Cheapest Auto Insurance for Drivers Requiring a SR22 in Utah

This would be a really short article if we could tell you the company that has the cheapest policy rates in Utah. Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects such as what deductibles to use for physical damage coverage, if you have any driving citations, and if you are currently insured, that all have an effect on the price of a policy. The information below will cover the best ways to pay less and will hopefully give you a jump start in finding the best auto insurance.

The vehicle model you are buying coverage for is probably the largest consideration when comparing the cheapest car insurance for drivers requiring a SR22 in Utah. Vehicles with higher performance, poor safety ratings, or high incidents of liability claims will cost much more to insure than more economical and safe models. The data below features car insurance costs for a handful of the most economical automobiles to insure in Utah.

Price data assumes married male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific garaging location which can impact coverage rates greatly.

Based upon the table data, you can infer that vehicles like the Honda CR-V, Ford Escape, Honda Accord, and Chevrolet Traverse are some of the cheaper vehicles to insure for high risk drivers. The cost of a car insurance policy will be more costly just because there is more claim risk for drivers requiring a SR22, but overall those makes and models will tend to have the best insurance prices available.

Deciphering which companies offer the cheapest car insurance rates for drivers requiring a SR22 will take a little more work than just comparing rates from one or two companies.

Each auto insurance company has a proprietary method for establishing rates, so let’s take a look at the most budget-friendly car insurance companies in Utah. It’s important to understand that Utah car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. Turning one year older, increasing liability limits, or getting caught speeding may cause policy rate changes that can cause some rates to be cheaper in comparison to the competition.

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google.charts.setOnLoadCallback(drawUTT5qcibChart);function drawUTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Bear River’, 590, ‘#33CFCA’], [‘USAA’, 760, ‘#2AACA8’], [‘Auto-Owners’, 867, ‘#238F8C’], [‘American Family’, 993, ‘#1D7774’], [‘Allied’, 998, ‘#186360’]]);var options = {title: ‘Top Five Cheapest Auto Insurance Companies in Utah’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1098,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Bear River generally has some of the most affordable car insurance rates in Utah at around $590 per year. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the best Utah auto insurance companies.

As depicted above, if you currently have coverage with USAA and switched to Bear River, you could realize a yearly savings of in the neighborhood of $170. Drivers with Auto-Owners could save as much as $277 a year, and American Family customers might reduce prices by as much as $403 a year.

Remember that these estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a rate increase for drivers requiring a SR22. So the insurer that has the lowest price for you may not even be included in the list above. That’s why you need to compare rates from multiple companies using your own individual information.

Discount Utah insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-drivers-sr22-ut.jpg" alt="Cheaper Utah car insurance for high risk drivers”/>Auto insurance companies that sell the cheapest car insurance for drivers requiring a SR22 in Utah may also provide price discounts that may potentially lower prices by as much as 30% if you meet specific criteria. A list of companies and their offered discounts are shown below.

The example below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, two citations and one at-fault accident, Utah state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, marriage, continuous coverage, paperless filing, paid-in-full, and vehicle safety discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for drivers requiring a SR22 is 15% or $236.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3639,2617],[‘Age 30’, 2375,1721],[‘Age 40’, 2363,1709],[‘Age 50’, 2239,1621],[‘Age 60’, 2197,1589],[‘Age 70’, 2451,1765]]);var options = {title: ‘Effect of Discounts on Insurance Price for Drivers Requiring a SR22’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Tickets and at-fault accidents raise rates

A great way to earn the most affordable car insurance rates in Utah for high risk drivers is to be an attentive driver and avoid getting tickets or having accidents. The illustration below demonstrates how citations and at-fault accidents can increase insurance prices for different age groups. The costs are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

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’, 1607,1961,2325],[‘Age 30’, 1085,1439,1801],[‘Age 40’, 1017,1371,1733],[‘Age 50’, 891,1245,1603],[‘Age 60’, 863,1219,1577],[‘Age 70’, 1017,1371,1733]]);var options = {title: ‘Violations, Accidents, and Utah Auto Insurance Cost’,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);}

In the prior example, the average cost of a car insurance policy in Utah per year with a clean driving record and no accidents is $1,080. Get written up for two speeding tickets and the average cost surges to $1,434, an increase of $354 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for drivers requiring a SR22 goes up to an average of $1,795. That’s an increase of $715, or $60 per month, just for being a less-than-perfect driver!

Which car insurance company is best?

If you’re looking for the best auto insurance for high risk drivers in Utah, four of the best places to start are State Farm, Geico, Allstate, and Progressive. The following table compares and contrasts some of the different features shoppers can expect to find with each one.