Who Has Cheap Auto Insurance Quotes for High School Students in Utah?

When shopping for insurance for teenagers, one of the many criteria that help determine the price of your policy is where you normally keep your vehicle in Utah. Cities with more crime and/or more people like Taylorsville, Millcreek, and Kearns tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The following table shows the most expensive areas in Utah for high school students in which to buy car insurance.

Information shown are estimated as specific Utah zip code can change price quotes significantly.

Trying to find cost effective car insurance is easier said than done, and determining which company has the cheapest auto insurance rates for high school students involves additional perseverance. Premiums could be much more than the average rate in Utah, with the higher price attributed to the potential for more claims that goes along with offering coverage for teenagers, but reasonably-priced insurance may be available with a little diligence. Every insurance company has a different formula for determining rates, so first we will examine the most budget-friendly auto insurance companies in Utah.

Keep in mind that Utah auto insurance rates are based on many factors that can increase the cost of having a policy. Simply turning a year older, buying a new vehicle, or getting a speeding ticket can trigger rate changes that can cause some rates to be more affordable than others.

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Bear River offers some of the best car insurance rates in Utah at around $566 a year. USAA, Auto-Owners, American Family, and Allied would also make the list of some of the more affordable Utah car insurance companies.

In the rate table above, if you are currently insured with American Family and switched to Bear River, you may realize annual savings of about $427. Policyholders with Allied could save as much as $432 a year, and Farm Bureau Mutual insureds might lower prices by up to $471 a year.

To discover how much you can save, click here to begin a quote or quote prices from the following companies.

It’s important to note that these premiums are averaged across all ages of drivers and types of vehicles and do not take into consideration a price increase for high school students. So the insurer that has the lowest price for you may not even be featured in the list of companies above. That underscores the importance of why you need to get quotes using your own specific driver and vehicle information.

The vehicle requiring insurance is probably the largest consideration in finding the cheapest insurance for high school students. Vehicles with high performance features, poor safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.

The next table features car insurance rates for a selection of the cheaper vehicles to insure.

Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific zip code location which can decrease or increase rates substantially.

Looking at the rates, we can tell that cars like the Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota Prius will be some of the less-costly vehicles to insure for teenagers. Prices will tend to be higher just due to the fact that there is more risk for high school students, but overall those specific models will probably have the cheapest car insurance rates compared to other vehicles.

Safe drivers pay less for auto insurance

In a perfect world, the best way to snag cheap car insurance for high school students in Utah is to be a good driver and avoid accidents and traffic violations. The information below illustrates how traffic citations and accident claims can drive up annual premium costs for different ages of insureds. The premiums assume a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,342. Receive two speeding tickets and the average cost jumps to $1,797, an increase of $455 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for high school students goes up to an average of $3,479. That’s an increase of $2,137, or $178 per month, just for not keeping your driving record clean!