pay for your damages is less when there are fewer uninsured drivers. Thirdly, living costs in the Beehive State are lower than most states.

How Much Does Automobile Insurance Cost in Utah?

Rates appear to be neither high nor low. Average cost in Utah is $734, which is over $100 lower than national average of $841. This is a good indication that overall risks for drivers in the state are lower. That is why insurers are happy to offer reasonable premiums. You need to be a good driver and live in a safe environment to get inexpensive auto insurance rates.

When you find these cheap rates you may as well buy full coverage, which is estimated to be $1,061 on average in this state. Again it is about $270 cheaper than the US average. Full cover policies not only protect your car but also usually offer increased level of liability coverage. Hopefully, you will never need much larger liability protection but people are litigious in America and you may face one of those exaggerated liability claims. Then, you will really be glad that you have enough coverage and your insurer will take care of it for you.

Cheap Auto Insurance UtahThere are still a few more discounts you can qualify for and bring the costs down even further. Some of those discounts may have nothing to do with driving. For example, having a great credit score can save you whopping 20% on vehicle insurance. Studies show that there is a correlation between making a claim and credit score. That is why automobile insurers can check your credit score in majority of the states including Utah. Therefore it is essential that you look after your financial affairs well along with driving carefully if you want to save money by getting even more discounts.

Utah Auto Insurance Requirements

Minimum liabilities coverage required in UT are;

  • $25,000 for bodily injury or death per person.
  • $65,000 total for bodily injury or death per accident.
  • $15,000 for property damage. 

Utah also requires drivers to carry

  • $3,000 personal injury protection (PIP).

For a better protection on the roads you will need Uninsured Drivers Coverage. Also, you may want to insure your automobile with Collision and Comprehensive coverage. You can find out a lot more information on state website. They are also great source of information and advice on many aspects of insuring vehicles. They can tell you if a particular broker, agent or company is licensed to sell policies in the state.

You can also look at their website and find out the number of complaints an insurer received. You should remember that it is not the number of complaints you should be looking for but the ratio of complaints to the number of policies they have in affect. Some companies may receive a lot of complaints because they sold much more policies than the rest.

If you are looking for better and cheaper coverage in Utah there are a few channels that can help you. You can go direct, look online through comparison websites or use a broker to help you out. Whichever method you use you should make sure that you covered large portion of the market. Getting only one quote and going with it is not a wise move regardless of where you live in the USA. When there are hundreds of providers you would be extremely lucky to find the most competitive one in one shot.

Another thing to keep in mind is that a cheap insurer for your friend may not be able to offer you cheap rates because your unique circumstances are different than your friend’s. Thinking that what works for your friends or family will work for you too is an easy mistake to make. For example, your parents may be good drivers with years of clean driving and claim history. They may own their home, drive a safe automobile and have excellent credit score. Most companies would be happy to offer them the lowest rates. If you are a young person just leaving home with hardly any driving or credit history it is highly likely that your parents’ insurer isn’t a good fit for you. You are looking for the most affordable insurers for young drivers and they are usually different than the best insurers for established drivers.

Cheap Car Insurance Companies in Utah

Why not start your search with these companies that are the cheapest in your state.

  1. Bear River, $514
  2. GEICO, $604
  3. Farm Bureau, $798

When you pick the most competitive insurer in the Beehive State you can save as much as 50%. There isn’t any other single discount that can offer you such savings, including no claim and good driver discounts even together. So, it is clear that you can save hundreds of dollars if you often shop for vehicle insurance and switch insurers when you find a good deal.

To make it even more clear, just look at the estimated quotes for liability only coverage and you will see that the difference between the cheapest (Bear River, $514) and third cheapest (Farm Bureau, $798). That is $284 savings just for going with Bear River rather than Farm Bureau. Image how much you would save by switching from one of the expensive insurers to one of the cheapest ones. And imagine you want to buy full coverage auto insurance rather than the basic coverage. Would saving $1,000 surprise you? It would definitely not surprise us since we see it happening everyday.

These three companies remain to be the cheapest throughout Utah. Premiums in Utah cities are huddled around the similar average estimated quotes nicely including Salt Lake City. There isn’t any city that is sticking out to be fairly cheap or expensive. This is unusual because cities are more expensive for automobile insurance due to higher risks of accidents, auto thefts and crimes.

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