Looking for auto insurance in Utah? This guide will introduce you to the important aspects of auto insurance in Utah.
In this blog you will learn what the auto insurance requirements are in Utah, how to choose coverage options, and how the cost of car insurance varies in different cities.
Whether you are searching for cheaper options or looking for the most affordable plan for youth, here you will get the answer to every question. Read on and learn how to choose the best car insurance in Utah.
Understanding Utah Auto Insurance
Purchasing auto insurance in Utah is essential for your protection and legal needs. This state requires minimum liability coverage and personal injury protection (PIP). Liability coverage covers bodily injury and property damage, while PIP covers medical expenses after an accident.
Utah is a no-fault state, which means each driver covers the expenses with their own insurance policy. Compare different companies for cheaper options, and choose your coverage wisely. Read on and learn how to get the best auto insurance in Utah.
Utah Auto Insurance Requirements
When purchasing auto insurance in Utah, you must meet minimum requirements set by the state. These requirements ensure that you and others are financially protected in the event of an accident. The following coverages are mandatory in Utah:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | Injuries you cause to others in an accident | $25,000 per person, $65,000 per accident On 01/01/2025: $30,000 per person, $65,000 per accident |
| Property damage liability | Damage you cause to other people’s property in an accident | $15,000 per accident On 01/01/2025: $25,000 per accident |
| Personal Injury Protection (PIP) | Your medical costs due to an accident, plus lost wages and death benefits, regardless of who’s at fault. | $3,000 |
Comparing Utah Car Insurance Costs
The cost of car insurance in Utah depends on various factors, such as the driver’s profile, vehicle type, location, and driving records. Here we will discuss the changing costs of car insurance in Utah and quotations under various circumstances.
How Have Car Insurance Costs in Utah Changed?
The cost of car insurance in Utah has been changing over time. Major changes in this have occurred according to economic conditions, policies of insurance companies, and state laws.
In the last few years, there has been a decline in premiums, sometimes an increase. This change is associated with repair costs, rate of accidents, and insurance providers strategies.
Yearly Change in Utah Car Insurance Costs
| Year | Avg. Annual Premium — Utah | Yearly Change — Utah |
|---|---|---|
| 2024 | $1,741 | $126 |
| 2023 | $1,615 | -$2 |
| 2022 | $1,617 | $231 |
| 2021 | $1,386 | $73 |
| 2020 | $1,313 | $42 |
| 2019 | $1,271 | $84 |
| 2018 | $1,187 | -$609 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Utah Car Insurance Quotes After an Accident or Ticket
Driving records have a direct impact on insurance premiums. Insurance rates increase after an accident or ticket, as insurance companies consider such drivers to be more risky. When analyzing the average premium of insurance companies after an accident or ticket in Utah, it is clear that the rates depend on the company and the driving records.
Utah Car Insurance Quotes After an Accident or Ticket
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $887 | $148 |
| GEICO | $1,144 | $191 |
| American Family | $1,291 | $215 |
| Progressive | $1,294 | $216 |
| Nationwide | $1,308 | $218 |
| Allstate | $1,847 | $308 |
| State Farm | $2,695 | $449 |
Cheap Auto Insurance for Teens and Young Drivers in Utah
Car insurance costs higher for adolescent and young drivers, as insurance companies consider them high -risk. However, with the help of the right company and discount you can reduce your cost.
Glimpse of cheap insurance options:
- Usaa and Geico are the most economical options for young drivers, whose monthly premium is $ 349 and $ 362 respectively.
- The cost of State Farm is the highest, monthly premium $ 1,360.
Cheap Auto Insurance for Teens and Young Drivers in Utah
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $2,092 | $349 |
| GEICO | $2,172 | $362 |
| American Family | $2,704 | $451 |
| Nationwide | $2,714 | $452 |
| Progressive | $4,274 | $712 |
| Allstate | $4,349 | $725 |
| State Farm | $8,160 | $1,360 |
Finding the Best Car Insurance in Utah
Choosing the best car insurance in Utah is an important decision. This not only ensures your safety but also keeps your financial situation balanced. In this section, we will discuss cheap full coverage and liability insurance options and identify Utah’s top insurance companies.
Cheap Full Coverage Insurance in Utah
Full coverage insurance is necessary for the widespread safety of your vehicle, as it includes liability, collagen, and compressive coverage. It is possible to find cheap full coverage options in Utah, especially if you choose the right company and take advantage of the discount.
Cheap full Coverage Options:
- Usaa provides the most affordable full coverage in Utah, which has a monthly premium $ 101.
- Geico and Nationwide are also budget friendly options.
- State farm rates are the highest, which may be suitable for customers with high budget.
Cheap Full Coverage Insurance in Utah
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $607 | $101 |
| GEICO | $705 | $117 |
| Nationwide | $777 | $130 |
| American Family | $802 | $134 |
| Progressive | $846 | $141 |
| Allstate | $1,397 | $233 |
| State Farm | $2,107 | $351 |
Cheap Liability Insurance in Utah
Liability insurance is required in Utah to meet minimum state requirements. This coverage pays for damages and injuries you cause to others. It is possible to choose cheaper liability insurance, especially when you compare rates from different companies.
Cheap Options:
- USAA is the most affordable option, with a monthly premium of $36.
- GEICO and Progressive also offer budget-friendly options.
Cheap Liability Insurance in Utah
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $217 | $36 |
| GEICO | $283 | $47 |
| Progressive | $344 | $57 |
| Nationwide | $350 | $58 |
| American Family | $422 | $70 |
| Allstate | $574 | $96 |
| State Farm | $894 | $149 |
What Are the Best Car Insurance Companies in Utah?
When choosing car insurance in Utah, it is important to consider the cost of the premium, quality of coverage, and customer service. Here is information about some of the top insurance companies in Utah that are suitable for a variety of needs.
Best Car Insurance Companies in Utah
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium | Best For |
|---|---|---|---|
| USAA | $607 | $101 | Military Families |
| Auto-Owners | $779 | $130 | Affordable Full Coverage |
| American Family | $802 | $134 | Family-Friendly Coverage |
| State Farm | $2,107 | $351 | Excellent Customer Support |
Car Insurance in Utah Cities
Car insurance costs and coverage options in various cities of Utah depend on many factors, such as traffic conditions, accidents rate, and regional population. In this section, we will discuss car insurance in major cities of Utah.
Car Insurance in Popular Utah Cities
Car insurance costs vary in major cities of Utah, which depend on different factors such as traffic, accident rate, and population density. The insurance costs and their characteristics of some popular cities here are discussed.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Provo | $1,158 | $193 |
| Orem | $1,177 | $196 |
| West Jordan | $1,207 | $201 |
| Salt Lake City | $1,224 | $204 |
| West Valley City | $1,280 | $213 |
Conclusion
Understanding the cost, coverage, and requirements of auto insurance in Utah helps make a wise decision.
Whether you’re looking for full coverage, affordable liability insurance, or want to compare city-specific insurance rates, this guide has provided you with the information you need. Remember, choosing the right policy depends on your individual needs and budget.