Who Has the Cheapest Car Insurance for High Mileage Drivers in Utah?

You’ve seen the catchy advertisements from companies like GEICO, Allstate, and Liberty Mutual that promise the cheapest rates, so you just need to choose the one with the best commercial, right?

It’s just not that simple, as there are a lot of unknowns like how much liability insurance you need, whether you are a woman or a man, and deductibles for comprehensive and collision coverage. This article will detail the best ways to avoid paying too much and also should give you a good start in finding the cheapest car insurance.

Locating budget car insurance is hard enough, and determining which company offers the lowest-priced insurance rates for high mileage drivers calls for a little more work. Each company has their own process for determining rates in each state, so to begin we’ll rank the most affordable insurance companies in Utah.

We do need to point out that Utah insurance rates are determined by lots of factors that control the price you have to pay for coverage. This price variation is why drivers need to compare lots of rates to get the most affordable auto insurance rates for high mileage drivers. Rates are calculated by many factors and change substantially, so the best price when you last compared rates may now be costing you a lot of money.

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Bear River offers some of the cheapest car insurance rates in Utah at around $572 each year. USAA, Auto-Owners, American Family, and Safeco also rank well as some of the best Utah car insurance companies.

As shown above, if you are a customer of American Family and switched to USAA, you could see annual savings of approxmiately $188. Utah drivers with Safeco may save as much as $252 a year, and Farm Bureau Mutual insureds might reduce prices by as much as $270 a year.

Remember that these prices are averages for all drivers and vehicles in Utah and and are not calculated with a rate decrease for high mileage drivers. So the insurer that can offer you the lowest price may not even be shown in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

When shopping for the cheapest car insurance for high mileage drivers, one of the many factors that establish a rate quote is where you normally keep your vehicle. Cities that have higher claim levels or more people like West Jordan, Taylorsville, and Kearns tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates generally pay lower car insurance rates.

The information below illustrates the priciest cities in Utah for high mileage drivers to purchase car insurance in.

Information shown are estimated as the specific area where the vehicle is garaged can lower or raise auto insurance rates substantially.

The vehicle driven is one of the main factors when comparison shopping for the most economical auto insurance for high mileage drivers. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost much less to insure than high performance models.

The tables below showcases coverage prices for a selection of the cheaper vehicles to buy coverage for.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in your specific Utah location which can modify price quotes significantly.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle garaging location which can increase or decrease prices substantially.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in your specific Utah location which can influence prices considerably.

Liability only or full coverage

Finding the cheapest auto insurance for high mileage drivers in Utah should be important to most vehicle owners, and one way to pay lower rates for insurance is to buy liability only. The chart below compares annual premium costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs $1,267 per year over having just liability coverage. That raises the question if it’s a good idea to buy full coverage. There is no clear-cut formula to delete comp and collision coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,500 after the policy deductible has been paid. If it’s costing you more than $550 annually for full coverage, then you might want to think about dropping full coverage.

Choosing the best insurance company can be a challenge considering how many companies provide coverage in Utah. The ranking information listed below can help you analyze which car insurance companies to look at when trying find the best insurance for high mileage drivers.

The ratings below include companies with a national presence, so companies that only write business in Utah or surrounding areas are not taken into consideration for the list. If you would like to check rates from these companies and more, simply click here.

How to find budget-friendly insurance for high mileage drivers

Below you’ll find a few penny-pinching suggestions that can help drivers quote the cheapest auto insurance.

• Pay less by remaining claim-free
• Multi-policy discounts save money
• Vehicles with safetly features generally cost less to insure
• Do not get traffic violations
• At-fault accidents can raise rates significantly
• Compare rates often to find the best deal

That last idea is particularly necessary, as we discussed in this article. Insurance rates adjust frequently, so don’t be tentative to switch companies if you can save money.

Many drivers prefer to stick with one company, but we do not recommend it if that faithfulness ends up costing you a considerable chunk of change every month. Take a couple minutes and shop around to find cheaper car insurance for high mileage drivers.