How Much is Car Insurance for Teachers in Utah?

How Much is Car Insurance for Teachers in Utah?

Deciding which company offers the lowest-priced insurance rates for teachers calls for more time in order to find the best price. Every car insurance company has a unique approach to determine premium rates, so let’s rank the insurance companies with the overall best prices in Utah.

We do need to point out that Utah insurance rates are impacted by many factors that control the cost of a policy. Simply improving your credit, becoming a homeowner, or having an accident can trigger changes in premium that can make some companies more affordable than competitors.

Best Cheap Insurance Rates for Educators

Compare Rates Now

Cheapest Utah car insurance ranked by price
Rank Company Cost Per Year
1 Bear River $590
2 USAA $767
3 Auto-Owners $885
4 American Family $993
5 Farm Bureau Mutual $1,026
6 Allied $1,028
7 Safeco $1,030
8 GEICO $1,034
9 Progressive $1,074
10 Nationwide $1,121
11 California Casualty $1,316
12 Unigard $1,324
13 Farmers $1,365
14 State Farm $1,445
15 Travelers $1,474
16 Allstate $1,580
17 MetLife $1,785
18 Liberty Mutual $1,822
19 Encompass $1,975
Compare Rates Now Go

Bear River offers some of the most affordable car insurance rates in Utah at around $590 annually. USAA, Auto-Owners, American Family, and Farm Bureau Mutual also make the cut as some of the best Utah insurance companies.

In this example, if you currently have a policy with American Family and switched to Bear River, you could earn annual savings of about $403. Policyholders with Farm Bureau Mutual may save as much as $436 a year, and Allied insureds might reduce rates by $438 a year.

To find cheap car insurance for teachers in Utah for your vehicle, click here or click through to the companies below.

It’s important to note that these policy prices are averaged across all drivers and vehicles in Utah and do not take into consideration a rate decrease for teachers. So the insurer that is most affordable for your situation may not even be included in the rate chart shown above. That affirms the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

The make and model of vehicle that needs insurance is probably the largest consideration when comparison shopping for affordable auto insurance for teachers. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost much more to insure than more modest models. The list below features insurance costs for a handful of the most budget-friendly automobiles to buy coverage for.

Cheapest Auto Insurance Rates for Teachers in Utah
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $429
Honda CR-V LX 2WD $439
Ford Escape XLS 4WD $469
Hyundai Tucson GLS 2WD $473
Toyota Prius $476
Subaru Forester X Premium AWD $485
Chevrolet Traverse LTZ 2WD $476
Jeep Wrangler Rubicon 4WD 2-Dr $484
Toyota Highlander 2WD $494
Toyota Tacoma Double Cab 4WD $509
Ford F-150 STX Super Cab 2WD $514
Chevrolet Silverado LS Regular Cab 4WD $522
Dodge Grand Caravan SE $525
Hyundai Elantra SE Touring Station Wagon $527
Toyota Corolla XLE $537
Toyota Sienna XLE AWD $547
Honda Odyssey EX-L W/Navigation $537
Volkswagen Jetta LE 4-Dr Sedan $554
Chevrolet Impala LS $557
Ford Explorer Eddie Bauer AWD $567
Toyota RAV4 Sport 2WD $570
Ford Focus SE 2-Dr Coupe $572
Kia Forte SX 2-Dr Coupe $582
Compare Rates Now Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in zip code location which can raise or lower insurance rates noticeably.

Based upon the table data, you can assume that makes and models like the Honda Accord, Honda CR-V, and Ford Escape are likely to be some of the most affordable vehicles to insure for teachers and educators.

Accidents and violations increase rates

The easiest way to earn the cheapest insurance premiums in Utah for teachers and educators is to drive safe and not have accidents or get tickets. The information below demonstrates how citations and accidents can influence insurance prices for each different age group. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

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’, 1653,2009,2371],[‘Age 30’, 859,1213,1573],[‘Age 40’, 839,1193,1555],[‘Age 50’, 771,1125,1487],[‘Age 60’, 755,1111,1473],[‘Age 70’, 893,1243,1607]]);var options = {title: ‘Impact of Violations and Accidents on Utah 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 example above, the average cost of a car insurance policy in Utah per year with no accidents and a clean driving record is $962. Get two speeding tickets and the average cost hikes up to $1,316, an increase of $354 each year. Then include one accident along with the two speeding tickets and the annual cost of insurance for teachers increases to an average of $1,678. That’s an increase of $716, or $60 per month, just for not maintaining a clean driving record!

State Farm, Geico, Progressive, and Allstate compared

If you are looking for the best auto insurance for teachers and educators in Utah, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has unique coverages that policyholders can choose from. The data below breaks down ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.

Top Auto Insurance Company Ratings
State Farm Geico Progressive Allstate
Overall Satisfaction 4th 1st 3rd 2nd
Number of Discounts 3rd 2nd 4th 1st
Policy Cost 2nd 1st 3rd 4th
Handling of Claims 2nd 3rd 4th 1st
U.S. market share 18.3% 11.4% 8.8% 10%
Customer recommendation 88% 87% 88% 86%
A.M. Best financial rating A++ A++ A+ A+
Standard & Poor’s rating AA AA+ AA AA-
Rideshare insurance Yes Yes Yes Yes
Breakdown insurance No Yes Yes No
Rating based on usage Yes No Yes Yes
Roadside service Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
New car replacement No No No Yes
Compare Prices Now Go

Who has the cheapest insurance quotes for teachers and educators?

Consumers have many ways to find cheap insurance in Utah, but the three most common are through an independent agent, a captive (or exclusive) agent like State Farm or Allstate, or from a direct company like Progressive or Geico. They all have the same end result, but they are slightly different in how they give price quotes.

Independent insurance agencies have contracts with multiple insurance companies and can quote your policy with each one. These types of agencies can quote with many companies and give you more rates, which may provide you with a better overall rate comparison. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies.

An exclusive ageny is only able to write with just one company, two examples are a Liberty Mutual or State Farm agent. They usually cannot quote prices from more than just one company, so keep that in mind.

Buying from a direct company means skip an agent and buy direct from companies such as Geico or Progressive. Shopping direct is good for families who do not need advice for asset protection and have knowledge of the limitations of insurance.

So which method is best to buy cheap car insurance for teachers in Utah? We would first guess that shopping direct results in the cheapest price because there is no agent involved, but unfortunately, it’s not that cut and dried. It could also be said an independent agent guarantees the cheapest rates because they can shop around, but that idea is not necessarily true either. In many circumstances, exclusive agents have extremely competitive rates that independents and direct companies can’t touch.

Due to the fact that insurance rates vary so much, the guaranteed way to get the lowest rate is to obtain price quotes and compare them. It’s recommended that drivers get quotes from all three to get an idea of which is cheapest. For a list of companies offering online discounts, click here to view.

How to find more affordable insurance for teachers

Below you’ll find some money-saving suggestions that can help you locate the cheapest coverage.

  • Avoid filing small claims
  • Bundle home and auto and save
  • Full coverage may not be needed on older vehicles
  • Vehicles with safetly features generally cost less to insure
  • Avoid having at-fault accidents
  • Avoid getting tickets or violations
  • Keep rates low by shopping around frequently

The last item on the list is notably necessary, as we pointed out in this write-up. Prices charged by auto insurers in Utah change constantly, so don’t hesitate to buy a policy from a new company if you can save money.

Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you hundreds of dollars year after year. If you have a few minutes, compare rates and find cheaper car insurance for teachers.