Cheap Car Insurance Quotes for Homeowners in Utah

We always joke that when we write about auto insurance, the word affordable shouldn’t be used anywhere in the article. It’s just reality that cheap auto insurance for homeowners is just plain contradictory. Don’t let that spoil your day, because we can show you some ways you can still get auto insurance that you are able to afford.

Comparing rates for cost effective auto insurance is confusing at best, and deciding which companies quote the best car insurance rates for homeowners requires a little more work. Policy rates will more than likely be slightly cheaper than the average price in Utah because of the decrease in risk that comes with selling insurance for people who own their homes. Cost-effective insurance should be available from many insurance companies.
Each insurance company uses their own formula for setting prices, so we’ll go over the car insurance companies that tend to have lower prices in Utah.

It’s important that you understand Utah car insurance rates are influenced by many factors which can substantially change the price of your policy. Simply having another birthday, increasing liability limits, or getting a reckless driving citation can trigger price changes resulting in some rates now being more expensive than before.

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Bear River has some of the most affordable car insurance rates in Utah at around $572 per year. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the lowest-priced Utah auto insurance companies.

As shown in the rates above, if you currently have coverage with American Family and switched to USAA, you may realize savings of approxmiately $217. Customers with Allied might save as much as $231 a year, and GEICO policyholders might see rate reductions of $256 a year.

If you would like to find cheap car insurance for homeowners in Utah, click here to get a free quote or feel free to get quotes from the companies below.

Be aware that those prices are averaged for all insureds and vehicles and and are not calculated with a price discount for homeowners. So the insurer that is most affordable for your situation may not even be featured in the list of companies shown earlier. That is why you need to compare rates from multiple companies using your own personal information and vehicle type.

The vehicle needing coverage is one of the largest considerations when comparison shopping for cheap car insurance for homeowners in Utah. Vehicles with lots of horsepower, a lack of modern safety features, or a track record of large liability claims will cost much more to insure than safer models.

The lists below estimates car insurance rates for the most budget-friendly automobiles to buy coverage for.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in vehicle garaging location which can impact coverage prices noticeably.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can affect insurance rates substantially.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Utah which can raise or lower premium rates considerably.

One of the key factors that control the policy price is where you call home. Areas with more people or more claims like Salt Lake City, Kearns, and Riverton tend to pay slightly more, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.

The table below ranks the highest-priced places in Utah for homeowners to purchase a policy in.

Information shown are estimated as the garaging address in Utah can increase or decrease coverage prices greatly.

Discounts on cheap car insurance for homeowners in Utah

Insurance companies that offer coverage for homeowners may provide premium discounts that can lower rates by 25% or more if you meet eligibility requirements. The best car insurance companies and their possible discounts are outlined below.

The information below illustrates the comparison of auto insurance rates with and without policy discounts. The prices are based on a male driver, no tickets, no at-fault accidents, Utah state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, accident-free, passive restraint, anti-theft, marriage, and homeowner discounts applied. When discounts are applied, the the average yearly reduction on car insurance for homeowners is 32% or $642.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 1911,1373],[‘Age 30’, 1015,737],[‘Age 40’, 985,717],[‘Age 50’, 903,657],[‘Age 60’, 877,635],[‘Age 70’, 1091,787]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Homeowners’,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);}

The information below demonstrates how choosing different deductibles can impact premium costs when quoting cheap insurance for homeowners. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2275,2079,1861,1653],[‘Age 30’, 1201,1097,975,859],[‘Age 40’, 1151,1057,947,839],[‘Age 50’, 1055,967,867,771],[‘Age 60’, 1035,949,851,755],[‘Age 70’, 1187,1095,991,893]]);var options = {title: ‘Impact of Deductible Levels on Auto Insurance Prices in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could save $188 a year by changing from a $100 deductible to a $500 deductible, or save $284 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, have the ability to save $622 or more by choosing larger deductibles on their policy. When choosing a higher deductible, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Which major car insurance company is best?

When comparing rates for auto insurance, four companies to consider are Geico, Allstate, State Farm, and Progressive. Combined they insure almost half of the entire U.S. auto insurance market. The table below ranks ratings and policy coverage options offered by each one.