Finest Low-cost Automotive Insurance in Utah 2021 – Forbes Advisor – Forbes

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Find cheap auto insurance in Utah

Utah's flawless auto insurance laws may seem complex, but finding a good price for auto insurance shouldn't take a lot of work. That's why we've rated Utah auto insurance companies to help you find some of the best rates in the state.

Related: Best Auto Insurance

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Cheap car insurance in Utah for good drivers

Utah drivers avoiding traffic violations and culpable accidents can find great prices but still need to do a little comparative shopping. If you have a good driving record, get a quote from Geico Auto Insurance and car owners who had the best rates among the companies we surveyed. If you're a member of the military or a veteran, USAA auto insurance has competitive rates.

Cheap car insurance in Utah for drivers with a parking ticket

A Utah speeding ticket could end up costing you nearly $ 200 more per year on auto insurance. If you have a speeding ticket on your record, check quotes from Geico and car owners. Service members and veterans should also obtain a quote from USAA.

Cheap car insurance in Utah for drivers who have been involved in an accident and injury

If you cause an accident and someone else is injured, you can expect a significant increase in your Utah auto insurance rates. But that doesn't mean you can't look for better prices. If you've caused an accident, get a quote from Geico and State Farm. Service members and veterans should also check the USAA.

Cheap car insurance in Utah for drivers with a DUI

A DUI conviction leads to an increase in car insurance. If you have a DUI on your record, try offers from Geico, Progressive Car Insurance, and State Farm. Service members and veterans should also obtain a quote from USAA.

Cheap car insurance in Utah for drivers with poor credit ratings

Bad credit can be a very costly problem for Utah drivers. We've seen an average increase of over $ 1,500 per year from bad credit alone. For this reason, it is important to compare the car insurance offers from several insurers. We found that Geico had the lowest rates in Utah among the companies we surveyed.

Cheap Utah auto insurance for drivers caught without insurance

If you're caught driving without car insurance, there's a good chance you'll pay more when you get your next policy. That's because many insurers view a relapse into auto insurance history as a higher risk. If you need to get auto insurance in Utah, Geico may be your best bet based on our analysis. Military personnel and veterans can find competitive pricing at USAA.

The cheapest vehicles for insurance in Utah

In Utah, the Jeep Wrangler JL Sport, Honda CR-V LX, and Ford Escape S are some of the cheapest insurance options based on average rates for 50 best-selling models of 2021. The 20 cheapest are below.

The most expensive insurance vehicles in Utah among the most popular cars are the Tesla Model S Performance ($ 3,331 per year) and the Lexus ES 300H ($ 2,024 per year).

Related: Insure the most and cheapest cars nationwide

Minimum Required Insurance for Utah Auto Insurance

Utah requires car owners to purchase liability insurance and personal injury coverage.

The liability insurance must have at least one coverage amount:

  • $ 25,000 for assaulting a person.
  • $ 65,000 for injuring multiple people in an accident.
  • $ 15,000 for property damage in an accident.

When you have savings and other assets that you need to protect in a lawsuit, you want more than the minimum coverage for Utah auto insurance. It is not enough if you are sued for a major accident and if your insurance expires you will be responsible for the rest.

Utah drivers must also have Personal Injury Protection (PIP) insurance. PIP pays a wide variety of bills regardless of who caused the accident. PIP is required as part of Utah's flawless insurance system, where you make most claims for damages through your own insurance company rather than sue someone else.

Drivers must have PIP insurance of at least $ 3,000 per person to cover these medical expenses:

  • Medical service
  • surgery
  • X-rays
  • Dentistry
  • Rehabilitation including prostheses
  • Ambulance, hospital and nursing service

In addition, Utah PIP insurance must cover:

  • $ 250 or 85% of your loss of earnings, whichever is lower (you can waive it if you or your spouse have no income)
  • Up to $ 20 per day for services you can no longer perform, such as: B. Transport or cleaning.
  • Up to $ 1,500 per person for funeral expenses
  • US $ 3,000 to heirs to an accident victim

If you have used all of your PIP benefits or have a “serious accident”, you can take out the other driver's liability insurance. That's why you need your own liability insurance even in a flawless insurance state like Utah.

Utah defines "serious injury" as death, dismemberment, permanent disability, permanent impairment, or permanent disfigurement. In that case, you can sue the other driver.

What else should i have?

Collision and fully comprehensive insurance: While liability and PIP insurance cover many problems, they do not cover damage to your own car. If someone else crashes into your vehicle, you can sue them or get collision insurance.

Collision insurance is also useful for your own breakdowns, such as reversing against a mast or hitting a guardrail.

There are many other types of auto damage that only collision and fully comprehensive insurance would cover: flood damage, hail, fire, falling objects, vandalism, and a collision with a deer or riot. The fully comprehensive insurance also covers car theft.

In the case of a car loan or leasing, fully comprehensive and fully comprehensive insurance are usually required.

Uninsured and underinsured motorist protection. The problem with uninsured drivers is that they can leave a trail of unpaid accident bills on their way. They don't have insurance to pay for the injury or damage they cause, forcing other drivers to get additional insurance. And this supplementary insurance is for uninsured and underinsured drivers (UM and UIM).

In Utah, insurance companies are required to offer you UM and UIM, but you can decline in writing. UM and UIM in Utah are covering your injuries.

A related coverage is the uninsured motorist property damage (UMPD). This pays your claims bills from an uninsured motorist, whether they drove into your car or property like a fence. If you don't have collision protection, you need to buy UMPD in Utah.

Summary: Required Auto Insurance in Utah

Can I show my insurance ID from my phone?

You can use your phone to show a car insurance ID in Utah. See if your car insurance has a mobile app that gives you easy access to an electronic ID card.

Allowable Factors in Utah Auto Insurance Rates

Auto insurance companies often use your driving report, previous claims, vehicle model, and more when setting a rate. In Utah, too, insurers can take advantage of these factors.

How many uninsured drivers are there in Utah?

About 7% of drivers in Utah don't have insurance, according to the Insurance Research Council.

Penalties for driving without car insurance

If you are caught driving in Utah without insurance, you can be fined at least $ 400 for a first offense.

When can a vehicle be totaled?

In Utah, an insurance company can decide whether to “totalize” a car after a severe damage. This is based on the repair costs compared to the vehicle value.

Solve insurance problems

The Utah Insurance Department oversees insurance companies in the state. If a problem remains unresolved, the department staff may be able to help or you may be able to file a complaint.

methodology

To find the cheapest auto insurance companies in Utah, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a clean record driver insuring a Toyota RAV4 with $ 100,000 personal injury liability insurance, $ 300,000 per accident, and $ 100,000 property damage insurance, uninsured motorist insurance, and any other coverage required by the state. The price also includes collision and fully comprehensive insurance with a deductible of 500 USD.

The companies rated for Utah were Allstate, American Family, Auto-Owners, Farm Bureau Mutual, Farmers, Geico, Progresive, State Farm, and USAA.

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