Car insurance is an essential necessity, and Utah boasts some of the lowest rates in the nation. While minimum coverage may suffice for some drivers, others may need higher limits in case of an accident. Drivers looking for further savings can utilize telematics policies which monitor driving patterns and offer discounts based on safe behavior – using our Utah Car Insurance Calculator can help find you an insurance plan tailored perfectly to your needs at an economical rate.
Utah car insurance costs can depend heavily on factors like age, location and driving record. Younger drivers usually pay more due to inexperience behind the wheel; those with clean driving records may be able to reduce premiums by switching providers; conversely those with bad records should expect to pay significantly more for coverage.
Like in most states, your car type can make a substantial impactful on your insurance rates. Because higher-end models tend to be more costly for repairs or replacement, their premiums typically tend to be higher than for compact sedans. Furthermore, certain models of cars are more likely to be stolen or damaged, resulting in even higher premiums for these specific models.
Utah drivers’ credit scores can have a profound effect on their auto insurance premiums; those with poor scores could pay up to 2.4x more for car insurance coverage compared to those with excellent scores.
Utah’s no-fault car accident system also plays a significant role in setting rates, with drivers turning to their insurer for compensation regardless of who caused an accident. While other states assign liability to one party after an incident occurs, Utah utilizes its own no-fault system so drivers may seek reimbursement from their own insurer regardless of who caused an incident. This way they can receive medical expenses reimbursement or reimbursement for vehicle damage no matter who was responsible.
ValuePenguin estimates the average full coverage car insurance cost in Utah as $126 monthly or $1507 annually, based on quotes from top-rated auto insurers in the nation. This cost encompasses liability and personal injury protection coverage along with comprehensive and collision coverage – see table for breakdown by city below.
Drivers can utilize our Utah Car Insurance Calculator to quickly compare quotes from top providers within minutes. The calculator asks several questions about your driving habits and vehicle to gauge risk to insurers, then compares that rate against what other drivers in your area pay. Just enter your zip code now to begin comparing Utah car insurance quotes! For additional assistance you may also call our helpful team for additional guidance or consultation.