Car insurance is not only legally mandatory; it’s also essential for protecting yourself and your assets against accidents. But knowing exactly how much coverage you require and finding a good balance between price and protection can be challenging – that’s why our Utah Car Insurance Calculator exists: to assist in finding just the right amount for you.
Car Insurance Calculator
How do Utah’s auto insurance rates compare with those in other states? There are various factors that could have an effect on the cost of your policy, such as location, driving record and coverage options. Drivers in Utah have two choices for coverage options in this state: minimum liability or full coverage with higher limits – while for some the minimum required may suffice, others may wish to protect their assets by opting for increased limits.
Your vehicle makes an impactful statement about who and what drives it; newer cars tend to have lower insurance rates than older models and vehicles with high performance features can incur significantly higher premiums.
Other factors that could alter your rate include age, gender, driving history and any DUI convictions that may increase premiums significantly. It is therefore vitally important that drivers are informed as to how these elements could have an impact on their car insurance premiums before making a decision.
Your credit score can have an enormous impact on the cost of car insurance premiums. On average, drivers with excellent credit pay around $1833 less annually compared to drivers with poor credit; additionally, adding 16-year-old drivers could increase costs by nearly $3,000.
Vehicle model year can also have an effect on your rate; drivers with a 2022 Acura ILX 2.4L should expect to pay around $1,546 annually in Utah for car insurance coverage.
Finding the appropriate car insurance coverage in Utah is vitally important, and our car insurance calculator can provide an estimate of what your premium might be for minimum liability coverage. For drivers seeking added protection, our full coverage calculator shows them what additional liability and PIP coverage might cost along with comprehensive and collision policies.
Small businesses in Utah will find our commercial auto insurance calculator helpful for calculating both minimum state requirements as well as optional coverage such as business interruption and roadside assistance. Furthermore, this tool shows how much it costs to add uninsured/underinsured motorist coverage (not mandatory but highly recommended) into their policies.
For our Utah car insurance cost calculations, we gathered quotes from some of the country’s leading insurers for a 30-year-old male driving a Honda Civic EX and with good credit and full coverage policy including increased liability limits, business interruption insurance and roadside assistance coverage.