Who Has Cheap Car Insurance Quotes for High Risk Drivers in Utah?

This would be a real easy article to write if we could tell you the one auto insurance company that has the cheapest rate quotes in Utah. That is not the case, however, as there are a whole bunch of unknowns such as your annual mileage driven, if you are a man or woman, your financial responsibility, and your prior traffic citations. The content below will cover the best ways to maintain low rates and will hopefully give you a good start to your coverage search.

Finding dependable, low-cost car insurance is not always easy, and determining which companies have the most affordable insurance rates for high risk drivers involves a little more work. Premiums will probably be quite a bit pricier than the average price in Utah because of the posibility of more claims that goes along with offering coverage for high risk drivers, but economical coverage should be obtainable with some perseverence. Every insurance company has a proprietary method to determine rates, so let’s take a look at the most affordable insurance companies in Utah.

Find the Cheapest Car Insurance for Risky Drivers

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Bear River generally has some of the best car insurance rates in Utah at around $572 annually. USAA, Auto-Owners, American Family, and Safeco also qualify as some of the cheaper Utah car insurance companies.

In the rate table above, if you currently have coverage with Auto-Owners and switched to Bear River, you might realize a yearly price reduction of upwards of $295. Drivers with American Family could save as much as $392 a year, and Safeco policyholders might reduce prices by as much as $447 a year.

Remember that these rates are averages across all insureds and vehicles and are not factoring in a rate surcharge for high risk drivers. So the car insurance company that fits you best may not even be in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own individual information.

The type of vehicle that is being insured is probably the most important factor when shopping for cheap car insurance for high risk drivers in Utah. Vehicles with high performance, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than safer models. The table below ranks auto insurance premiums for a handful of the most budget-friendly vehicles to buy insurance for.

Data variables include single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in vehicle location which can revise price quotes considerably.

Based upon the rates shown, cars like the Ford Escape, Hyundai Elantra, and Toyota Prius will be the cheaper vehicles to insure for high risk drivers. Car insurance rates will trend higher just because there is more claim risk for high risk drivers, but overall those particular models will have the best rates that you’ll find.

One of the many components that help determine rate quotes is your address in Utah. Areas with more people or higher crime rates like West Valley City, Taylorsville, and West Jordan will most likely have higher rates, whereas areas with less congestion generally pay less for auto insurance.

The illustration below ranks the higher priced cities in Utah for high risk drivers to purchase auto insurance in.

Prices are estimated as specific Utah zip code can impact coverage rates substantially.

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

When comparing car insurance for high risk drivers in Utah, four companies to consider are Progressive, Allstate, State Farm, and Geico. All four can cover your vehicle for liability and physical damage, but each one has unique options and discounts that you can choose from. The next table points out ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.