Insurance Quotes in Utah: Your Ultimate Guide

Seeking the best rates for your Utah insurance? A Plus Insurance offers tailored quotes for your peace of mind.

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State Liability Requirements for Utah

Required Liability Coverage:
$25,000 bodily injury liability per person
$65,000 bodily injury liability per accident
$15,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
$3000 Personal Injury Protection

State Minimum Car Insurance Requirements in Utah

When considering insurance quotes in Utah, especially regarding the state’s minimum car insurance requirements, it’s essential to have a clear understanding of what’s mandated. Utah requires its drivers to carry liability insurance with minimum limits of $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage.

Here’s an expanded comparison of estimated monthly rates for basic liability insurance from a variety of carriers:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$55Basic Liability
Dairyland$60Basic Liability
The General$53Basic Liability
Travelers$58Basic Liability
National General$57Basic Liability
Allstate$62Basic Liability
State Farm$54Basic Liability
Farmers$59Basic Liability

Note: These rates are estimates and may vary based on individual circumstances.

When looking for insurance quotes in Utah, it’s important to consider not only the cost but also the coverage and service each carrier offers. Opting for higher coverage than the state minimum can provide better protection and peace of mind while on the road.

Cheapest Full Coverage Insurance in Utah

Finding the Cheapest Full Coverage Insurance in Utah requires a balance between cost and comprehensive protection. Full coverage insurance, which typically includes liability, collision, and comprehensive coverage, offers a higher level of protection than the state minimum. This is particularly important in Utah, where diverse driving conditions can pose various risks.

To help you compare insurance quotes in Utah, here’s a table with estimated rates for full coverage from different insurance carriers. Remember, these are just starting points for your search:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$110Full Coverage
Dairyland$115Full Coverage
The General$108Full Coverage
Travelers$112Full Coverage
National General$120Full Coverage
Allstate$125Full Coverage
State Farm$118Full Coverage
Farmers$122Full Coverage

Note: These rates are estimates and subject to individual circumstances.

When looking for the best insurance quotes in Utah, it’s crucial to consider not just the premium cost but also the extent of coverage. Full coverage insurance may cost more than basic liability insurance, but it provides invaluable peace of mind and financial protection in the event of an accident.

Best Liability Only Auto Insurance Rates in Utah

In Utah, savvy drivers looking for the Best Liability Only Auto Insurance Rates will find that shopping around is key. Liability-only insurance, which covers damages or injuries you may cause to others but does not cover your own vehicle, is often the most cost-effective option for those with older cars or limited budgets.

To guide your search for the most competitive insurance quotes in Utah, here’s a table comparing estimated monthly rates for liability-only insurance from various carriers:

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$45Liability Only
Dairyland$50Liability Only
The General$43Liability Only
Travelers$48Liability Only
National General$46Liability Only
Allstate$51Liability Only
State Farm$47Liability Only
Farmers$49Liability Only

Note: These rates are approximate and may vary based on individual factors.

When searching for insurance quotes in Utah, it’s important to consider your specific needs and circumstances. While liability-only insurance is typically the least expensive option, ensuring you have adequate coverage to protect yourself financially is crucial. Remember, the cheapest option isn’t always the best when it comes to safeguarding your assets and peace of mind.

Top Car Insurance Discounts in Utah

  1. Good Driver Discounts: Companies like State Farm and GEICO offer substantial discounts for maintaining a clean driving record, potentially saving you up to 25%. For instance, State Farm might reduce your premium from an average of $1,500 to $1,200 for good driving behavior.
  2. Multi-Policy Bundling: Consider bundling your car insurance with homeowners or renters insurance. Companies such as Allstate and Farmers could provide discounts of around 20% for combining policies. For instance, Farmers might offer a bundled rate of $1,800 for both policies compared to $1,400 for auto insurance alone.

Here’s a comparison table showcasing estimated annual premiums with and without discounts from various insurance carriers in Utah:

Insurance CompanyAverage Annual Premium Without DiscountsAverage Annual Premium With Discounts
State Farm$1,500$1,200
GEICO$1,600$1,200
Allstate$1,700$1,360
Farmers$1,800$1,440

These figures demonstrate potential savings through common discounts offered by various insurance carriers in Utah, emphasizing the benefits of exploring available discounts when seeking auto insurance coverage.

Least Expensive Sr22 Car Insurance in Utah

  1. Company Comparisons: When seeking SR22 insurance, consider companies like Progressive and GEICO. For instance, Progressive might offer an SR22 policy starting at an estimated $1,800 annually, while GEICO could provide similar coverage at approximately $2,000 per year.
  2. Discounts for SR22: Some insurers, like State Farm and Allstate, might offer discounts even for SR22 coverage. For instance, State Farm might offer an SR22 policy for around $2,500 annually, potentially less with applicable discounts.

Here’s a comparison table depicting estimated annual premiums for SR22 coverage with various insurance carriers in Utah:

Insurance CompanyEstimated Annual Premium for SR22
Progressive$1,800
GEICO$2,000
State Farm$2,500
Allstate$2,300

These estimations showcase potential costs for SR22 coverage among different insurance carriers in Utah, providing insights into finding the least expensive options available.

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Car Insurance Rating Factors in Utah

  1. Driving Record: Insurers like State Farm and Progressive heavily consider your driving history. For instance, a clean record might fetch an average premium of $1,400 with State Farm, whereas a single accident could elevate it to approximately $1,900.
  2. Location Impact: Urban areas like Salt Lake City often experience higher premiums due to increased traffic and accident risks. For instance, rates in Salt Lake City might range from $1,600 (Allstate) to $2,000 (Farmers), while in suburban areas like Provo, rates could drop to around $1,400 (GEICO).

Here’s a comparison table showcasing estimated annual premiums based on driving record and location with various insurance carriers in Utah:

Insurance CompanyClean Record (Salt Lake City)Accident Record (Salt Lake City)Clean Record (Provo)
State Farm$1,400$1,900$1,300
Progressive$1,450$1,950$1,350
Allstate$1,600$2,100$1,450
Farmers$1,700$2,200$1,500
GEICO$1,350$1,850$1,250

These estimates showcase how driving records and location impact car insurance rates with different carriers in Utah, aiding in understanding the variables influencing premiums.

How DUIs/Violations Tickets Affect Insurance in Utah

Understanding how DUIs/Violations Tickets Affect Insurance in Utah is crucial for drivers in the state. In Utah, like in most places, having a DUI or traffic violations on your record can significantly increase your insurance premiums. This is because insurers view such incidents as indicators of high-risk behavior, leading to higher chances of claims.

To illustrate the impact of DUIs and traffic violations on insurance quotes in Utah, here’s a table showing estimated rate increases from various carriers. These figures compare the standard rates with rates after a DUI or traffic violation:

Insurance CarrierStandard RateRate After DUI/Violation
Progressive$75$120
Dairyland$80$130
The General$70$115
National General$78$125
Allstate$82$135

Note: Rates are estimates and subject to change based on individual circumstances.

When seeking insurance quotes in Utah, it’s important to keep in mind that maintaining a clean driving record is one of the best ways to keep your insurance costs down. If you do have violations, it’s worth exploring options like defensive driving courses or other mitigation measures that may help lower your rates over time. Remember, every insurer evaluates risk differently, so shopping around is key to finding the best rate for your situation.

How to Save Money on Homeowners Insurance in Utah

Saving money on homeowners insurance in Utah is a priority for many residents in the Beehive State. With its unique climate and geographical features, Utah homeowners face specific challenges, making it important to find insurance that’s both comprehensive and cost-effective.

Here are some tips to help you save on homeowners insurance in Utah:

  • Shop around and compare rates from different insurers. Don’t hesitate to ask for quotes and compare their coverage details.
  • Increase your deductible, as a higher deductible typically leads to lower premium costs.
  • Bundle your homeowners insurance with other policies, like auto insurance, for potential discounts.
  • Ask about discounts for home improvements that reduce your risk, like security systems or disaster-resistant building materials.
  • Maintain a good credit score, as many insurers use credit history to determine premium rates.

While looking for insurance quotes in Utah, remember that the cheapest option might not always provide the best coverage. Focus on balancing affordability with the protection you need for your home.

Best Motorcycle Insurance in Utah

  1. Comprehensive Coverage: Seek insurers like Progressive and GEICO for comprehensive motorcycle coverage. For example, Progressive might offer coverage at an estimated annual premium of $500 for a standard bike, while GEICO could provide similar coverage for around $550.
  2. Specialized Policies: Consider companies like Dairyland and Nationwide for specialized motorcycle policies. Dairyland might offer coverage at an estimated $600 annually, catering to specific bike models, while Nationwide’s specialized policies could range around $650.

Comparison Table for Motorcycle Insurance in Utah:

Insurance CompanyEstimated Annual Premium (Standard Bike)Estimated Annual Premium (Specialized Policy)
Progressive$500
GEICO$550
Dairyland$600
Nationwide$650

These figures showcase estimated annual premiums for standard and specialized motorcycle coverage with various insurers in Utah, aiding in finding the best policy that suits individual motorcycle needs.

Business Liability Insurance in Utah

Securing the right Business Liability Insurance in Utah is crucial for any business, regardless of its size. This type of insurance provides vital protection against claims that might arise from your business operations, such as property damage, bodily injury, and legal fees. In Utah’s dynamic business environment, having adequate liability coverage is not just a safety net; it’s a cornerstone of a sound business strategy.

To give you an idea of what to expect for business liability insurance quotes in Utah, here’s a brief table showcasing estimated annual premiums from various carriers:

Insurance CarrierEstimated Annual PremiumCoverage Type
Progressive$800Business Liability
The Hartford$750Business Liability
Nationwide$780Business Liability
Travelers$770Business Liability
Liberty Mutual$790Business Liability

Note: These figures are estimates and can vary depending on your business specifics.

When seeking insurance quotes in Utah, it’s important to assess your business’s unique risks and coverage needs. A customized policy can offer the protection that aligns with your specific business activities and risks. Remember, the cheapest policy may not always provide the most comprehensive coverage, so it’s vital to balance cost with the level of protection your business requires.

Explore Utah’s Top 50 Cities for Insurance Quotes

Understanding how location impacts auto insurance rates is crucial. In Utah, diverse factors like population density, traffic conditions, and crime rates play a role in determining premiums. Here’s a list of the top 50 cities in Utah, highlighting how specific city characteristics can influence auto insurance costs.

Top 50 Cities in Utah and Their Impact on Auto Insurance Rates:

  1. Salt Lake City: Urban setting with higher traffic and accident risks might lead to elevated premiums, around $1,800 with major carriers like State Farm.
  2. West Valley City: Moderate rates due to urban surroundings, averaging $1,500 with Allstate.
  3. Provo: Safer driving conditions lead to lower rates, approximately $1,300 with GEICO.
  4. West Jordan: Suburban setting might contribute to moderate premiums, averaging $1,500 with Farmers.
  5. Orem: Lower population density may result in lower premiums, around $1,200 with Progressive.
  6. Sandy: Urban location might elevate rates, averaging $1,700 with State Farm.
  7. Ogden: Moderate rates due to urban surroundings, around $1,500 with Farmers.
  8. St. George: Safer driving environment results in lower premiums, approximately $1,200 with Progressive.
  9. Layton: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  10. Taylorsville: Moderate rates due to suburban lifestyle, around $1,500 with Nationwide.
  11. South Jordan: Suburban setting may contribute to moderate premiums, averaging $1,500 with Farmers.
  12. Lehi: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  13. Logan: Lower population density may result in lower premiums, around $1,200 with Progressive.
  14. Murray: Urban location might elevate rates, averaging $1,700 with State Farm.
  15. Draper: Moderate rates due to urban surroundings, around $1,500 with Farmers.
  16. Bountiful: Safer driving environment results in lower premiums, approximately $1,200 with Progressive.
  17. Riverton: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  18. Roy: Lower population density contributes to affordable premiums, around $1,200 with Progressive.
  19. Cottonwood Heights: Urban location might elevate rates, averaging $1,700 with State Farm.
  20. Pleasant Grove: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  21. Spanish Fork: Lower population density may result in lower premiums, around $1,200 with Progressive.
  22. Springville: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  23. Midvale: Moderate rates due to urban surroundings, around $1,500 with Farmers.
  24. Holladay: Safer driving environment results in lower premiums, approximately $1,300 with GEICO.
  25. Clearfield: Lower population density contributes to affordable premiums, around $1,200 with Progressive.
  26. American Fork: Urban location might elevate rates, averaging $1,700 with State Farm.
  27. Syracuse: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  28. South Salt Lake: Urban location might elevate rates, averaging $1,700 with State Farm.
  29. North Ogden: Lower population density contributes to affordable premiums, around $1,200 with Progressive.
  30. Centerville: Safer driving environment results in lower premiums, approximately $1,300 with GEICO.
  31. Hurricane: Lower population density may result in lower premiums, around $1,200 with Progressive.
  32. Washington: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  33. North Salt Lake: Urban location might elevate rates, averaging $1,700 with State Farm.
  34. Payson: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  35. Farmington: Moderate rates due to suburban surroundings, around $1,500 with Farmers.
  36. Brigham City: Lower population density may result in lower premiums, around $1,200 with Progressive.
  37. Santaquin: Suburban setting may contribute to moderate premiums, averaging $1,500 with Farmers.
  38. West Point: Lower population density leads to affordable premiums, around $1,200 with Progressive.
  39. Bluffdale: Urban location might elevate rates, averaging $1,700 with State Farm.
  40. Saratoga Springs: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  41. North Ogden: Lower population density contributes to affordable premiums, around $1,200 with Progressive.
  42. Kaysville: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  43. South Weber: Safer driving environment results in lower premiums, approximately $1,300 with GEICO.
  44. Ivins: Lower population density may result in lower premiums, around $1,200 with Progressive.
  45. Smithfield: Suburban setting may contribute to moderate premiums, averaging $1,500 with Farmers.
  46. Grantsville: Safer driving conditions result in lower rates, approximately $1,300 with GEICO.
  47. Ephraim: Lower population density contributes to affordable premiums, around $1,200 with Progressive.
  48. Mapleton: Suburban setting may lead to moderate premiums, averaging $1,500 with Farmers.
  49. Nephi: Safer driving environment results in lower premiums, approximately $1,300 with GEICO.
  50. Moab: Lower population density may result in lower premiums, around $1,200 with Progressive.

Top models known for their lower insurance costs:

Certain cars are cheaper to insure due to factors like safety ratings, repair costs, theft rates, and overall risk. Vehicles with advanced safety features, good crash-test ratings, and lower repair expenses tend to have lower insurance premiums. Additionally, cars less prone to theft or with moderate engine power often come with cheaper insurance rates.

Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox

WORST CARS known for their higher insurance costs

Certain cars command higher insurance premiums due to factors like high repair costs, increased theft rates, powerful engines, and elevated accident risks. These vehicles often include luxury cars, high-performance models, and some electric vehicles, contributing to pricier insurance rates.

Mercedes-Benz S-Class
BMW M4
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

How to Get a Free Insurance Quotes in Utah

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

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Frequently Asked Questions about Insurance Quotes in Utah


What Is SR22 Insurance in Phoenix, AZ?

SR22 insurance is a vehicle liability insurance document required by the Arizona Department of Motor Vehicles (DMV) for high-risk drivers. It is a certification issued by your insurance company to prove you have the minimum coverages required by state law.

How Do I Get an SR22 Insurance Quote in Phoenix?

You can get an SR22 insurance quote in Phoenix by contacting a licensed insurance agent or using online resources to compare rates from various providers. The quote will include the cost of the SR22 filing fee and the premium for your auto insurance policy.

How Long Do I Need to Keep My SR22 Insurance in Phoenix?

The typical requirement is a minimum of three years, but this can vary depending on your offense. Failure to maintain your SR22 insurance during this period could result in the suspension of your driver’s license.

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