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Best Cheap Car Insurance in Utah for 2018

January 31, 2018
Auto Insurance, Insurance

Shopping around is crucial to finding cheap car insurance in Utah. Costs vary depending on your age, driving record, credit and other factors. In some cases, prices rise or fall from one insurer to the next for seemingly no reason.

To help you compare estimates in the Beehive State, NerdWallet researched quotes from the state’s seven largest insurers and found the three cheapest options for the following types of drivers:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Also in this article

Minimum car insurance requirements in Utah

Alternative car insurance for high-risk drivers

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $693/year

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Price

  • $1,029/year

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price

  • $1,140/year

Bear River Mutual was the cheapest option we found for drivers with a clean driving record and good credit, at only $693 per year. Geico and American Family rounded out the top three, though both had rates significantly higher than Bear River’s.

If you don’t have any blemishes on your driving record, look into extra savings through safe-driving discounts companies might offer, such as those that reward years of driving without claims or accidents.

Cheapest for young drivers

For drivers in their early 20s.


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Price

  • $639/year

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price

  • $665/year

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Price

  • $893/year

Young drivers typically don’t have much to lose in a crash-related lawsuit and can therefore select lower coverage limits than older drivers who have more money at risk. We gathered rates for motorists in their early 20s carrying the minimum required coverage and found this group can score relatively cheap car insurance in Utah.

Geico notched the lowest average quote at $639 per year, which comes to roughly $53 a month. Bear River Mutual and Allstate came in at $55 and $74 per month, respectively, rounding out the cheapest three.

Cheapest for drivers with one at-fault crash


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price

  • $740/year

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price

  • $1,676/year

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Price

  • $1,939/year

You will usually see a rate increase after you’ve caused a crash, whether you renew with your current company or shop around for another. Bear River Mutual’s rate was only $4 a month higher than its quote for good drivers, coming in as the cheapest at $740 per year.

American Family’s rate was more than double that, and third-cheapest option Allstate had an average rate about $1,200 higher than Bear River’s cheapest rate. This just shows that comparing several quotes can really pay off if you’re looking for cheap car insurance in Utah, even if you have a blemished driving record.

Cheapest for drivers with poor credit

For drivers placed in the “Low Credit” tier.


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price

  • $987/year

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price

  • $1,804/year

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Price

  • $2,003/year

Car insurance companies in Utah may use your credit as a factor when determining your rate and typically charge higher prices for those with poor credit. In fact, judging by our findings, having credit issues in Utah can be worse than causing a collision when it comes to insurance rates.

Bear River Mutual returned the best deal for this group at $987 per year. That’s nearly $300 higher than the company’s rate for good drivers with no credit problems, and nearly $250 higher than its price for customers with an at-fault crash. American Family and Geico were the next in line, respectively, although both had markedly higher rates than Bear River.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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price

  • $654/year

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Price

  • $862/year

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price

  • $963/year

Retirees typically travel fewer miles than their younger, commuting counterparts, which can translate into relatively cheap car insurance in Utah.

We gathered quotes for drivers in their 60s who put half as many miles on the odometer in a year as other groups. Bear River Mutual led the field with a rate of $654 per year, cheaper than the best deal we found for motorists half that age who commute. Geico and American Family were the next cheapest, respectively.

If you’re age 55 or older, state law entitles you to a discount on your policy by completing an approved motor vehicle accident prevention course and showing the certificate of completion to your insurer. The discount lasts for three years.

Minimum car insurance requirements in Utah

Utah 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.

Alternatives 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 car insurance in Utah, try NerdWallet’s car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Utah

CategoryCheapest option
Good driversBear River Mutual
Young driversGeico
Drivers with one at-fault crashBear River Mutual
Drivers with poor creditBear River Mutual
Retired driversBear River Mutual

Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per accident.
  • $50,000 property damage liability coverage per accident.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per accident.
  • $3,000 personal injury protection.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was age 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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