Utah offers motorists much to explore and enjoy, from its snowcapped Wasatch Mountains in Salt Lake City to Provo’s lush pine forests, there are numerous scenic spots and outdoor activities to experience here. But with so much at play for drivers in Utah, having reliable car insurance that protects against unexpected events is important if they plan to explore its scenic views and activities.
Utah residents have several ways of cutting their car insurance rates with ease. Drivers in this state can take advantage of discounts provided by top insurers for drivers such as students, safe driving records and home ownership – plus incentives offered for purchasing multiple policies such as home and auto or life and health.
Cost of car insurance in Utah depends heavily on factors like age, driving history and credit scores. Drivers with clean records typically get offered lower premiums; while those who have been involved in accidents or tickets tend to pay considerably more. Some providers even increase premiums if a DUI conviction exists on your record.
Utah car insurance ratings consider multiple factors when assigning rates, such as driver history and minimum state requirements for coverage levels and type of vehicle driven. Below is a table detailing average car insurance premiums by provider for different vehicle types and coverage amounts in Utah.
Full coverage insurance – which encompasses liability, comprehensive and collision – often costs more than Utah state minimums; however it’s essential for drivers as it helps pay medical expenses and repair costs should an accident happen to be their fault as well as rental car expenses while your own car is being repaired.
Utah drivers can reduce their car insurance rates by either lowering the deductible on their policy or increasing coverage limits, as well as by taking advantage of any discounts provided by their provider, such as for paying in full, bundling insurance products together, having anti-theft devices installed or paying upfront. Drivers in this state can also find savings by enrolling in defensive driving courses and avoiding traffic violations.
Car insurance rates in Utah can differ considerably, depending on where drivers live and their zip code. Drivers in more costly areas spend an average of over $500 more annually compared to drivers living in less costly locales.
Utah car insurance providers with excellent customer service and affordable rates include GEICO. GEICO stands out with competitive pricing and discounts that help drivers reduce the cost of auto coverage while receiving top marks in customer satisfaction ratings. Other top insurers in Utah include State Farm, Allstate and Progressive.