If you’re shopping around for cheap auto insurance in Utah, you’ve probably discovered that there’s no shortage of companies vying for your business. To help you narrow down the options, we conducted a study that compared low cost auto insurance quotes from nine leading carriers to identify the most affordable policies for these four driver categories:
Best Rates For Drivers With No Recent Accidents
Insurance companies reward safe behavior and a clean driving record with lower monthly premiums. You might qualify for a safe driver discount if you’ve gone multiple years without a collision.
Our Geeks determined that Allstate has the best insurance quotes for accident-free drivers in Utah. State Farm wasn’t far behind with an estimated monthly rate of $158.
Best Rates For Teen Drivers
Distracted driving, inexperience, peer pressure—these are just a few reasons why teenagers have the highest accident rate among all age groups. But some insurance companies offer low rates to new drivers in the hope that they’ll become long-term policyholders.
In this segment, we looked at auto insurance rates for male and female 18 year olds who wanted to purchase the minimum required coverage in Utah. Our test found that Allstate has very affordable premiums for young drivers.
Best Rates For Drivers With A DUI
Being convicted of a DUI is an expensive ordeal, and unfortunately, the financial repercussions might not fade until several years after your arrest. Beyond the attorney fees and fine, you can also expect to pay extra for auto insurance.
If you’re sick of struggling to pay your premiums, don’t take the risk of driving without coverage. Rather, try getting quotes from Progressive or Allstate to find out if you could be paying less.
Best Rates For Senior Drivers
Older adults tend to spend less time on the road than their younger counterparts, and they also have more experience behind the wheel. In this part of our research, we looked at auto insurance rates for a 65-year-old motorist who drove 4,000 miles annually.
Most segments of our analysis involved a 29-year-old motorist who commuted 12,000 annual miles. The vehicle we used for all segments was a 2014 Toyota Corolla. Our estimated premiums are based on averages from female and male drivers in five Utah zip codes. The liability limits for all drivers except in the “teen driver” category were 50/100/25, and we added uninsured motorist coverage of the same limits.
How Much Auto Insurance Are Drivers Required To Carry In Utah?
In Utah, all motorists are legally required to have auto insurance coverage that meets the following minimum limits:
- $25,000 In Liability Coverage For Bodily Injury To One Person
- $65,000 In Liability Coverage For Bodily Injury In One Collision
- $25,000 In Liability Coverage For Damage To Property
- $3,000 in Personal Injury Protection (PIP)