Cheapest Auto Insurance for Drivers with a DUI in Utah

It’s impossible to miss the ads from auto insurance companies like GEICO, The General, and Progressive that claim the cheapest rates. So drivers just need to pick the company with the cutest commercial, right?

It’s just not that simple, as there are a whole slew of unknowns like how experienced of a driver you are, whether or not your vehicle has good safety ratings, whether you are a man or a woman, and whether or not you are married. We will try to cover the best ways to avoid high prices and educate you enough to have a solid foundation to find cheaper car insurance in Utah.

For Utah drivers, one of the components that is used to help calculate the amount you pay for auto insurance is your address in Utah. Regions with more people or even just more weather-related claims like West Valley City, Murray, and South Jordan likely pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.

The illustration below illustrates the highest-priced places in Utah for drivers with a DUI to purchase a policy in.

Annual rates are approximated as zip code location can influence coverage prices substantially.

The vehicle that is being insured is probably the most important factor when shopping around for the best car insurance for drivers with a DUI. Vehicles with limited speed and performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than high performance models.

The data below features insurance premiums for a selection of the most affordable automobiles to insure.

Above prices assume married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in zip code location which can revise rates noticeably.

Table data represents married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Price estimates do not factor in vehicle garaging location which can revise coverage prices greatly.

Table data represents married male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can change price quotes considerably.

Auto insurance company ratings

Choosing the best car insurance company can be difficult considering how many companies provide coverage in Utah. The information below may help you select which auto insurers you want to consider purchasing a policy from. These rankings are only comprised of companies who write in the majority of U.S. states, so smaller regional companies are not factored into these rankings.

Top 10 Large Car Insurance Companies 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

Which auto insurance company is best?

When comparing rates for car insurance after getting a DUI in Utah, four companies to consider are State Farm, Progressive, Geico, and Allstate. They all have the same basic coverages, but each one has a distinct set of features and optional coverages that may affect your buying decision. The next table rates pricing and service ratings, plus some optional coverages shoppers can find with each company.

Cheapest insurance quotes after getting a DUI

You have a lot of ways to shop for and buy auto insurance in Utah, but the three most common ways are through an exclusive insurance agent like Allstate or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. All three ways are similar, but auto insurance shoppers should know the differences in how they function.

Independent insurance agents write business for many companies and can get policy pricing from every one. These types of agencies have the freedom to give you more rate choices, which can give you a better comparison. If they quote lower rates, they simply move your policy to a different company and the insured can keep the same agent.

An agent who is captive is limited to a single company like a State Farm or Liberty Mutual agent. These agents normally cannot compare rates from other companies, so it’s a good idea to get additional price quotes.

Buying direct means you skip an independent or exclusive agent and instead buy direct either online or via phone. Buying auto insurance direct is a good choice for drivers who have lower risk management needs and understand what specific coverages and deductibles they need.

So which of the methods works best to find the cheapest auto insurance for drivers with a DUI in Utah? One answer would be buying direct results in the cheapest rates since that eliminates agent commissions, but unfortunately, it’s not that simple. We could also say that an independent agency results in the cheapest rates due to more options, but again, that’s not a true statement. For the right applicant, the exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Because there are so many factors that make up auto insurance rates, the only real way to ensure you are not overpaying for auto insurance is to obtain price quotes and compare them. We highly recommend getting prices from all three in order to have enough rates to compare. To see some of the cheapest online companies available, click here to view.