Who Has Cheap Auto Insurance Quotes for Infrequent Drivers in Utah?

Determining which company offers the most affordable auto insurance rates for infrequent drivers requires more work in order to find a policy that fits your budget. Each auto insurer uses a little different formula for determining rates in each state, so we’ll take a look at the most competitive auto insurance companies in Utah.

It’s important to know that Utah auto insurance rates are determined by lots of factors that control the price of coverage. Improving your credit rating, buying higher coverage limits, or having an accident can cause premium changes that can cause some rates to be cheaper than competitors.

Best Auto Insurance Prices in Utah

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Bear River may have some of the best car insurance rates in Utah at around $566 annually. USAA, Auto-Owners, American Family, and Allied are also some of the more affordable Utah auto insurance companies.

As depicted above, if you buy coverage from Allied and switched to USAA, you could earn annual savings of in the neighborhood of $225. Policyholders with Safeco might save as much as $267 a year, and GEICO insureds might lower prices by $282 a year.

To find cheap car insurance for infrequent drivers in Utah for your vehicle, click here to start your custom quote or visit several of the following companies.

Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a price decrease for infrequent drivers. So the auto insurance company that can offer you the best price may not even be included in the list of companies above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV you are insuring is one of the largest considerations in finding the most economical coverage for infrequent drivers. Vehicles with lower performance, good safety features, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.

The information below estimates insurance prices for a selection of the most economical vehicles to insure in Utah.

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can raise or lower premiums noticeably.

Looking at the numbers, models like the Chevrolet Traverse, Honda CR-V, Ford Escape, and Ford Focus should be the most economical vehicles to insure for low mileage drivers.

Get discount Utah insurance rates

Car insurance companies that sell cheap car insurance for infrequent drivers in Utah may have rate discounts that can lower rates by as much as 40% or more if you are eligible. A list of companies and the discounts they provide include:

The chart below shows the difference between yearly insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims, a clean driving record, Utah state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, vehicle safety, accident-free, homeowner, defensive driving course, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for infrequent drivers is % or $.

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The information below illustrates how your deductible choice can impact yearly insurance costs when quoting cheap insurance for infrequent drivers. The data assumes a single male driver, full coverage, and no discounts are factored in.

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As shown above, a 30-year-old driver could lower their car insurance rates by $344 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $520 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could save as much as $1,016 annually by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it will be important to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Allstate vs Geico vs State Farm vs Progressive

When comparing car insurance for low mileage drivers, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. All of them offer liability and physical damage protection, but each on has different options that may affect your buying decision. The next table illustrates some of the different options that policyholders can buy.