Cheapest Car Insurance for Inexperienced Drivers in Utah

For new drivers, one of the largest criteria that help determine auto insurance rates is where your car is garaged. Areas that are densely populated or have higher claim frequency like Murray, Millcreek, and Taylorsville are more likely to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The illustration below rates the highest-priced areas in Utah for inexperienced drivers to buy an auto insurance policy in.

Rate information is comparative as specific location information can raise or lower premium rates substantially.

The car, truck, or SUV that is being insured is one of the biggest factors when trying to find the most economical coverage for inexperienced drivers. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than high performance models.

The table below showcases car insurance prices for the most cost-effective automobiles to insure in Utah.

Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in garaging location in Utah which can influence coverage rates noticeably.

Based upon the rates shown, cars like the Ford Escape, Honda CR-V, Dodge Grand Caravan, Subaru Forester, and Toyota Prius should be some of the cheapest vehicles to insure for new drivers.

The chart below demonstrates how choosing different deductibles can influence annual premium costs when trying to find cheap insurance for inexperienced drivers. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

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As shown above, a 30-year-old driver could cut expenses by $334 a year by increasing from a $100 deductible to a $500 deductible, or save $502 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, can cut as much as $996 or more by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it will be required to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Best auto insurance company in Utah

Selecting a highly-rated car insurance provider can be difficult considering how many choices there are in Utah. The company ratings in the lists below may help you decide which coverage providers to look at when trying to find cheaper insurance for inexperienced drivers. The ratings below only include companies that insure vehicles nationwide, so companies with more of a regional focus are not included in this list.

Who has the cheapest insurance quotes for new drivers?

Drivers have a lot of ways to quote and buy auto insurance in Utah, but the most preferred ways are from an independent insurance agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico. All three ways can provide auto insurance quotes, but it’s important to understand the differences in how they provide rate quotes.

Independent insurance agents have contracts with many companies and can get rate quotes from all of them. These agents can provide you with more rate quotes, which may provide you with better odds of saving money. If prices rise, it’s easy for the agent to move the policy without having to get a different agent.

An agent who is captive is only able to quote your policy with a single company, examples being a State Farm or Allstate agent. These agents are unable to quote prices from more than a single company, so if finding the cheapest coverage is your goal, you will need to shop around.

Direct auto insurance buyers do not use a local agent and instead shop from a direct company like Geico or Progressive. This option may be a decent choice families who have little risk and have some degree of understanding of how auto insurance works and possible exclusions.

So comparing independent agents, exclusive agents, and direct, which one works best to buy the cheapest car insurance for inexperienced drivers in Utah? We would first guess that buying from a direct car insurance company yields the cheapest rates because you bypass the agent, but unfortunately, that is not the case. It would also be easy to say buying auto insurance from an independent agent results in the cheapest rates since they have more companies to choose from, but that assumption is not true either. In the right set of circumstances, exclusive agencies have really good rates that are the cheapest.

Since auto insurance prices vary so much, the best way to get the cheapest rates is to get quotes and compare the rates. Be sure to get rate quotes from all three to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.