Best Car Insurance In Utah
Your Guide to the Best Car Insurance In Utah
UTAH INSURANCE
7/23/202314 min read
Best Car Insurance in Utah
As you navigate Utah's winding roads and picturesque landscapes, having the best car insurance to protect you and your vehicle is crucial. With myriad options available, finding the best policy for your needs can be overwhelming. This guide aims to ease the process by providing essential tips, highlighting Utah's top car insurance providers, and explaining the state's insurance laws.
Understanding Car Insurance Basics
Before diving into the specifics of car insurance in Utah, it's vital to understand the basic types of coverage:
Liability Insurance: This insurance covers the costs if you are legally responsible for a car accident. It includes both bodily injury liability (medical expenses) and property damage liability (repair costs).
Collision Insurance: This insurance covers repairing or replacing your car after an accident, regardless of who was at fault.
Comprehensive Insurance: This insurance covers non-collision-related damages to your car, like those from fire, theft, or natural disasters.
Uninsured/Underinsured Motorist Protection: This covers your costs if you are in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP): This is also called "no-fault" insurance and pays for your medical expenses regardless of who caused the accident.
Utah Car Insurance Laws
Utah is a "no-fault" state, which means that your insurer will pay for your bodily injury expenses up to your coverage limit, regardless of who caused the accident. Utah requires drivers to carry the following minimum insurance coverages:
$25,000 for bodily injury per person per accident
$65,000 total for bodily injury per accident
$15,000 for property damage per accident
$3,000 in Personal Injury Protection (PIP)
While these are the minimum requirements, it's advisable to consider higher limits for better protection.
Top Car Insurance Providers in Utah
The following are some of the best car insurance companies in Utah, based on factors like customer satisfaction, coverage options, pricing, and claims handling:
GEICO
A well-established name in the insurance industry, GEICO offers competitive rates, various discounts, and comprehensive coverage options. They have high ratings for customer service and claims handling.
State Farm
State Farm is another popular choice for Utah drivers, offering a range of policies and additional coverages like rental and travel expense coverage. They also have numerous local agents throughout Utah for personalized service.
Progressive
Known for its competitive rates, Progressive offers numerous discounts, including multi-policy, safe driver, and pay-in-full discounts. They also offer an innovative tool called "Name Your Price," which tailors a plan based on your budget.
Allstate
Allstate offers a personalized insurance experience with local agents. They have a wide range of policy options and provide several unique offerings like new car replacement and accident forgiveness.
USAA
For military members and their families, USAA offers comprehensive car insurance with excellent customer service and competitive prices.
Finding the Best Car Insurance for You
Follow these tips to find the best car insurance in Utah:
Evaluate Your Needs: Consider the level of coverage you need based on factors like your vehicle's value, your driving habits, and your financial situation.
Shop Around: Get quotes from multiple insurance companies to compare rates. Remember, the cheapest policy might not provide the best protection.
Consider Local or Regional Companies: They may offer competitive rates and personalized service.
Check Discounts: Most companies offer discounts, such as safe driver, multi-policy, or good student discounts. Make sure to ask about these when getting quotes.
Assess the Insurer's Reputation: Look at online reviews or ratings from organizations like the Better Business Bureau (BBB) or J.D. Power to gauge the insurer's customer service and claims handling reputation.
Review Before You Renew: Insurance rates can change yearly. Review your policy before renewing to see if you can get a better deal elsewhere.
Remember, the key to finding the best car insurance in Utah is patience and research. By following these steps, you can find the policy that provides the best protection at an affordable price. Safe travels!
Top 50 Best Utah Car Insurance Groups
Are you a car owner in Utah looking for the best car insurance groups to protect your vehicle? Finding the right insurance provider can be a daunting task, as there are numerous options available in the state. To help you make an informed decision, we have compiled a list of Utah's top 50 best car insurance groups based on customer reviews and ratings.
1. Archibald Insurance Agency
Rating: 4.8 (328 reviews)
Location: 3761 S 700 E #100
Founded on the principles of trust and reliability, Archibald Insurance Agency has been serving the community for years. With a high customer satisfaction rate, this auto insurance agency offers comprehensive coverage options to meet your needs.
2. A Affordable Insurance
Rating: 4.5 (85 reviews)
Location: 341 E 2100 S
A Affordable Insurance is committed to providing excellent customer service and affordable insurance solutions. Their experienced team will guide you through the process of finding the best coverage for your budget.
3. ASA Insurance
Rating: 4.6 (172 reviews)
Location: 2200 S State St
ASA Insurance is known for its personalized service and dedication to its customers. They offer a range of insurance products, including auto insurance, to ensure you have the coverage you need.
4. Four Seasons Insurance Agency
Rating: 4.7 (684 reviews)
Location: 2273 W 7800 S Suite 6
Four Seasons Insurance Agency is a reputable insurance provider that strives to meet the individual needs of each customer. Their team is experienced in finding the best insurance options at competitive rates.
5. Direct Insurance Services
Rating: 4.9 (55 reviews)
Location: 6796 S 1300 E
Direct Insurance Services is dedicated to helping customers find the best and most affordable car insurance options available. Their experienced agents will ensure you get the coverage you need.
6. Bear River Insurance Agent - Rob Jackson Insurance
Rating: 4.8 (91 reviews)
Location: 348 W Main St
Rob Jackson Insurance is a reliable insurance agency offering various insurance solutions, including auto insurance. Their team works diligently to find the best rates and coverage for their customers.
7. AseguranzasUtah.com || Anderson Insurance Group
Rating: 4.7 (64 reviews)
Location: 5965 S Redwood Rd #200
Anderson Insurance Group specializes in home and auto insurance, offering personalized service to ensure you get the best policies for your specific needs.
8. The Insurance Pros - Bear River Mutual Agent
Rating: 5.0 (16 reviews)
Location: [Contact Information Not Provided]
The Insurance Pros, as a Bear River Mutual Agent, is dedicated to customer satisfaction. They strive to provide the best rates and service to their clients.
9. Dean Insurance Agency, Inc
Rating: 5.0 (12 reviews)
Location: 520 E 770 N
Dean Insurance Agency offers a wide range of insurance products, including car insurance, with a focus on delivering exceptional customer service.
10. Inside Insurance
Rating: 5.0 (338 reviews)
Location: 10929 S Redwood Rd STE 200
Inside Insurance is a leading insurance agency known for providing excellent customer service and offering the best value for their insurance policies.
11. Advance Insurance
Rating: 4.7 (674 reviews)
Location: 248 S State St
Advance Insurance is dedicated to getting their customers the best deals on car insurance. Their efficient team will provide you with quick quotes for your new car.
12. Platinum Insurance Group - Silver Creek Insurance Company
Rating: 5.0 (15 reviews)
Location: 8763 S Sandy Pkwy
Platinum Insurance Group is a reliable insurance agency that offers a seamless experience for customers searching for the best auto insurance coverage.
13. Bear River Mutual Insurance Company
Rating: 4.6 (1,703 reviews)
Location: 778 E Winchester St
Bear River Mutual Insurance Company has earned its reputation for providing excellent car insurance options at competitive rates.
14. Apex Insurance Utah
Rating: 4.8 (50 reviews)
Location: 2435 W 12600 S
Apex Insurance Utah takes pride in its friendly and helpful staff, always ready to assist you in finding the best insurance for your car.
15. Bear River Insurance - Keystone Insurance Services
Rating: 4.9 (667 reviews)
Location: 980 E 800 N # 204
Bear River Insurance, through Keystone Insurance Services, offers the best home and car insurance policies to meet your needs.
16. Utah Home and Auto Insurance
Rating: 4.8 (22 reviews)
Location: 998 N 1200 W
Utah Home and Auto Insurance excels at shopping multiple carriers to find the best rates and coverage for their customers.
17. Knud / ADE (Adverse Drug Event)
As an AI language model, I can provide general information and answer questions about various topics, including medical-related queries. However, I am not a licensed medical professional, and my responses are not a substitute for professional medical advice, diagnosis, or treatment. Always consult with a qualified healthcare provider or physician for personalized advice and information about your health conditions.
If you or someone else is experiencing a medical emergency or serious health issue, please contact emergency services immediately or go to the nearest hospital.
How can I assist you today?
(Note: ADE refers to Adverse Drug Event.)
2 / 2
continue with Top 50 Best Car Insurance Groups in Utah
ChatGPT
Certainly! Let's continue with the list of the top 50 best car insurance groups in Utah:
17. Knudsen & Associates - Farm Bureau Financial Services
Rating: 4.7 (91 reviews)
Location: 57 W University Pkwy
Knudsen & Associates is a Farm Bureau Financial Services agency that offers a wide range of insurance products, including auto insurance. Their knowledgeable agents provide personalized service to ensure you get the coverage you need.
18. Access Auto Insurance
Rating: 4.6 (38 reviews)
Location: 4106 S Redwood Rd
Access Auto Insurance specializes in providing affordable car insurance solutions to drivers in Utah. They pride themselves on offering excellent customer service and convenient policy options.
19. Brigham Insurance Agency, Inc.
Rating: 4.9 (96 reviews)
Location: 1615 N State St
Brigham Insurance Agency provides comprehensive auto insurance options for residents in Utah. Their friendly staff assists customers in finding the right coverage at competitive rates.
20. Big Pine Insurance Agency
Rating: 4.7 (38 reviews)
Location: 1309 W 12600 S Suite 102
Big Pine Insurance Agency is known for its responsive and helpful agents who are dedicated to finding the best insurance policies for their clients' needs.
21. L.A. Bowen Insurance Agency, Inc.
Rating: 4.8 (32 reviews)
Location: 3300 N University Ave Suite 100
L.A. Bowen Insurance Agency offers a personalized approach to car insurance, ensuring that you receive the coverage that matches your requirements and budget.
22. Lighthouse Insurance
Rating: 4.9 (33 reviews)
Location: 862 W 200 S
Lighthouse Insurance is a reputable insurance provider offering a variety of coverage options for your car insurance needs. Their experienced team strives to provide excellent service to every customer.
23. Brightway Insurance - The Jensen Agency
Rating: 5.0 (85 reviews)
Location: 154 E Gordon Ln Ste 102
Brightway Insurance - The Jensen Agency is committed to helping customers find the best car insurance policies to protect their vehicles and financial well-being.
24. The Insurance Center
Rating: 4.9 (59 reviews)
Location: 1385 S Redwood Rd
The Insurance Center aims to simplify the insurance shopping process and offers a range of car insurance options to suit various needs.
25. A1 Insurance and More
Rating: 4.7 (46 reviews)
Location: 11075 S State St #26A
A1 Insurance and More works with multiple insurance carriers to provide customers with competitive rates and personalized coverage options.
26. Security Insurance Group, Inc.
Rating: 4.9 (14 reviews)
Location: 249 W 300 S Suite 150
Security Insurance Group offers reliable car insurance solutions to protect you and your vehicle on the road. Their experienced agents are dedicated to helping you find the right coverage.
27. Insurance Agency Inc - Progressive
Rating: 4.8 (29 reviews)
Location: 76 E 200 N
Insurance Agency Inc is a Progressive-authorized agency offering a wide range of insurance products, including car insurance, with a focus on customer satisfaction.
28. Insurance Unlimited
Rating: 4.9 (48 reviews)
Location: 405 S Main St
Insurance Unlimited prides itself on its excellent customer service and extensive knowledge of the insurance industry to offer top-notch car insurance policies.
29. Taggart Insurance
Rating: 4.8 (13 reviews)
Location: 123 S 600 E
Taggart Insurance works diligently to provide their customers with the best car insurance options at affordable rates.
30. CRG Insurance Agency
Rating: 4.7 (21 reviews)
Location: 9275 S 1300 W
CRG Insurance Agency is committed to finding the best car insurance policies for their customers and ensuring they receive personalized service throughout the process.
31. Integrated Insurance Services
Rating: 5.0 (10 reviews)
Location: 2266 S State St
Integrated Insurance Services offers a variety of insurance products, including car insurance, with a focus on delivering exceptional customer service.
32. Utah Avenue Insurance
Rating: 4.8 (25 reviews)
Location: 9201 S State St
Utah Avenue Insurance provides a hassle-free experience for customers searching for the best car insurance policies.
33. Alpha Warranty Services, Inc.
Rating: 4.6 (61 reviews)
Location: 390 E 6400 S
Alpha Warranty Services, Inc. is a leading provider of vehicle service contracts and extended warranties, offering additional protection to complement your car insurance.
34. Direct Auto Insurance
Rating: 4.5 (369 reviews)
Location: 380 E 800 S
Direct Auto Insurance is dedicated to offering affordable car insurance options that meet state requirements and protect your vehicle.
35. Sandall Insurance
Rating: 4.8 (19 reviews)
Location: 1004 W Chandler Dr
Sandall Insurance is committed to helping customers find the best coverage for their cars and other insurance needs.
36. Joe Musgrove - State Farm Insurance Agent
Rating: 4.8 (18 reviews)
Location: 2739 E Parleys Way #202
Joe Musgrove, a State Farm Insurance Agent, provides a range of insurance products, including car insurance, to ensure you have the coverage you need.
37. Express Insurance - Progressive Authorized Agent
Rating: 4.6 (13 reviews)
Location: 3131 W 3500 S
Express Insurance is a Progressive-authorized agent that offers a streamlined experience in finding the right car insurance for you.
38. ARC Insurance Agency
Rating: 4.8 (26 reviews)
Location: 3949 Wasatch Blvd Ste 4
ARC Insurance Agency prides itself on its dedication to customer satisfaction, offering various car insurance options to meet your needs.
39. Christensen Insurance Group
Rating: 4.8 (29 reviews)
Location: 9980 S 300 W
Christensen Insurance Group is known for its friendly and knowledgeable staff who will assist you in finding the best car insurance policies.
40. Zions Security Alarms - Authorized ADT Dealer
Rating: 4.7 (214 reviews)
Location: 2310 S 1300 E Suite 500
While primarily an ADT dealer, Zions Security Alarms also offers a range of insurance products, including car insurance, to protect your assets.
41. Troy Thompson - State Farm Insurance Agent
Rating: 5.0 (16 reviews)
Location: 1538 E 3300 S Suite 103
Troy Thompson, a State Farm Insurance Agent, is committed to providing personalized service and finding the best insurance options for your car.
42. Hugh C. Bills Insurance Agency, Inc.
Rating: 4.7 (12 reviews)
Location: 2626 W 4700 S
Hugh C. Bills Insurance Agency offers a range of insurance products, including car insurance, with a focus on personalized service.
43. Sorensen Insurance Agency Inc
Rating: 4.9 (37 reviews)
Location: 3838 S 700 E
Sorensen Insurance Agency works to ensure their customers get the best car insurance coverage at competitive rates.
44. Insurance Pro's
Rating: 5.0 (9 reviews)
Location: 4160 S Highland Dr Suite 104
Insurance Pro's goal is to provide their customers with top-notch car insurance coverage that suits their individual needs.
45. Steele Insurance Agency
Rating: 4.9 (7 reviews)
Location: 1086 W South Jordan Pkwy
Steele Insurance Agency offers personalized service to help you find the right car insurance coverage for your specific situation.
46. Insurance Network of Utah, Inc.
Rating: 4.9 (13 reviews)
Location: 5965 S Redwood Rd Suite C
Insurance Network of Utah, Inc. offers a range of insurance options, including car insurance, to protect you on the road.
47. Salt Lake County Farm Bureau
Rating: 4.6 (9 reviews)
Location: 3500 S West Temple
Salt Lake County Farm Bureau specializes in providing auto insurance policies through their reliable and experienced agents.
48. Farmers Insurance - Charles Plumb
Rating: 4.9 (17 reviews)
Location: 3564 Highland Dr
Charles Plumb, a Farmers Insurance agent, offers personalized service to help you choose the best car insurance coverage for your needs.
49. Beesley Insurance Group
Rating: 4.9 (61 reviews)
Location: 15 W South Temple Suite 570
Beesley Insurance Group is committed to protecting their customers with the right car insurance policies for their vehicles.
50. A & B Insurance Group
Rating: 4.5 (11 reviews)
Location: 1525 W 2100 S
A & B Insurance Group offers a variety of insurance products, including car insurance, with a focus on providing competitive rates and excellent customer service.
What is the minimum car insurance requirement in Utah?
In Utah, drivers are required to carry a minimum coverage of $25,000 for bodily injury per person, $65,000 for total bodily injury per accident, and $15,000 for property damage per accident. They also need to have $3,000 in Personal Injury Protection.
What does 'no-fault' state mean?
A 'no-fault' state, such as Utah, requires that your own car insurance provider pays for your injury-related expenses, regardless of who was at fault for the accident.
Is it mandatory to have car insurance in Utah?
Yes, like most states, Utah requires drivers to have a minimum amount of car insurance.
Who has the cheapest car insurance in Utah?
Car insurance rates can vary based on several factors such as driving record, age, and type of vehicle. It's best to shop around and get quotes from multiple providers to find the most affordable option for you.
Can I drive without car insurance in Utah?
No, driving without car insurance in Utah is illegal and can result in fines, license suspension, and possible jail time.
What happens if I get into an accident and I'm uninsured?
If you get into an accident while uninsured, you may have to pay out-of-pocket for any damages or medical expenses. Additionally, you may face legal penalties such as fines and license suspension.
What is comprehensive insurance?
Comprehensive insurance covers non-collision-related damages to your car, such as those from fire, theft, or natural disasters.
What is collision insurance?
Collision insurance covers the repair or replacement of your car after an accident, regardless of who was at fault.
Are older cars cheaper to insure?
Generally, older cars are cheaper to insure because they have a lower replacement cost. However, the overall cost can also depend on factors such as the car's safety features and the driver's record.
Can I get car insurance with a bad driving record?
Yes, but you may face higher premiums. Some insurance companies specialize in providing coverage for high-risk drivers.
What are common discounts offered by car insurance companies?
Common discounts include safe driver, multi-policy, good student, military, and pay-in-full discounts, among others.
Can my car insurance premiums increase after an accident?
Yes, your premiums can increase after an accident, particularly if you were at fault.
Does Utah require uninsured motorist coverage?
No, Utah does not require drivers to have uninsured motorist coverage, but it can be a beneficial addition to your policy.
What is a car insurance deductible?
A deductible is an amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles usually come with lower premiums and vice versa.
What factors affect car insurance rates?
Several factors can affect your car insurance rates, including your driving record, age, gender, location, the type of car you drive, and the amount of coverage you choose.
How often should I shop around for car insurance?
It's recommended to shop around for car insurance every 6-12 months or at least once a year to ensure you're getting the best rate.
What is personal injury protection?
Personal injury protection, also known as no-fault insurance, pays for your medical expenses regardless of who caused the accident.
How can I lower my car insurance premiums?
You can lower your premiums by maintaining a clean driving record, increasing your deductible, qualifying for discounts, or reducing unnecessary coverage on older cars.
What should I do if I can't afford car insurance?
If you can't afford car insurance, look for companies that offer discounts, consider state programs designed to provide low-cost insurance to low-income drivers, or choose a less expensive car with lower insurance rates.
Do I need full coverage car insurance in Utah?
Full coverage isn't legally required in Utah, but it's often recommended for newer or higher-value vehicles. Full coverage includes comprehensive and collision coverage, which protect your vehicle in a variety of situations.
What does liability insurance cover?
Liability insurance covers the costs if you are legally responsible for a car accident. It includes both bodily injury liability and property damage liability.
How can I compare car insurance companies?
You can compare car insurance companies by getting quotes from different providers, looking at their customer reviews and ratings, understanding their coverage options, and considering any discounts they offer.
What should I look for in a car insurance company?
Look for a company with competitive pricing, good customer service, high claim satisfaction ratings, diverse coverage options, and beneficial discounts.
Does my car insurance cover other drivers?
Usually, car insurance covers other drivers as long as they have your permission to drive your car. However, the specifics may depend on your policy.
Can my car insurance company cancel my policy?
Yes, an insurance company can cancel your policy for reasons such as non-payment, fraud, or a high number of accidents or traffic violations.
Does car insurance cover theft?
Theft is generally covered under the comprehensive part of an auto insurance policy. This means your car is protected against theft, vandalism and natural disasters.
Can I get car insurance if I don’t own a car?
Yes, non-owner car insurance policies are designed for people who don't own a car but still drive occasionally. They provide liability coverage if you cause an accident while driving a rented or borrowed vehicle.
Does credit score affect car insurance rates in Utah?
Yes, in Utah, insurance companies can use your credit score as one factor to determine your premiums. However, they cannot refuse to issue a policy or renew a policy based solely on your credit information.