Who Has Cheap Car Insurance Quotes for State Employees in Utah?

For state workers, one of the more important components that control the amount you pay for auto insurance is where your home is located in Utah. Areas with more people like Kearns, Millcreek, and West Valley City will most likely have higher rates, whereas areas that tend to be more rural generally have lower rates.

The illustration below ranks the priciest cities in Utah for state employees to buy an auto insurance policy in.

Rate quotes are approximated as the specific garaging location can affect insurance rates significantly.

Deciphering which companies have the most affordable car insurance rates for state employees will involve a little more sweat in order to find the lowest price. Each company has a unique approach to establish rates, so we’ll go over the lowest cost car insurance companies in Utah.

We do need to point out that Utah car insurance rates are impacted by many things that will increase or decrease the policy price. Improving your credit rating, buying another vehicle, or getting a DUI can trigger price changes that can now make some companies cheaper than before.

Best Auto Insurance Prices in Utah

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google.charts.setOnLoadCallback(drawUTT5qcibChart);function drawUTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Bear River’, 590, ‘#33CF8F’], [‘USAA’, 760, ‘#2AAC77’], [‘Auto-Owners’, 894, ‘#238F63’], [‘American Family’, 964, ‘#1D7752’], [‘GEICO’, 1023, ‘#186344’]]);var options = {title: ‘Top Five Most Affordable Car Insurance Companies in Utah’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1123,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Bear River quotes some of the most affordable car insurance rates in Utah at around $590 annually. USAA, Auto-Owners, American Family, and GEICO also are some of the most economical Utah auto insurance companies.

As shown above, if you currently have coverage with American Family and switched to USAA, you might see annual savings of upwards of $204. Utah drivers with GEICO could save as much as $263 a year, and Farm Bureau Mutual policyholders might realize rate reductions of up to $266 a year.

Remember that these prices are averages across all ages of drivers and types of vehicles and are not factoring in a rate discount for state employees. So the auto insurance company that can offer you the lowest price may not even be in the chart above. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The model of vehicle driven is one of the largest considerations that determines the availablility of cheap auto insurance for state employees in Utah. Vehicles with more horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models. The information below shows insurance rates for the cheapest vehicles to insure.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease auto insurance rates noticeably.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific location which can affect coverage prices greatly.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific location which can modify premium rates significantly.

Rate increases following a ticket or accident

The common sense way to maintain the best car insurance premiums for state workers is to be a cautious driver and avoid accidents and violations. The information below highlights how traffic violations and accident claims can drive up car insurance costs for different insured age categories. The information is based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2887,3561,4253],[‘Age 30’, 1987,2659,3353],[‘Age 40’, 1843,2515,3211],[‘Age 50’, 1611,2287,2979],[‘Age 60’, 1561,2235,2927],[‘Age 70’, 1823,2499,3189]]);var options = {title: ‘Impact of Tickets and Claims on Utah Insurance Premiums’,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 charted above shows the average cost of a car insurance policy in Utah per year with a clean driving record and no accidents is $1,952. Add in two speeding tickets and the average cost jumps to $2,626, an increase of $674 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for state employees increases to an average of $3,319. That’s an increase of $1,367, or $114 per month, just for not driving attentively!

Does Geico, State Farm, Progressive, or Allstate have the cheapest car insurance?

When it comes to auto insurance for state workers, four companies to consider are Geico, State Farm, Progressive, and Allstate. The table below breaks down some of the different features that you can purchase from each one.