Who Has Cheap Car Insurance Quotes for Drivers Over Age 50 in Utah?

Our editors keep telling us that when writing about car insurance, the word “cheap” should not be used anywhere to describe car insurance prices. Please forgive the oxymoron, but cheap auto insurance for drivers over age 50 can be hard, if not impossible, to find. Don’t let that discourage you, because we are going to tell you how you can find car insurance that doesn’t break your budget.

The type of vehicle requiring insurance is probably the most important factor when looking for cheap auto insurance for drivers over age 50 in Utah. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models. The data below features auto insurance costs for a selection of the more afforable vehicles to buy coverage for.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates significantly.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Information does not factor in zip code location which can impact price quotes substantially.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in zip code location which can impact insurance rates greatly.

Finding good, affordable auto insurance is easier said than done, and figuring out which company has the cheapest insurance rates for drivers over age 50 takes a bit more work. Coverage rates will more than likely be moderately lower than the average price in Utah, with the decrease attributed to the reduced risk associated with selling coverage for older drivers. Reasonable coverage should be obtainable from many providers.

Each insurer has their own guidelines for setting prices, so we’ll go over the most budget-friendly insurance companies in Utah. It’s important to understand that Utah insurance rates are determined by lots of factors which can significantly increase or decrease the cost of coverage. Things like getting older, buying a higher-value vehicle, or getting a ticket for careless driving may prompt premium changes that can now make some companies more expensive than others.

Best Car Insurance Prices for Age 50+

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Bear River normally has some of the lowest car insurance rates in Utah at around $584 per year. USAA, Auto-Owners, American Family, and Allied also rank well as some of the more affordable Utah auto insurance companies.

As the example above demonstrates, if you buy coverage from American Family and switched to Bear River, you could realize an annual savings of upwards of $400. Utah drivers with Allied could save as much as $414 a year, and Farm Bureau Mutual policyholders might reduce rates by $453 a year.

To see how much you can save, click here to get quotes or visit several of the following companies.

It’s important to note that these policy prices are averages for all insureds and vehicles and do not factor in a rate discount for drivers over age 50. So the insurer that can offer you the lowest price may not even be featured in the above rate chart. That illustrates why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Buying coverage from the highest-rated auto insurance provider can be challenging considering how many companies there are in Utah. The company ratings shown next may help you analyze which coverage providers you want to consider when insurance shopping for drivers over age 50.

The rankings below include large nationwide companies, so companies that have a smaller presence will not be included in this list. If you wish to compare prices from the insurers below and more, just click here.

Drive responsibly or pay higher rates

The easiest way to earn affordable insurance prices for older drivers is to be a careful driver and maintain a clean driving record. The example below demonstrates how traffic citations and accidents can impact car insurance costs for different insured age categories. The price estimates are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.

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In the previous chart, the average cost of a car insurance policy per year with no violations or accidents is $1,317. Get written up for two speeding tickets and the average cost swells to $1,818, an increase of $501 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for drivers over age 50 jumps again to an average of $2,322. That’s an increase of $1,005, or $84 per month, just for not driving responsibly!