Best Cheap Auto Insurance for Active Military in Utah

Best Cheap Auto Insurance for Active Military in Utah

The vehicle needing coverage is one of the biggest factors in finding the best cheap car insurance for active military in Utah. Vehicles with high performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models. The next list shows coverage rates for the most budget-friendly vehicles to insure in Utah.

Cheapest Auto Insurance Rates for Active Military in Utah
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $628
Ford Escape Limited 4WD $638
Honda Accord EX 4-Dr Sedan $646
Chevrolet Traverse LS AWD $684
Ford Explorer XLT AWD $697
Kia Forte EX 4-Dr Sedan $703
Hyundai Tucson GLS 4WD $697
Ford Focus SES 4-Dr Sedan $703
Hyundai Elantra SE Touring Station Wagon $705
Toyota Prius $708
Subaru Forester X Premium AWP AWD $716
Honda Odyssey EX-L $718
Ford Edge Limited AWD $727
Toyota Corolla S $718
Nissan Altima 2.5 S 4-Dr Sedan $725
Ford F-150 XL Crew Cab 2WD $719
Hyundai Sonata GLS 4-Dr Sedan $726
Dodge Grand Caravan CV $719
Nissan Rogue S AWD $726
Jeep Grand Cherokee Limited 4WD $734
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can increase or decrease premiums noticeably.

Looking at the rates, we can infer that makes and models like the Honda CR-V, Ford Escape, Honda Accord, and Chevrolet Traverse are some of the less-costly vehicles to insure for military personnel.

Comparing quotes for low-priced car insurance is not always easy, and deciding which company offers the lowest-priced auto insurance rates for active military calls for even more perseverance. Premiums may be slightly cheaper than the average policy in Utah due to the lower likelihood of claims related to offering insurance for military personnel. Cheap coverage should be attainable from many insurance companies.
Each auto insurer has a different process to establish rates, so let’s begin by taking a look at the overall cheapest auto insurance companies in Utah.

Best Cheap Insurance Rates for Military

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Cheapest insurance companies in Utah
Rank Company Cost Per Year
1 Bear River $590
2 USAA $760
3 Auto-Owners $894
4 American Family $955
5 Allied $998
6 Safeco $1,019
7 GEICO $1,034
8 Farm Bureau Mutual $1,037
9 Nationwide $1,109
10 Progressive $1,118
11 Unigard $1,272
12 California Casualty $1,316
13 Farmers $1,351
14 State Farm $1,431
15 Travelers $1,534
16 Allstate $1,580
17 MetLife $1,732
18 Liberty Mutual $1,896
19 Encompass $1,994
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Bear River has some of the most affordable car insurance rates in Utah at around $590 annually. USAA, Auto-Owners, American Family, and Allied also qualify as some of the cheaper Utah car insurance companies.

In the rate table above, if you are a policyholder with Allied and switched to USAA, you could earn savings of in the neighborhood of $238. Customers with Safeco may save as much as $259 a year, and GEICO policyholders might cut rates by $274 a year.

To find out how your current rates compare, click here to begin a quote or visit any of the low-priced companies below.

Be aware that those policy rates are averaged across all types of insureds and vehicles and and are not figured with a rate discount for active military. So the insurer that fits your age and vehicle best may not even be included in the company chart above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.

Ending up with the highest-rated car insurance company is difficult considering how many choices there are in Utah. The ranking data in the next section could help you pick which companies to look at when comparing rates.

These ratings are only comprised of major nationwide insurance companies, so smaller regional companies will not be included in this list. If you would like to check rates from these and other competitive companies, simply click here.

Top Ten Auto Insurance Companies in Utah
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
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Data Source: Insure.com Best Car Insurance Companies

Geico, Allstate, State Farm, and Progressive: Who is best?

If you are shopping around for car insurance for military personnel in Utah, four companies you’ll want quotes from are Geico, Allstate, State Farm, and Progressive. The data below compares and contrasts some of the different options you can expect with each one.

Top Car Insurance Company Ratings
Geico Allstate State Farm Progressive
Discounts Available 2nd 1st 3rd 4th
Client Satisfaction 1st 2nd 4th 3rd
Claims Rank 3rd 1st 2nd 4th
Price Ranking 1st 4th 2nd 3rd
Recommend by customers 87% 86% 88% 88%
Rating from A.M. Best A++ A+ A++ A+
Standard & Poor’s financial rating AA+ AA- AA AA
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes No Yes
Uber and Lyft insurance Yes Yes Yes Yes
Mechnical breakdown Yes No No Yes
Rating based on usage No Yes Yes Yes
New car replacement coverage No Yes No No
Available in Utah Yes Yes Yes Yes
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How to get the best cheap car insurance for active military in Utah

The list below details some of the better thrifty suggestions that can help drivers locate the cheapest coverage.

  • Do not pay for full coverage if not needed
  • At-fault accidents can raise rates significantly
  • Violations and traffic tickets increase rates
  • Safer vehicles cost less to insure
  • Good credit can help you save money
  • Increase deductibles to save money
  • Compare rate quotes frequently

That last idea is particularly important, as was discussed in the prior article. Coverage prices change frequently, so you should be ready to buy a different policy if a cheaper rate is available. Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you hundreds of dollars a year. It only take a few minutes to shop around and find cheaper car insurance for active military.