Best Cheap Auto Insurance Quotes for Low Mileage Drivers in Utah

Our content editors always give us grief that when writing about auto insurance, the word cheap really should not be used anywhere in the article. Regardless, cheap auto insurance for low mileage drivers can be difficult to find. Don’t let that ruin your day, because we are going to show you some ways you can quote and buy coverage that is cheaper than your current policy.

The car, truck, or SUV needing coverage is probably the most important factor when shopping around for affordable coverage for low mileage drivers. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost less to insure than higher performance models. The next list illustrates auto insurance rates for a handful of the cheaper automobiles to insure in Utah.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in zip code location which can lower or raise rates noticeably.

Based on these rates, cars like the Honda Accord, Ford Escape, Toyota Prius, and Honda CR-V are likely to be a few of the most budget-friendly vehicles to insure for infrequent drivers.

Deciding which companies offer the best insurance rates for low mileage drivers calls for a bit more effort than just getting one or two price quotes. Each company uses their own method to determine premium rates, so we’ll take a look at the lowest cost insurance companies in Utah.

Find the Best Cheap Insurance in Utah

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Bear River has some of the best car insurance rates in Utah at around $566 each year. USAA, Auto-Owners, American Family, and Allied would also be considered some of the cheaper Utah car insurance companies.

As shown in the rates above, if you have coverage with Allied and switched to USAA, you could see savings of approxmiately $225. Insureds with Farm Bureau Mutual could save as much as $254 a year, and Safeco customers might lower prices by up to $267 a year.

These policy rates are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate decrease for low mileage drivers. So the company that is best for you may not even be shown in the chart above. That point stresses why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

For Utah drivers, one of the criteria that impact the policy price is your address in Utah. Areas with high crime rates or more dense population like Murray, Salt Lake City, and Kearns tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The following table rates the most expensive areas in Utah for low mileage drivers to purchase auto insurance in.

Rates are approximated as specific location information can impact coverage rates significantly.

Selecting the top company is hard considering how many choices drivers have in Utah. The company information shown next could help you select which auto insurers to look at when trying to find the cheapest insurance for low mileage drivers. These rankings include major nationwide insurance companies, so companies that only write business in Utah or surrounding areas are not included in this list.

Top 10 Large Auto Insurance Providers Overall in Utah

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Large Auto Insurance Providers in Utah Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Liberty Mutual

Insurance rate increases from tickets or accidents

One of the best ways to obtain the best cheap car insurance for low mileage drivers in Utah is to be a safe driver and maintain a clean driving record. The illustration below shows how speeding tickets and accidents drive up premium costs for each different age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

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In the example above, the average cost of auto insurance in Utah per year with a clean driving record and no accidents is $978. Get one speeding ticket and the average cost hikes up to $1,139, an increase of $161 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for low mileage drivers increases to an average of $2,582. That’s an increase of $1,604, or $134 per month, just for being a less-than-perfect driver!

Which auto insurance company is best?

When shopping for auto insurance, four of the larger companies to compare rates for are Progressive, State Farm, Allstate, and Geico. Combined they insure nearly half of the car insurance market in the United States. The next table points out some of the different options that policyholders can buy.