Utah is a no-fault state, meaning drivers are solely responsible for paying their car insurance claims after an accident. Drivers can save money by comparing quotes from Utah’s best car insurers; to assist, WalletHub analyzed rates from local insurers to determine who offers the cheapest coverage in each city and ZIP code throughout Utah; additionally we compared national companies’ quotes against each other so drivers could see just how much money can be saved by switching providers.
Car insurance can be an arduous product to navigate. Many variables contribute to its cost, such as coverage type and amount chosen, driving history and credit score – these all impact its cost significantly. Furthermore, insurers utilize different underwriting standards and pricing methodologies which could impact on what rate they offer you in the end.
All these elements combine to form your annual premium, which is the amount you pay annually for car insurance. Utah averages an $846 premium per year for full coverage auto policies; however, your rate can differ based on factors like where you live and any tickets accrued (speeding tickets can increase rates more than DUI-related tickets).
When purchasing car insurance policies in Utah, it’s essential to consider all these factors and compare quotes from multiple insurers as the best coverage can vary significantly between carriers. To simplify this process we suggest using Jerry, an AI-powered free online tool partnered with over 55 top auto insurers which allows users to receive personalized quotes within minutes by answering just a few simple questions.
Age and gender also factor into the cost of car insurance in Utah, such as USAA, Nationwide, GEICO or other reputable insurers. Young drivers usually pay the highest rates due to inexperience driving on public roads as well as increased risks such as accidents. Conversely, older drivers can find more competitive pricing with them.
Utah car insurance costs vary significantly by city. Salt Lake City tends to have slightly higher car insurance rates due to theft and vandalism occurring more frequently; therefore driving up overall insurance costs. Furthermore, costs vary based on ZIP code as more costly areas tend to be near major roads or urban centers.
Before making your decision, it is also wise to research any applicable discounts you might qualify for. Some carriers provide special student or senior citizen discounts. Furthermore, choosing pay-in-full options or paperless billing can save money and let’s face it: letting car insurance lapse can cause rates to skyrocket significantly!