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Scroll down for a brief but useful summary pertaining to car insurance in the state of Utah. Reading this will help you score the best deals on Utah auto insurance.
The average annual premium for auto insurance in the state of Utah was $1,061 last year, a cozy margin below the national average of $1,347.
Many factors affect premiums on auto insurance.
The state of Utah has a median age of 28, the youngest median age of any state in the nation. Also, Utah is a “No-Fault” state. So car insurance carriers in Utah will pay benefits regardless of who (if anyone) caused the accident. No-fault laws are often accompanied by higher annual premiums.
So why are Utah's car insurance premiums so low?
Counterbalancing factors affecting Utah auto insurance premiums may include Utah's relatively low rate of uninsured vehicles (only about eight percent), as well as a low population density, low neighborhood crime rates, and a low percentage of DUI traffic fatalities.
Minimum Liability Coverage in Utah
The minimum required coverage on auto insurance in the state of Utah is $25,000 of coverage against injury to the driver, $65,000 to insure others who are killed or injured, and $15,000 to cover property damage.
So, if you purchase the minimum car insurance in the state of Utah, the insurance company will pay out a maximum of $105,000 per accident on your "25/65/15" policy.
Penalties for Uninsured Drivers in Utah
A conviction for driving an uninsured car in Utah results in a fine of $400 for a first offense.
Repeat offenses within a three year period result in a fine of $1,000 and a suspended driver's license.
Drivers convicted of operating uninsured vehicles also suffer raised premiums and costly reinstatement fees.
Discounts on Utah Car Insurance
Utah drivers can cut car insurance costs in any of many different ways. Popular options include:
Paying annual premiums all at once (rather than month by month)
Increasing one's deductible
Improving one's credit score
Driving the types of cars that are relatively inexpensive to insure.
Qualifying for every possible discount.
Among the many available Utah car insurance discounts are Good Driver discounts, Good Student discounts, Vehicle Safety discounts, Defensive Driving Course discounts, and Multiple Policy discounts, among others.
Whether searching online or speaking with an agent by phone, remember to ask about the discounts.
Auto Insurance Quotes in Utah
Based on recent reports, Utah's favorite auto insurance carriers are Farmers Insurance, Farm Bureau and American Family Insurance.
Still, some locals prefer locally owned carriers like Western National.
Whatever is your preference, all you need to do is call around and compare quotes. Ask about the discounts. Add them up, and take the lowest offer.
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