Utah state law mandates drivers carry at least the minimum coverage of bodily injury liability insurance, property damage liability insurance, and personal injury protection (PIP). A basic policy may not provide adequate coverage in case of a catastrophic accident – especially those who drive expensive cars or commute frequently – so it’s essential to compare car insurance rates from various companies and consider adding extra coverage like collision or comprehensive into their policy.

Your type of vehicle and level of coverage choices have an enormous influence on car insurance costs, such as an increase of more than 16x when comparing rates between male drivers aged 40 years old in Utah versus female drivers in that age group. Furthermore, high performance cars tend to cost more than compact SUVs when insuring.

Your driving record has an enormous effect on the cost of car insurance premiums, with any recent at-fault accidents having an immediate and profound effect. A DUI conviction can increase premiums substantially.

Other factors that influence car insurance rates include your locality and vehicle make/model/make and model. Some cars are more susceptible to theft than others, which could increase premiums accordingly; additionally, certain features of your car could increase the risk of accidents which would also drive up rates.

Your credit history plays an integral part in determining the cost of car insurance. Most providers consider those with poor credit as being higher risk customers and will often charge them more than drivers with stellar scores.

If you want a better deal on Utah car insurance, shopping around and comparing quotes are crucial steps. A simple online tool like The Zebra’s car insurance comparison engine can offer access to rates from top providers.

By shopping around and taking advantage of available discounts and driving safely, you can lower your auto insurance rates in Utah. Enter your ZIP code above to begin comparing auto insurance rates now!