How Much is Auto Insurance for 16 Year Olds in Utah?

You’ve seen the captivating commercials from auto insurance companies like Farmers, State Farm, and The General guaranteeing huge savings, so drivers should just select the one with the best jingle, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown factors such as if you want full coverage, the crime level of your neighborhood, and the number of years you have been driving, that all impact the cost of coverage. Car insurance is kind of a dry topic, but this article will explain these factors and others that can influence the price of auto insurance and will give you a good beginning to your search for cheaper coverage.

For new drivers, one of the more important things that is used by auto insurance companies to determine the price of your policy is where you call home. Regions with larger populations or more claims like Kearns, Taylorsville, and Millcreek will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower auto insurance rates.

The illustration below illustrates the more expensive cities in Utah for 16 year olds to buy an auto insurance policy in.

Rate quotes are approximated as specific Utah garaging address can impact coverage rates significantly.

Figuring out which companies quote the cheapest car insurance rates for 16 year olds involves a bit more work in order to find coverage that fits your buget. Each auto insurer uses different criteria for determining rates in each state, so let’s examine the car insurance companies with the overall best prices in Utah.

Best Car Insurance Prices for Teens

Compare Rates Now

Bear River quotes some of the best car insurance rates in Utah at around $584 per year. USAA, Auto-Owners, American Family, and Safeco would also make the list of some of the more affordable Utah auto insurance companies.

As illustrated above, if you are a policyholder with USAA and switched to Bear River, you could realize yearly savings of about $176. Policyholders with Auto-Owners might save as much as $310 a year, and American Family policyholders might lower prices by up to $400 a year.

If you want to find out if you’re overpaying, click here to get a free quote or click through to the companies below.

Understand that those policy rates are averaged across all drivers and vehicles in Utah and and are not figured with a price surcharge for 16 year olds. So the auto insurance company that has the lowest price for you may not even be in the chart above. That point stresses why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The car, truck, or SUV on the policy is one of the biggest factors when consumers are trying to find cheap insurance for 16 year olds in Utah. Vehicles with higher performance, poor safety features, or a history of substantial liability claims will cost substantially more to insure than more modest models.

The table below features insurance rates for some of the most budget-friendly vehicles to insure.

Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in zip code location which can raise or lower premiums noticeably.

Looking at the numbers, you can see that models like the Honda CR-V, Volkswagen Jetta, Honda Accord, and Ford Escape are some of the cheapest vehicles to insure for new drivers. Rates will be more costly just because there is more exposure for 16 year olds, but in general those particular models will probably have the cheapest auto insurance rates that you are likely to find.

Driving violations and accidents

The common sense way to earn cheap insurance for 16 year olds in Utah is to drive safe and not get tickets or have accidents. The diagram below highlights how traffic violations and fender-benders raise annual premium costs for different age groups. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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’, 3237,3853,4475],[‘Age 30’, 1667,2281,2903],[‘Age 40’, 1651,2265,2887],[‘Age 50’, 1503,2117,2741],[‘Age 60’, 1459,2069,2693],[‘Age 70’, 1781,2397,3021]]);var options = {title: ‘Effect of Citations and Accidents on Utah Auto Insurance Rates’,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 in the chart shows the average cost of a car insurance policy in Utah per year with no violations or accidents is $1,883. Receive two speeding tickets and the average cost rises to $2,497, an increase of $614 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of car insurance for 16 year olds jumps again to an average of $3,120. That’s an increase of $1,237, or $103 per month, just for not being more responsible behind the wheel!

Geico, State Farm, Allstate, and Progressive: Who is cheapest?

When comparing rates for auto insurance for new drivers, the four most popular companies are Geico, State Farm, Allstate, and Progressive. They all offer your standard coverages, but each one has slightly different coverages and options that you can choose from. The data below ranks price and claims rank as well as some different options offered by each company.

How to find cheap insurance for 16 year olds in Utah

Below you’ll find some of the recommended money-saving ideas that can help Utah drivers get lower-cost car insurance.

• Remain accident-free and save
• Don’t waste money on full coverage for older vehicles
• Lower rates by purchasing a safer vehicle
• Try to not file small claims
• Be a safe driver
• Buying home and auto insurance together can earn discounts
• Compare rates regularly to ensure the best deal

The last item on the list is remarkably crucial, as we hit on in this piece. Prices charged by companies adjust frequently, so don’t be afraid to change to a new company if a better rate can be found.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that loyalty results in overpaying a small fortune year after year. Take a couple minutes and compare rates and find cheaper auto insurance for 16 year olds.