When it comes to finding the cheapest car insurance in Utah, you may be wondering where to start. Car insurance rates vary widely by zip code and city. Knowing how to compare quotes from different companies can help you save hundreds of dollars annually.
The average cost of auto insurance in Utah is $1,112 per year. That’s less than half the national average, and Utah ranks in the top 35 for the cheapest car insurance in the U.S. However, prices vary even more if you live in an expensive part of the state. In fact, drivers in the most expensive parts spend an extra $500 a year on auto insurance.
You will want to check your local DMV to see what the minimum required coverage is in your area. You should also look for any discounts that might be available. If you have good driving records, you might be eligible for lower rates. Additionally, if you’re a homeowner, you may be able to get a discount.
While you’re shopping around, be sure to consider your age and the type of vehicle you drive. Younger drivers tend to be more accident-prone, and insurers will charge them higher premiums. On the other hand, mature drivers usually pay less than young drivers.
You’ll want to choose comprehensive and collision coverage if you want to be protected if you’re in an at-fault accident. Also, you may want to consider adding personal injury protection (PIP) to your policy. This type of cover pays for medical expenses if you or your passengers are injured in a car accident. It isn’t mandatory, but it can be a smart idea.
The minimum coverage requirement in Utah is $15,000 for property damage liability and $25,000 for bodily injury liability. The maximum amount of insurance coverage you can purchase in Utah is $65,000 for bodily injury and property damage in an accident.
There’s a simple but effective car insurance calculator that can tell you how much you should be paying for your Utah auto insurance. By plugging in your ZIP code and other pertinent information, you’ll find out how much you’re spending on your car insurance.
The state of Utah has more than 103,000 miles of roadways, so it’s no surprise that car insurance rates can vary greatly. Although the state has minimum requirements, you’ll still have plenty of options to customize your coverage and protect yourself.
If you’re looking for the cheapest car insurance in Utah, GEICO is a good option. They offer a variety of discounts, including a defensive driving course. Despite their low rates, they also offer exceptional service and excellent claims handling.
Another option is the Utah Automobile Insurance Plan, which is a state-run program designed for high-risk drivers. A driver can qualify for this if he or she has a clean driving record and has not been in a serious accident within the past five years. Adding PIP to your policy can pay for a repair bill that can easily exceed $15,000.
The best way to avoid getting ripped off is to shop around. Your premiums will depend on your age, the type of car you drive, the state you live in, and other factors.