Cheapest Car Insurance Rates in 2023
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Cheap SR 22 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)
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)
- 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?
What is considered full coverage auto insurance in Utah?
What does full coverage auto insurance cover in Utah?
How does Utah auto liability insurance work?
What do you need to get auto insurance in Utah?
How do I renew my auto insurance in Utah?
How to pay car insurance in Utah?
What zip code to put for auto insurance in Utah?
Who is responsible for auto insurance Utah?
Utah Car Insurance Laws
This section answers your questions about Utah car insurance laws.
What auto insurance is required in Utah?
Car insurance cancelled, how long do I have insurance for in Utah?
What is the Utah requirement for proof of car insurance?
What happens if I have no car insurance in Utah?
What is the minimum basic coverage for auto insurance in Utah?
What is the state minimum car insurance in Utah?
How long do I have to get insurance on a new car Utah?
Why are state of Utah auto insurance minimums so low?
What is the average auto insurance cost for a married couple in Utah?
In Utah, what happens without car insurance?
What is Utah law for uninsured and underinsured auto insurance coverage?
Utah auto insurance when do authorized drivers need to be on policy?
How long can you go without car insurance in Utah after buying a new car?
In Utah, how long to add new licensed driver to auto insurance?
When can auto insurance drop you in Utah?
What am I legally required to have car insurance Utah?
What is the penalty for driving without insurance in Utah?
In Utah, for a car paid in full, what type insurance must be on vehicle?
How long can my child stay on my car insurance in Utah?
Do you turn in tags when you drop insurance in Utah on a car?
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?
Who has the best car insurance rates in Utah?
How much the car insurance per month in Utah?
How much to add a 16-year-old to car insurance Utah?
How much is general auto insurance in Utah?
What is the price for car insurance in Utah?
How to get cheap high risk car insurance in Utah?
What is the cheapest motorcycle insurance in Utah?
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?
When getting an estimate for car repair from insurance what are my rights Utah?
How long do I have to file a car accident insurance injury claim in Utah?
In Utah your insurance company is legally liable to pay up to how much of the other person's car?
Car accident in Utah without cops - how do you claim insurance?
In Utah, who is liable for a car without insurance?
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.