Cheapest Auto Insurance for 18 Year Olds in Utah

Shopping around for budget auto insurance is not easy, and determining which companies quote the cheapest car insurance rates for 18 year olds will require even more diligence. Prices will more than likely be quite a bit more than the average policy in Utah, with the extra cost attributed to the extra risk that comes with offering insurance for teen drivers, but affordable insurance should be obtainable if you find the right company. Every car insurance company has their own guidelines for determining prices, so we’ll take a look at the overall cheapest car insurance companies in Utah.

It’s important that you understand Utah car insurance rates are determined by lots of factors that control the cost of coverage. This price fluctuation is why consumers need to take the time to shop around when trying to find affordable insurance rates for 18 year olds. Insurance rates can be altered by many things and can increase or decrease at any time, so the cheapest company six months ago may now be priced much higher than other options.

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Bear River normally has some of the best car insurance rates in Utah at around $584 a year. USAA, Auto-Owners, American Family, and Allied would also be considered some of the cheaper Utah car insurance companies.

As the rates illustrate above, if you currently have a policy with Auto-Owners and switched to Bear River, you might see savings of in the vicinity of $310. Utah drivers with American Family could save as much as $409 a year, and Allied customers might lower prices by $424 a year.

Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a price surcharge for 18 year olds. So the insurer that fits you best may not even be included in the list of companies shown earlier. That is why you need to quote rates from many companies using your own driver and vehicle profiles.

The vehicle model driven is one of the largest considerations when consumers are trying to find the cheapest auto insurance for 18 year olds in Utah. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost much less to insure than high performance models. The information below shows insurance rates for a number of the cheapest vehicles to buy coverage for.

Prices based on single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can impact auto insurance rates significantly.

Table data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in your specific Utah location which can alter coverage prices considerably.

Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in vehicle garaging location which can raise or lower coverage prices noticeably.

When shopping for the cheapest insurance for teen drivers, one of the many criteria that is used to calculate auto insurance rates is where you live in Utah. Areas that are more densely populated like West Valley City, Sandy, and Taylorsville will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims profit from lower rates.

The next table shows the most expensive cities in Utah for 18 year olds to buy car insurance in.

Annual rates are approximated as the vehicle garaging location can alter coverage rates greatly.

Discount Utah car insurance rates

Insurance companies that sell the cheapest auto insurance for 18 year olds in Utah could also offer price discounts that can reduce rates by as much as 30% if you are eligible for them. Larger car insurance companies and the discounts they provide are:

The chart below shows the difference between auto insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Utah state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with continuous coverage, anti-theft, passive restraint, paid-in-full, vehicle safety, and paperless filing discounts applied. With discounts applied, the average savings per year on car insurance for 18 year olds is % or $.

Ending up with the highest-rated insurance provider can be rather challenging considering how many different companies there are to choose from in Utah. The information listed below can help you decide which coverage providers you want to consider purchasing a policy from. The ratings below are only comprised of major nationwide insurance companies, so smaller companies are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Providers in Utah Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. The General
5. Progressive
6. Allstate
7. American Family
8. AAA Insurance
9. Nationwide
10. Travelers

Top 10 Major Auto Insurance Providers 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-

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

If you want reliable auto insurance, four of the best places to start are Progressive, State Farm, Geico, and Allstate. If you combine them together, they insure about half of all car insurance policies written. All four can cover your vehicle for liability and physical damage, but each one has a distinct set of features and optional coverages that you can choose from. The following table compares and contrasts ratings for price and service, as well as some optional coverages that may be available in your state.