Best Cheap Car Insurance for Teenagers in Utah
Enter your Utah Auto Insurance zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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Trying to buy budget auto insurance is difficult, and finding out which company quotes the best auto insurance rates for teenagers calls for even more rate comparisons. Policy rates will most likely be quite a bit higher than the average rate in Utah, with the increase attributed to the posibility of more claims that goes along with selling insurance for teen drivers, but affordable coverage may be available if you find the right company. Each insurer has their own guidelines for determining prices, so we’ll take a look at the overall cheapest auto insurance companies in Utah.
|Rank||Company||Cost Per Year|
|7||Farm Bureau Mutual||$1,057|
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Bear River generally has some of the cheapest car insurance rates in Utah at around $572 per year. USAA, Auto-Owners, American Family, and GEICO also rank well as some of the more affordable Utah auto insurance companies.
In the above rates, if you are insured with GEICO and switched to USAA, you might achieve an annual savings of in the neighborhood of $240. Customers with Allied could save as much as $245 a year, and Farm Bureau Mutual insureds might cut rates by $274 a year.
Be aware that those prices are averages for all insureds and vehicles and are not factoring in a rate surcharge for teenagers. So the insurer that can offer you the best rate may not even be featured in the rate chart shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
The vehicle model you are buying coverage for is probably the biggest factor when trying to find low-cost car insurance for teenagers. Vehicles with lower acceleration and performance, a great safety record, or a track record of few liability claims will cost substantially less to insure than higher performance models.
The table below shows insurance costs for a number of the cheapest vehicles to insure in Utah.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,842|
|Honda CR-V EX-L 4WD||$1,860|
|Honda Accord EX-L 4-Dr Sedan||$1,975|
|Chevrolet Traverse LT AWD||$1,993|
|Ford Explorer XLT AWD||$2,067|
|Subaru Outback 2.5I||$2,084|
|Subaru Forester XT Limited Edition AWD||$2,127|
|Toyota Tacoma 2WD||$2,164|
|Honda Odyssey EX||$2,171|
|Ford Edge SE AWD||$2,164|
|Chevrolet Equinox LS AWD||$2,182|
|Chevrolet Impala LT||$2,192|
|Toyota RAV4 Limited 4WD||$2,182|
|Chevrolet Silverado LT Extended Cab 4WD||$2,192|
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Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in your specific Utah location which can lower or raise price quotes greatly.
Based upon the table data, cars like the Ford Escape, Honda CR-V, Honda Accord, Chevrolet Traverse, and Toyota Prius are most likely to be the cheaper vehicles to insure for teen drivers. Auto insurance rates will be higher anyway because of the fact that there is a higher risk for teenagers, but generally speaking those vehicles will most likely have the best insurance prices available.
When shopping for cheaper auto insurance for teen drivers, one of the many things that is used to calculate car insurance rates is where your residence is. Areas with a lot of weather claims or more people like Taylorsville, Kearns, and Millcreek will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.
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The following table illustrates the highest-priced places in Utah for teenagers to purchase auto insurance in.
|2||West Valley City||$1,227|
|9||Salt Lake City||$1,168|
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Table data uses comparative as the specific garaging location can revise insurance rates considerably.
Discounts on the best cheap auto insurance for teenagers in Utah
Insurance companies that sell policies for teenagers may also provide discounts that could potentially reduce rates by 25% or more if you meet certain criteria. The best auto insurance companies and their possible discounts are shown below.
|Daytime running lights||No||Yes||No||Yes||Yes||No|
|Active duty military||Yes||Yes||No||Yes||Yes||No|
|Student away from home||Yes||No||Yes||Yes||Yes||Yes|
|Own your home||Yes||No||No||No||Yes||No|
|Seat belt usage||No||Yes||No||No||No||No|
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The diagram below compares auto insurance rates with and without discounts applied to the premium. The costs are based on a male driver, a clean driving record, no claims, Utah state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, paperless filing, good student, paid-in-full, passive restraint, and continuous coverage discounts applied. When these discounts are applied, the average amount saved on auto insurance for teenagers is % or $.
Auto insurance rates are higher with tickets and accidents
The easiest way to maintain the best cheap auto insurance for teenagers in Utah is to drive cautiously and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault accidents drive up insurance prices for different age groups. The rates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of auto insurance per year with no violations or accidents is $1,540. Receive one speeding ticket and the average cost hikes up to $1,733, an increase of $193 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for teenagers increases to an average of $3,357. That’s an increase of $1,816, or $151 per month, just for not driving carefully!
Here’s why you should compare rates often
Utah auto insurance rates are influenced by many factors that control the price of coverage. Simply getting older, buying a home, or having a fender bender can trigger rate changes that can now make some companies cheaper than before. Not only that, but insurers change premium rates every year to adjust for unexpected claims or profits. Unexpectedly high claims may result in increased policy costs, while a better claims history can produce cheaper Utah car insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Utah for a 35-year-old male driver with no accidents or violations, and a high credit rating. If we look at prices based on his current rating profile, Bear River has the cheapest car insurance rates in Utah at $566 per year. This is $680 less than the average price paid by Utah drivers of $1,246. USAA, Auto-Owners, American Family, and GEICO also make the list of the best Utah auto insurance companies.
The chart below compares rates after we give the driver from the above example an accident surcharge, slightly worse credit, and an imperfect driving record. Since each insurance company uses their own calculation for establishing rates, comparing insurance quotes may now present a different set of companies as shown below.
Allied now has the lowest price in Utah with Safeco, Progressive, USAA, and Nationwide completing the list. This example demonstrates why drivers need to spend some time comparing rates to find the most economical insurance quotes for teenagers.
Car insurance prices are impacted by many things and can change substantially, so the cheapest rate the last time you shopped your coverage around may now be costing you a lot of money. Use our FREE quote to compare now!
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