How Much is Auto Insurance for Drivers Under 21 in Utah?

When shopping for auto insurance for minors, one of the many factors that determine the amount you pay each year for auto insurance is your zip code in Utah. Regions with larger populations or more claims like West Valley City, Cottonwood Heights, and South Jordan tend to pay more, whereas less populated areas generally have lower rates.

The following table displays the most expensive areas in Utah for drivers under 21 to purchase a policy in.

Rates are comparative as the specific Utah residence address can raise or lower coverage rates greatly.

Establishing which companies quote the cheapest insurance rates for drivers under 21 may require a little more work than just comparing rates from one or two companies.

Every car insurance company uses a different method for determining rates, so let’s look at the rankings for the insurance companies with the overall cheapest rates in Utah.

Lowest Insurance Price Quotes for Minors

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Bear River quotes some of the lowest car insurance rates in Utah at around $566 each year. USAA, Auto-Owners, American Family, and Safeco would also make the list of some of the best Utah insurance companies.

In this example, if you are currently insured with American Family and switched to USAA, you could realize an annual premium reduction of roughly $204. Utah drivers with Safeco could save as much as $259 a year, and Farm Bureau Mutual customers might realize rate reductions of up to $277 a year.

Be aware that those prices are averaged across all drivers and vehicles and and are not figured with a rate increase for drivers under 21. So the insurer that fits your age and vehicle best may not even be shown in the above list. That helps illustrate why you need to compare prices as often as possible using your own driver data and vehicle information.

The model of vehicle you are insuring is probably the biggest factor that determines if you can find cheap auto insurance for drivers under 21 in Utah. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The lists below showcases car insurance rates for some of the most budget-friendly automobiles to buy insurance for.

Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in Utah location which can raise or lower rates greatly.

Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle garaging location which can decrease or increase coverage rates significantly.

Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific Utah garaging location which can increase or decrease coverage rates greatly.

Discounts on Utah auto insurance

Insurance providers that provide cheap auto insurance for drivers under 21 in Utah may additionally offer policy discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. A few popular companies and a summarized list of policyholder discounts are:

The example below shows the comparison of auto insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or driving citations, Utah state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with paid-in-full, good student, anti-theft, paperless filing, vehicle safety, and continuous coverage discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for drivers under 21 is 17% or $271.

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State Farm, Allstate, Geico, or Progressive: Who is best?

When researching auto insurance for minors in Utah, four companies you’ll want quotes from are State Farm, Allstate, Geico, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a distinct set of features and optional coverages that add value to each policy. The table below compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.

Find cheap auto insurance for drivers under 21 in Utah

Here are some of the better penny-pinching solutions that can help you find the cheapest auto insurance.

• Safer vehicles cost less to insure
• Do not get tickets
• Try to not file small claims
• Maintain a safe distance and avoid accidents
• Good credit scores may make rates cheaper
• Ensure you have the best deal by shopping around regularly

That final tip is extraordinarily critical, as was stressed in this write-up. Prices charged by auto insurers in Utah can be adjusted at any time, so don’t hesitate to switch carriers if a cheaper rate is available. Sticking with a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you a lot of money. It only takes a couple minutes to compare prices to find cheaper auto insurance for drivers under 21.

Who has the cheapest insurance quotes for minors?

Thanks to the internet, there are a lot of ways to find lower-cost insurance in Utah, but the most frequently used are from a non-exclusive or independent agent, an exclusive insurance agent like Auto-Owners or State Farm, or from a direct company like Progressive or Geico. Each way has the same basic process, but buyers need to know the differences in how they provide rate quotes.

Independent agencies have contracts with multiple insurance companies and can compare rates with all of them. They have the ability to quote rates with many companies, which can give you the best idea of how your rates compare. If you are not satisfied with one company, it’s easy for the agent to move the policy which prevents you from having to switch agents.

A captive or exclusive agent is only able to give prices for just one company such as State Farm and Allstate agents. They generally cannot provide multiple price quotes, so if finding the cheapest insurance is your goal, you will want to shop around.

Choosing to buy insurance direct means you do not use either of the other two types of agents and instead buy buying direct from a company like Geico or Esurance. Buying direct can be good for people who do not need complex risk management and know more than average about what specific coverages and deductibles they need.

Out of those three methods, which one works best to find cheap auto insurance for drivers under 21 in Utah? Our initial answer would be buying from a direct car insurance company results in the cheapest rates since that eliminates agent commissions, but unfortunately, that is not always true. An argument could also be made that buying from an independent agent guarantees the cheapest rates because they can shop around, but that assumption is not true either. In some circumstances, the exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Because of the variability of insurance rates, the best way to get rock-bottom rates is to obtain price quotes and compare them. Experts recommend getting rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. For a list of companies with online discounts, click here to view.