Who Has the Cheapest Auto Insurance Quotes for Drivers with Accidents in Utah?

Who Has the Cheapest Auto Insurance Quotes for Drivers with Accidents in Utah?

Ideally, we could tell you the one car insurance company that has the cheapest coverage in Utah. It’s not quite that easy, unfortunately, as there are a whole bunch of unknowns such as whether you are married, the level of liability coverage you want, and if your driving record is clean, that help determine the price you have to pay. We will attempt to cover the best ways to avoid paying too much and hopefully give you enough understanding to have a good start to your coverage search.

Finding out which company has the cheapest car insurance rates for drivers with accidents involves a bit more effort than just comparing a company or two. Each company has a unique approach to determine premium rates, so let’s rank the most competitive car insurance companies in Utah.

It’s a good idea to be aware that Utah car insurance rates are impacted by many factors that can increase the price of your policy. Simply having a birthday, buying higher coverage limits, or getting a ticket for running a stop sign can produce rate changes that may make certain companies more affordable than the competition.

Cheap Insurance Rates for Accident Prone Drivers

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Rankings for the cheapest Utah auto insurance companies
Rank Company Cost Per Year
1 Bear River $584
2 USAA $767
3 Auto-Owners $867
4 American Family $993
5 Allied $1,008
6 Farm Bureau Mutual $1,037
7 Safeco $1,061
8 GEICO $1,065
9 Progressive $1,085
10 Nationwide $1,155
11 Unigard $1,311
12 California Casualty $1,316
13 Farmers $1,393
14 State Farm $1,403
15 Travelers $1,519
16 Allstate $1,580
17 MetLife $1,749
18 Liberty Mutual $1,840
19 Encompass $1,916
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Bear River quotes some of the most affordable car insurance rates in Utah at around $584 each year. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the more affordable Utah insurance companies.

As the rates illustrate above, if you currently have a policy with Allied and switched to USAA, you might see a yearly savings of in the neighborhood of $241. Customers with Farm Bureau Mutual could save as much as $270 a year, and Safeco customers might cut rates by $294 a year.

If you want to see how much you could save, click here or click through to the companies below.

It’s important to note that these policy prices are averaged for all drivers and vehicles in Utah and are not factoring in a rate increase for drivers with accidents. So the car insurance company that can offer you the best rate may not even be included in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

When shopping for the cheapest car insurance for drivers with at-fault accidents, one of the many components used to calculate the amount you pay for auto insurance is where you choose to live in Utah. More populated areas like West Valley City, Murray, and Kearns tend to have higher rates, whereas more rural areas tend to receive cheaper rates.

The following table sorts the most expensive cities in Utah for drivers with accidents to purchase a policy in.

How much does car insurance cost in Utah?
Rank City Annual Rate
1 West Valley City $1,239
2 Taylorsville $1,224
3 Murray $1,218
4 West Jordan $1,205
5 Kearns $1,200
6 Cottonwood Heights $1,179
7 Millcreek $1,179
8 Salt Lake City $1,168
9 Spanish Fork $1,166
10 South Jordan $1,162
11 Sandy $1,156
12 Riverton $1,153
13 Draper $1,150
14 Lehi $1,147
15 Roy $1,132
16 Orem $1,131
17 Pleasant Grove $1,131
18 Provo $1,128
19 Ogden $1,103
20 Clearfield $1,091
21 Tooele $1,090
22 Bountiful $1,077
23 Logan $1,065
24 Layton $1,054
25 Saint George $996
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Price information shown is comparative as zip code location can alter price quotes noticeably.

Full coverage rates vs. liability-only

Finding the cheapest car insurance for drivers with accidents in Utah is the goal of the majority of people, and an effective way to reduce the cost of insurance is to buy liability only. The diagram below compares car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Utah. The premiums are based on no claims or violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

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On average, physical damage coverage costs an additional $2,060 per year more than just buying liability insurance. That is a significant amount which raises the question when is it safe to stop buying full coverage. There is no definitive rule that is best for determining when to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s book value is $12,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $11,000 after paying your deductible. If premium cost is more than $1,100 a year for full coverage, then it may be the right time to buy liability only.

The chart below demonstrates how deductibles can increase or decrease premium costs when trying to find cheap insurance for drivers with accidents. The premiums assume a single male driver, full physical damage coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2945,2665,2363,2075],[‘Age 30’, 1521,1391,1239,1095],[‘Age 40’, 1515,1377,1221,1071],[‘Age 50’, 1373,1251,1111,977],[‘Age 60’, 1329,1209,1075,949],[‘Age 70’, 1599,1463,1313,1171]]);var options = {title: ‘Deductibles and Insurance Prices in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower their policy premium by $262 a year by switching from a $100 deductible to a $500 deductible, or save $396 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave up to $870 or more by selecting a higher deductible.

When increasing deductibles, it is a good idea to have enough funds in savings to offset the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find cheaper insurance for drivers with accidents

It is possible to find better rates, and here are a few money-saving suggestions that can help drivers find more affordable coverage.

  • Avoid price increases by not filing claims
  • Buy vehicles with five-star safety ratings
  • Do not get tickets
  • Prevent rate increases by staying accident-free
  • Bundle car and home insurance and save money
  • Shop your coverage around for the best deal

The last tip is especially valuable, as we pointed out in this write-up. Insurance prices can change considerably in a year, so don’t hesitate to buy from a new company if a more affordable rate is found. Having a favorite company is fine, but we do not recommend it if that devotedness results in you overpaying a lot of money. In just a few minutes you could shop around to find cheaper auto insurance for drivers with accidents.