How Much Does Car Insurance Cost for Good Students in Utah?

The type of vehicle you are seeking coverage for is one of the biggest factors when looking for cheap insurance for good students in Utah. Vehicles with reasonable performance levels, good safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models. The information below shows car insurance premiums for a selection of the more afforable automobiles to buy coverage for.

Premium data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can revise premiums noticeably.

Looking at the data, makes and models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Chevrolet Traverse are most likely going to be a few of the more affordable vehicles to insure for student drivers.

Establishing which company offers the best car insurance rates for good students will involve a little more effort in order to find the best price. Every insurance provider uses different criteria for establishing rates, so let’s examine the car insurance companies that tend to have lower prices in Utah.

It’s important that readers know that Utah car insurance rates are based on many factors that can increase your annual premium. Simply having another birthday, getting divorced, or having an accident may prompt premium changes that can make some companies more affordable than before.

Best Cheap Insurance Rates for Students

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Bear River may have some of the lowest car insurance rates in Utah at around $572 annually. USAA, Auto-Owners, American Family, and GEICO also make the cut as some of the best Utah car insurance companies.

In the above example, if you currently have coverage with American Family and switched to USAA, you might achieve savings of upwards of $202. Utah drivers with GEICO might save as much as $232 a year, and Farm Bureau Mutual insureds might reduce prices by as much as $246 a year.

Bear in mind that those premium estimates are averages across all drivers and vehicles in Utah and do not factor in a price discount for good students. So the car insurance company that has the cheapest price for you may not even be shown in the rate chart shown above. That’s why you need to get auto insurance quotes using your own personal information and vehicle type.

Buying coverage from a high-quality auto insurance company is hard considering how many choices you have in Utah. The information listed below may help you decide which auto insurers to look at when shopping your coverage around. These rankings only include companies with a national presence, so companies that only write business in Utah or surrounding areas are not factored into this list.

Top 10 Major Car Insurance Companies in Utah Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Liberty Mutual
5. Progressive
6. GEICO
7. Allstate
8. The Hartford
9. The General
10. Travelers

Top 10 Major Car Insurance Companies in Utah Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Progressive – A+
8. Allstate – A+
9. Nationwide – A+
10. The General – A-

Drive responsibly or pay higher rates

In a perfect world, the best way to enjoy low car insurance prices for student drivers is to drive cautiously and avoid at-fault accidents and violations. The chart below highlights how traffic violations and at-fault accidents can affect insurance premiums for different age categories. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of auto insurance per year with no violations or accidents is $1,317. Receive two speeding tickets and the average cost increases to $1,818, an increase of $501 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for good students increases to an average of $2,322. That’s an increase of $1,005, or $84 per month, just for being a little careless behind the wheel!

Cheap insurance quotes for student drivers

There are a variety of different ways to comparison shop for car insurance in Utah, but the most popular methods are through an independent insurance agent, an exlusive agent like Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but each is different in how they give price quotes.

Independent agencies work for many companies and can compare rates with every one. These agents are not employed by one specific company and can give you more rates, which can help you get a better comparison. If your premiums go up, the business is moved internally which makes it simple for you.

An exclusive ageny is only able to write business for one company, examples being a Farmers or Allstate agent. These agents usually cannot provide rates from more than one company, so they have no alternatives for high prices.

Opting to purchase car insurance direct means you bypass an exlusive or independent agent and instead shop from a direct company like Geico or Esurance. Buying car insurance direct may be a decent choice drivers who have an average risk profile and have a decent understanding of the limitations of car insurance.

When shopping for car insurance, which way works best for finding cheap insurance for good students in Utah? Our initial answer would be buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. It could also be said buying from an independent agent guarantees the cheapest rates since they can quote with many companies, but again, that’s not accurate. In some circumstances, exclusive agents have price quotes that other companies cannot beat.

Due to the large number of rating factors, really the best method to not overpay for car insurance is to compare rate quotes from as many companies as possible. We highly recommend getting prices from all three types in order to have enough rates to compare. For a list of companies offering online discounts in Utah, click here to view.

How to get cheap insurance for good students in Utah

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help you get cheap coverage.

• Just one traffic violation will increase your rates
• Being accident-free can lower rates significantly
• Claim-free drivers earn discounts
• Older vehicles may not need full coverage
• Choose a safer vehicle and pay lower rates
• Insure your home and auto with the same company
• Compare prices as often as possible

The last tip is highly important, as we discussed in this write-up. Coverage prices in Utah can change significantly in a year, so drivers shouldn’t be reluctant to change to a new company if a more affordable price is available.

Many drivers prefer to stick with one company, but we do not recommend it if that inflexibility results in costing you a wad of cash every year. In less than five minutes you could shop around and find cheaper insurance for good students.