Utah is a no-fault car insurance state, meaning drivers rely on their own insurer to cover injury-related costs. Along with liability coverage, many drivers elect to add extra coverage that helps pay medical expenses and repair costs incurred due to uninsured or underinsured motorists in an accident; additionally some may opt for collision and comprehensive car coverage as additional protection against loss.
All these extras will impact the total cost of your policy, but certain factors can help narrow down your choices and provide maximum coverage at an economical cost. Here are some important things to keep in mind when selecting an auto insurer:
Age of the Driver mes One of the key determinants in how much car insurance costs is the age of its drivers. Younger drivers are more likely to become involved in accidents, so their rates tend to be higher on average. Conversely, having maintained a clean driving history without traffic violations or at-fault crashes for several years can lower premiums accordingly.
Vehicle Type
Your choice of car model can also have an effect on how much car insurance costs. Certain cars are more costly to repair or replace than others and more likely to attract thieves or cause accidents that require costly claims settlement. Larger and more powerful cars generally cost more to insure than smaller less costly models.
Your Driving Record
No matter your age or tenure in the insurance industry, your driving record plays a huge part in how much car insurance costs in Utah. Even one ticket or at-fault accident could increase rates significantly and it’s best to compare multiple companies when at fault so as to find the best price immediately.
Your Credit History
Credit histories have an immense effect on car insurance rates in Utah and many other states, often increasing them by as much as 76% for full coverage if your score drops below 750. This is because drivers with lower scores tend to file more claims, necessitating insurers to charge them higher premiums in response.
To help you find the ideal car insurance policy in Utah, WalletHub analyzed over 30 of the largest auto insurers that provide policies here and ranked them based on customer service, financial stability and claims handling processes. Of those examined were GEICO, Allstate, American Family Farm Bureau Allied. GEICO offers some of the lowest rates for drivers between 16-25 and drivers over 25 with clean driving records alike; you can receive personalized quotes in three minutes or less using our online quote tool!