Cheap Car Insurance in Utah – September 2023

QBE offers the cheapest car insurance in Utah, with an average monthly rate of $95 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Utah isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Utah is QBE at $1,143 per year on average, or $95 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Utah. Meanwhile, the average cost of full coverage car insurance in Utah is $2,240 per year, or about $187 per month.

Minimum coverage in Utah is $855 per year on average, but we found you can likely get a cheaper policy. For example, QBE offers the cheapest rates in Utah at $368 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Salt Lake City.

How we chose the cheapest companies in Utah

NerdWallet’s editorial team analyzed car insurance rates from 19 auto insurers in Utah and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Utah. For full coverage, we used the below 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Utah where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Utah for 20-year-olds

Drivers in Utah with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. QBE: $2,000 per year, or about $167 per month.
  2. ACCC Insurance: $2,393 per year, or about $199 per month.
  3. Auto-Owners: $2,527 per year, or about $211 per month.
  4. Farm Bureau Financial Services: $2,651 per year, or about $221 per month.
  5. American Family: $3,013 per year, or about $251 per month.

Cheapest minimum coverage car insurance in Utah for 20-year-olds

Drivers in Utah who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. QBE: $558 per year, or about $47 per month.
  2. ACCC Insurance: $858 per year, or about $72 per month.
  3. Farm Bureau Financial Services: $1,072 per year, or about $89 per month.
  4. Auto-Owners: $1,100 per year, or about $92 per month.
  5. Progressive: $1,180 per year, or about $98 per month.

Cheapest auto insurance in Utah for 20-year-olds with poor credit

Drivers with poor credit in Utah should look at the following insurers with the lowest average rates for minimum coverage:

  1. QBE: $1,013 per year, or about $84 per month.
  2. ACCC Insurance: $1,442 per year, or about $120 per month.
  3. Geico: $1,791 per year, or about $149 per month.
  4. Progressive: $1,804 per year, or about $150 per month.
  5. Nationwide: $1,969 per year, or about $164 per month.

Cheapest auto insurance in Utah for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. QBE: $769 per year, or about $64 per month.
  2. ACCC Insurance: $1,072 per year, or about $89 per month.
  3. Farm Bureau Financial Services: $1,244 per year, or about $104 per month.
  4. Progressive: $1,330 per year, or about $111 per month.
  5. Auto-Owners: $1,486 per year, or about $124 per month.

Cheapest auto insurance in Utah for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. QBE: $1,042 per year, or about $87 per month.
  2. ACCC Insurance: $1,232 per year, or about $103 per month.
  3. Progressive: $1,619 per year, or about $135 per month.
  4. Farm Bureau Financial Services: $1,655 per year, or about $138 per month.
  5. Auto-Owners: $1,695 per year, or about $141 per month.

Cheapest auto insurance in Utah for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. ACCC Insurance: $951 per year, or about $79 per month.
  2. QBE: $1,042 per year, or about $87 per month.
  3. Progressive: $1,278 per year, or about $107 per month.
  4. Farm Bureau Financial Services: $1,686 per year, or about $141 per month.
  5. United Insurance Group: $1,926 per year, or about $161 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Utah for 30-year-olds

Drivers in Utah who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. QBE: $1,088 per year, or about $91 per month.
  2. Farm Bureau Financial Services: $1,301 per year, or about $108 per month.
  3. Auto-Owners: $1,393 per year, or about $116 per month.
  4. ACCC Insurance: $1,461 per year, or about $122 per month.
  5. Nationwide: $1,506 per year, or about $126 per month.

Cheapest minimum coverage car insurance in Utah for 30-year-olds

Drivers in Utah who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. QBE: $316 per year, or about $26 per month.
  2. Farm Bureau Financial Services: $479 per year, or about $40 per month.
  3. Auto-Owners: $512 per year, or about $43 per month.
  4. Nationwide: $590 per year, or about $49 per month.
  5. ACCC Insurance: $618 per year, or about $51 per month.

Cheapest auto insurance in Utah for 30-year-olds with poor credit

Drivers with poor credit in Utah should consider the following companies with the lowest average rates for full coverage:

  1. QBE: $1,862 per year, or about $155 per month.
  2. Nationwide: $2,141 per year, or about $178 per month.
  3. Farm Bureau Financial Services: $2,421 per year, or about $202 per month.
  4. ACCC Insurance: $2,462 per year, or about $205 per month.
  5. United Insurance Group: $2,475 per year, or about $206 per month.

Cheapest auto insurance in Utah for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. QBE: $474 per year, or about $39 per month.
  2. Farm Bureau Financial Services: $533 per year, or about $44 per month.
  3. Auto-Owners: $691 per year, or about $58 per month.
  4. Nationwide: $715 per year, or about $60 per month.
  5. State Farm: $733 per year, or about $61 per month.

Cheapest auto insurance in Utah for 30-year-old drivers with one at-fault crash

For drivers in Utah with a recent accident, here are the lowest average rate options for full coverage:

  1. Auto-Owners: $1,713 per year, or about $143 per month.
  2. Farm Bureau Financial Services: $1,913 per year, or about $159 per month.
  3. ACCC Insurance: $2,134 per year, or about $178 per month.
  4. American Family: $2,197 per year, or about $183 per month.
  5. QBE: $2,222 per year, or about $185 per month.

Cheapest auto insurance in Utah for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. ACCC Insurance: $1,614 per year, or about $134 per month.
  2. Farm Bureau Financial Services: $1,902 per year, or about $159 per month.
  3. United Insurance Group: $2,032 per year, or about $169 per month.
  4. Progressive: $2,077 per year, or about $173 per month.
  5. American Family: $2,106 per year, or about $175 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Utah for 40-year-olds

Drivers in Utah with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. QBE: $1,270 per year, or about $106 per month.
  2. ACCC Insurance: $1,276 per year, or about $106 per month.
  3. Farm Bureau Financial Services: $1,298 per year, or about $108 per month.
  4. Auto-Owners: $1,390 per year, or about $116 per month.
  5. Nationwide: $1,440 per year, or about $120 per month.

Cheapest minimum coverage car insurance in Utah for 40-year-olds

Drivers in Utah who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. QBE: $395 per year, or about $33 per month.
  2. Farm Bureau Financial Services: $479 per year, or about $40 per month.
  3. ACCC Insurance: $518 per year, or about $43 per month.
  4. Auto-Owners: $522 per year, or about $43 per month.
  5. Nationwide: $562 per year, or about $47 per month.

Cheapest auto insurance in Utah for 40-year-olds with poor credit

Drivers with poor credit in Utah can check out the following insurers with the lowest average rates for full coverage:

  1. QBE: $1,989 per year, or about $166 per month.
  2. Nationwide: $2,047 per year, or about $171 per month.
  3. ACCC Insurance: $2,148 per year, or about $179 per month.
  4. United Insurance Group: $2,282 per year, or about $190 per month.
  5. Farm Bureau Financial Services: $2,440 per year, or about $203 per month.

Cheapest auto insurance in Utah for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $533 per year, or about $44 per month.
  2. QBE: $623 per year, or about $52 per month.
  3. ACCC Insurance: $645 per year, or about $54 per month.
  4. Nationwide: $688 per year, or about $57 per month.
  5. Auto-Owners: $704 per year, or about $59 per month.

Cheapest auto insurance in Utah for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Utah, here are the companies with the lowest average rates for full coverage:

  1. Auto-Owners: $1,709 per year, or about $142 per month.
  2. ACCC Insurance: $1,862 per year, or about $155 per month.
  3. Farm Bureau Financial Services: $1,909 per year, or about $159 per month.
  4. American Family: $2,143 per year, or about $179 per month.
  5. United Insurance Group: $2,156 per year, or about $180 per month.

Cheapest auto insurance in Utah for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. ACCC Insurance: $1,410 per year, or about $117 per month.
  2. United Insurance Group: $1,873 per year, or about $156 per month.
  3. Farm Bureau Financial Services: $1,898 per year, or about $158 per month.
  4. Progressive: $1,938 per year, or about $162 per month.
  5. American Family: $2,052 per year, or about $171 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Utah for 50-year-olds

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

  1. ACCC Insurance: $1,180 per year, or about $98 per month.
  2. QBE: $1,193 per year, or about $99 per month.
  3. Farm Bureau Financial Services: $1,244 per year, or about $104 per month.
  4. Auto-Owners: $1,315 per year, or about $110 per month.
  5. Nationwide: $1,332 per year, or about $111 per month.

Cheapest minimum coverage car insurance in Utah for 50-year-olds

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

  1. QBE: $369 per year, or about $31 per month.
  2. Farm Bureau Financial Services: $456 per year, or about $38 per month.
  3. ACCC Insurance: $461 per year, or about $38 per month.
  4. Auto-Owners: $488 per year, or about $41 per month.
  5. Farmers Union: $519 per year, or about $43 per month.

Cheapest auto insurance in Utah for 50-year-olds with poor credit

Drivers with poor credit in Utah can check with the following companies, which showed the lowest average rates for full coverage:

  1. QBE: $1,876 per year, or about $156 per month.
  2. Nationwide: $1,891 per year, or about $158 per month.
  3. ACCC Insurance: $1,986 per year, or about $165 per month.
  4. United Insurance Group: $2,125 per year, or about $177 per month.
  5. Farm Bureau Financial Services: $2,332 per year, or about $194 per month.

Cheapest auto insurance in Utah for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $509 per year, or about $42 per month.
  2. ACCC Insurance: $573 per year, or about $48 per month.
  3. QBE: $650 per year, or about $54 per month.
  4. Nationwide: $654 per year, or about $55 per month.
  5. Auto-Owners: $659 per year, or about $55 per month.

Cheapest auto insurance in Utah for 50-year-old drivers with one at-fault crash

For drivers living in Utah with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Auto-Owners: $1,609 per year, or about $134 per month.
  2. ACCC Insurance: $1,721 per year, or about $143 per month.
  3. Farm Bureau Financial Services: $1,828 per year, or about $152 per month.
  4. United Insurance Group: $2,007 per year, or about $167 per month.
  5. American Family: $2,092 per year, or about $174 per month.

Cheapest auto insurance in Utah for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. ACCC Insurance: $1,303 per year, or about $109 per month.
  2. United Insurance Group: $1,744 per year, or about $145 per month.
  3. Progressive: $1,784 per year, or about $149 per month.
  4. Farm Bureau Financial Services: $1,818 per year, or about $152 per month.
  5. American Family: $2,001 per year, or about $167 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Utah for 60-year-olds

Drivers in Utah with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. ACCC Insurance: $1,026 per year, or about $85 per month.
  2. QBE: $1,139 per year, or about $95 per month.
  3. Nationwide: $1,242 per year, or about $104 per month.
  4. Farm Bureau Financial Services: $1,252 per year, or about $104 per month.
  5. Auto-Owners: $1,296 per year, or about $108 per month.

Cheapest minimum coverage car insurance in Utah for 60-year-olds

Drivers in Utah who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. QBE: $373 per year, or about $31 per month.
  2. ACCC Insurance: $428 per year, or about $36 per month.
  3. Farm Bureau Financial Services: $463 per year, or about $39 per month.
  4. Auto-Owners: $489 per year, or about $41 per month.
  5. Nationwide: $498 per year, or about $42 per month.

Cheapest auto insurance in Utah for 60-year-olds with poor credit

Drivers with poor credit in Utah can look at the following companies with the lowest average rates for full coverage:

  1. ACCC Insurance: $1,721 per year, or about $143 per month.
  2. Nationwide: $1,758 per year, or about $147 per month.
  3. QBE: $1,785 per year, or about $149 per month.
  4. United Insurance Group: $2,085 per year, or about $174 per month.
  5. Farm Bureau Financial Services: $2,349 per year, or about $196 per month.

Cheapest auto insurance in Utah for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $516 per year, or about $43 per month.
  2. ACCC Insurance: $534 per year, or about $44 per month.
  3. Nationwide: $624 per year, or about $52 per month.
  4. QBE: $659 per year, or about $55 per month.
  5. Auto-Owners: $661 per year, or about $55 per month.

Cheapest auto insurance in Utah for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Utah, here are the companies with the lowest average rates for full coverage:

  1. ACCC Insurance: $1,495 per year, or about $125 per month.
  2. Auto-Owners: $1,584 per year, or about $132 per month.
  3. Farm Bureau Financial Services: $1,840 per year, or about $153 per month.
  4. United Insurance Group: $1,969 per year, or about $164 per month.
  5. State Farm: $2,018 per year, or about $168 per month.

Cheapest auto insurance in Utah for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. ACCC Insurance: $1,132 per year, or about $94 per month.
  2. United Insurance Group: $1,711 per year, or about $143 per month.
  3. Progressive: $1,717 per year, or about $143 per month.
  4. Farm Bureau Financial Services: $1,831 per year, or about $153 per month.
  5. American Family: $1,991 per year, or about $166 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Utah for 70-year-olds

Drivers in Utah with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. ACCC Insurance: $1,127 per year, or about $94 per month.
  2. QBE: $1,297 per year, or about $108 per month.
  3. Farm Bureau Financial Services: $1,353 per year, or about $113 per month.
  4. Nationwide: $1,377 per year, or about $115 per month.
  5. Auto-Owners: $1,528 per year, or about $127 per month.

Cheapest minimum coverage car insurance in Utah for 70-year-olds

Drivers in Utah who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. QBE: $482 per year, or about $40 per month.
  2. Farm Bureau Financial Services: $533 per year, or about $44 per month.
  3. Farmers Union: $565 per year, or about $47 per month.
  4. Nationwide: $570 per year, or about $47 per month.
  5. ACCC Insurance: $571 per year, or about $48 per month.

Cheapest auto insurance in Utah for 70-year-olds with poor credit

Drivers with poor credit in Utah can look at the following companies with the lowest average rates for full coverage:

  1. QBE: $1,835 per year, or about $153 per month.
  2. ACCC Insurance: $1,895 per year, or about $158 per month.
  3. Nationwide: $1,947 per year, or about $162 per month.
  4. United Insurance Group: $2,533 per year, or about $211 per month.
  5. Farm Bureau Financial Services: $2,554 per year, or about $213 per month.

Cheapest auto insurance in Utah for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Utah, here are the companies with the lowest average rates for minimum coverage:

  1. Farm Bureau Financial Services: $594 per year, or about $49 per month.
  2. Nationwide: $695 per year, or about $58 per month.
  3. State Farm: $712 per year, or about $59 per month.
  4. ACCC Insurance: $714 per year, or about $59 per month.
  5. Progressive: $822 per year, or about $68 per month.

Cheapest auto insurance in Utah for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Utah, here are the companies with the lowest average rates for full coverage:

  1. ACCC Insurance: $1,640 per year, or about $137 per month.
  2. Auto-Owners: $1,895 per year, or about $158 per month.
  3. Farm Bureau Financial Services: $1,991 per year, or about $166 per month.
  4. State Farm: $2,139 per year, or about $178 per month.
  5. American Family: $2,316 per year, or about $193 per month.

Cheapest auto insurance in Utah for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. ACCC Insurance: $1,243 per year, or about $104 per month.
  2. Farm Bureau Financial Services: $1,983 per year, or about $165 per month.
  3. Progressive: $2,066 per year, or about $172 per month.
  4. United Insurance Group: $2,087 per year, or about $174 per month.
  5. American Family: $2,201 per year, or about $183 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 69 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in Utah

Utah is a no-fault state; motorists must carry liability insurance and personal injury protection (PIP) in at least the following amounts:

  • $25,000 bodily injury liability coverage per person.

  • $65,000 bodily injury liability coverage per accident.

  • $15,000 property damage liability coverage per accident.

  • $3,000 PIP.

Although this will be enough to drive legally, the bare minimum car insurance might not be enough to pay costs if you cause a severe crash. For instance, if you total another driver’s vehicle, the repair bill could easily exceed $15,000. Whatever your policy doesn’t cover would have to come out of your own pocket.

Check out NerdWallet’s guide to car insurance requirements by state for more details on selecting coverages and limits for your Utah auto policy.

Alternative car insurance in Utah

If crashes, DUIs or other factors are preventing you from getting car insurance on the voluntary market, you can apply for coverage through the Utah Automobile Insurance Plan.

For more help finding cheap auto insurance in Utah, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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