Utah law requires that car insurance be purchased. At least 25/65/15 coverage is required for drivers. This includes $25,000 per person in bodily injuries coverage, $65,000 per accident bodily injury coverage, and $15,000 per accident property damage coverage. Utah is also a state that does not require drivers to have Personal Injury Protection (PIP).
In Utah, the average cost for car insurance is $332 per annum for a minimum coverage policy and $1186 for a complete coverage policy. A minimum coverage policy provides only state minimum coverage, while a full coverage policy offers collision and comprehensive coverage to protect your vehicle against losses such as theft and fire.
What is the cost of Utah car insurance?
The state will affect the car insurance rates . Rates are also personalized according to where you live, your driving record, and the insurance company that you purchase coverage. Utah drivers pay less than the average American driver for car insurance.
The average cost for car insurance in the United States for minimum coverage is $565 annually and full coverage policies are $1,674. This means that Utah drivers pay $488 more for full coverage car insurance, and $233 less to insure their car with minimum coverage.
Utah Car insurance rates by company
The best Utah car insurance company is not always the most affordable. Below is a table that shows the average annual car insurance premiums of some of Utah’s most well-known and largest insurance companies. Rates can vary based on which provider you choose.
Utah Car insurance rates by City
Utah’s car insurance rates do not vary across the state. Your rate will be determined by where you live and what your ZIP code is. Below is a table that shows the average cost for car insurance in Utah’s 20 largest cities and how it differs from the state’s average premium.
Utah car insurance rates based on age
Because of their inexperience on the roads, young drivers are most likely to pay high rates for car insurance. According to data from the Centers for Disease Control and Prevention, the risk of a car crash is higher for drivers aged 16-19 than for any other age group. Below is a table that shows Utah’s auto insurance rates sorted by age.
Utah driving record insurance rates
Your driving record is one of the most important factors that can impact your car insurance rates. You will likely pay a higher premium if you have had any convictions in the past few years. Below are the Utah car insurance rates for drivers who have had one speeding ticket, one DUI and one accident. These factors can impact insurance premiums.
How to Save on Utah Car Insurance
Utah drivers pay lower than average rates for car insurance. There are ways to get affordable car insurance. Here are some tips:
- Your premium must be paid in full. If you are able to pay your annual premium on time and in full, your insurance company may reduce your premium.
- Completion of a defensive driving course: Insurance companies often offer discounts to drivers who have completed a approved defensive driver training program.
- You can improve your credit score. If your credit score is low, you may be able to get a lower car insurance rate.
- Switching insurance companies: If your rate is too high and you feel you can get a better deal, switching to insurance companies may be an option.
Questions frequently asked
What is the monthly cost of Utah car insurance?
Utah’s average car insurance rates are $332/year for a minimum coverage policy, $1,186 for full coverage policies, and $332/year for a full coverage policy. This amounts to approximately $27 per month for minimum coverage, and $98 for full coverage.
Which is the best Utah car insurance company?
Every person will have a different opinion on which car insurance company is best in Utah. USAA may be the best choice for some drivers. Allstate might be a better option for others. Compare quotes from different insurance companies before you make a decision.