Who Has Cheap Car Insurance for Good Drivers in Utah?

For safe drivers, one of the more important factors that insurance companies use to determine rate quotes is where you choose to live in Utah. Cities that have higher claim levels or more people like West Valley City, West Jordan, and Millcreek tend to pay slightly more, whereas areas with less traffic congestion and claims generally pay lower insurance rates.

The table below rates the most expensive cities in Utah for good drivers to purchase car insurance in.

Premium costs are comparative as the garaging address in Utah can raise or lower rates substantially.

Deciding which companies quote the best insurance rates for good drivers will take a bit more effort than just getting one or two price quotes. Each auto insurance company has a different formula for filing rates in each state, so we’ll go over the most competitive insurance companies in Utah.

Lowest Insurance Price Quotes for Good Drivers

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Bear River quotes some of the most affordable car insurance rates in Utah at around $572 annually. USAA, Auto-Owners, American Family, and Allied would also make the list of some of the cheaper Utah insurance companies.

In the above rates, if you are a customer of American Family and switched to USAA, you may realize an annual premium reduction of approxmiately $201. Drivers with Allied could save as much as $225 a year, and Safeco insureds might reduce prices by as much as $236 a year.

These policy rates are averages for all drivers and vehicles in Utah and are not factoring in a rate discount for good drivers. So the company that has the cheapest price for you may not even be shown in the list of companies shown earlier. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

Full coverage rates vs. liability-only in Utah

Finding cheap auto insurance for good drivers in Utah is important to the majority of drivers, and one good way to pay lower rates for insurance is to only buy liability coverage. The diagram below shows the difference between auto insurance rates when comparing full coverage to liability only. The data assumes no accidents, no driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

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If averaged out across all ages, full coverage costs $1,883 per year over having just liability coverage. At some point, every insured wonders if paying for full coverage is a waste of money. There is no specific rule of when to eliminate physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

Responsible drivers pay cheaper insurance rates

The easiest way to receive affordable insurance premiums for safe drivers is to be a careful driver and avoid accidents and violations. The information below illustrates how violations and accident claims can affect annual premium costs for different age groups. Data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2149,2309,2755],[‘Age 30’, 1137,1297,1743],[‘Age 40’, 1111,1273,1719],[‘Age 50’, 1015,1179,1623],[‘Age 60’, 983,1143,1591],[‘Age 70’, 1209,1367,1815]]);var options = {title: ‘Impact of Violations and Accidents on Utah Car Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Utah’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of a car insurance policy in Utah per year with no accidents or violations is $1,267. Factor in one speeding ticket and the average cost swells to $1,428, an increase of $161 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for good drivers goes up to an average of $1,874. That’s an increase of $607, or $51 per month, just for being a little careless behind the wheel!

Which major car insurance company is best?

When comparing rates for car insurance for safe drivers, four of the best places to start are Progressive, Geico, Allstate, and State Farm. The following table breaks down some of the ratings and options offered by each company.