Utah Car Insurance Calculator

When purchasing car insurance in Utah, understanding which and how much coverage is right for you can be challenging. An online car insurance calculator is an easy and quick way to compare insurer rates on coverage you require as well as make decisions about which optional coverages should be included and how to lower premiums by altering coverage limits or deductibles on policies.

Utah requires that every driver carry at least $25,000 of bodily injury liability insurance per person and $65,000 per accident for bodily injuries sustained, and $15,000 of property damage liability coverage. Furthermore, personal injury protection (PIP) coverage pays medical expenses regardless of who was at fault in an accident; additional requirements may also be enforced by your lender or lessor.

Utah car insurance premiums are 14% above the national average. Your rate can depend on a variety of factors such as zip code and city; rates differ considerably even within neighborhoods so be sure to take time comparing rates in different regions before making your decision.

Before selecting an insurer, it’s also wise to carefully consider your driving record and credit history. A DUI on your record, for example, can more than double your rate and thus make shopping around and comparing quotes so important for high-risk drivers.

WalletHub conducted an in-depth evaluation of over 30 of Utah’s largest car insurers that are licensed to sell policies here and that offer online quote tools and mobile apps for purchasing and managing policies, in addition to having at least three-year track records of financial stability. Customer satisfaction ratings provided by surveys conducted by JD Power as well as consumer complaint data provided by NAIC were considered. Prices ranged between the minimum liability coverage required by Utah and any available maximum coverage options that each offered were also taken into consideration.

Results included a list of Utah drivers’ top car insurance providers listed by price. Progressive and Farm Bureau were found to provide full-coverage auto insurance at reasonable costs (estimates range between $24-$220 monthly respectively) followed by GEICO, Liberty Mutual and USAA.

Utah drivers looking for affordable car insurance options have three expensive car insurers to choose from: Allstate, Country Financial and Farmers Union Insurance. Allstate offers premiums that are 32% above the national average while Country Financial and Farmers Union have premiums that are 20% and 29% above. While each of these providers provide excellent customer service and have proven financial stability over time, their high premiums may not necessarily make them the right choice when searching for inexpensive auto coverage in Utah.