Auto insurance for low-risk drivers in Utah
Some of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are typical rating factors over which you don’t have much say. But there are a few factors you can control if you're looking for affordable rates.
To find affordable car insurance, consider keeping your driving record squeaky clean, your credit score solid, and your monthly mileage low. Insurers provide price cuts to drivers who present little risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.
Looking for car insurance as a low-risk driver in Utah? Get started by checking out some sample rates below!
Car insurance for citation-free drivers in Utah
One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Insurers view good drivers as less risky customers and assign them more affordable rates. If you remain on the right side of the law, you could enjoy lower auto insurance rates.
If you’ve steered clear of violations in recent years, start your insurance search with Bear River, with average annual premiums totaling $718. That sums to $1,109less than the average car insurance rate for citation-free drivers in Utah.
CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN UTAH
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Bear River | $718 |
| Farm Bureau Mutual (IA Group) | $889 |
| Allied | $1,088 |
| Nationwide | $1,301 |
| GEICO | $1,311 |
| State Farm | $1,346 |
| American Family | $1,389 |
| Unigard | $1,393 |
Car insurance rates for drivers with above-average credit in Utah
Auto insurance companies reward clients who maintain a solid credit profile. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.
If you have a "good" credit score (670-739), your best auto insurance option in Utah could be Bear River, offering an average annual rate of $718. If your credit score is in the “excellent” range, Bear River could be a good company with which to start your search. Bear River's prices for clients who have "excellent" credit average are $269 per year less than the typical car insurance rate for drivers with exceptional credit in Utah.
Find below a breakdown of auto insurance rates in Utah for drivers with good, very good, and excellent credit scores.
CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN UTAH
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Bear River | $718 |
| Farm Bureau Mutual (IA Group) | $889 |
| Allied | $1,088 |
| Nationwide | $1,301 |
| GEICO | $1,311 |
| State Farm | $1,346 |
| American Family | $1,389 |
| Unigard | $1,393 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN UTAH
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Bear River | $702 |
| Farm Bureau Mutual (IA Group) | $868 |
| Allied | $1,026 |
| State Farm | $1,099 |
| Progressive | $1,218 |
| GEICO | $1,221 |
| Nationwide | $1,228 |
| American Family | $1,309 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN UTAH
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Bear River | $686 |
| Farm Bureau Mutual (IA Group) | $818 |
| State Farm | $879 |
| Allied | $964 |
| Progressive | $1,043 |
| GEICO | $1,106 |
| Nationwide | $1,142 |
| American Family | $1,228 |
Auto insurance for low-mileage drivers in Utah
The fewer miles you drive, the less likely you are to be involved in a collision. That’s the logic auto insurance companies use to charge infrequent drivers less. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. Just how much you save by reducing your mileage depends on your insurance company’s pricing practices.
If you're a Utah driver who drives only infrequently, consider Bear River, offering average annual savings of $1,109 for low-mileage clients.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN UTAH
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Bear River | $718 |
| Farm Bureau Mutual (IA Group) | $843 |
| Allied | $1,088 |
| GEICO | $1,176 |
| State Farm | $1,215 |
| American Family | $1,299 |
| Nationwide | $1,301 |
| Unigard | $1,393 |
Insurance rates for good drivers in Utah — by city
Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurers price policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.
Find below a breakdown of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Ogden | $1,287 | $1,287 | $1,104 | $937 | $1,094 |
| Provo | $1,399 | $1,399 | $1,197 | $1,010 | $1,167 |
| Salt Lake city | $1,406 | $1,406 | $1,205 | $1,020 | $1,194 |
| Orem | $1,421 | $1,421 | $1,217 | $1,029 | $1,195 |
| Millcreek | $1,446 | $1,446 | $1,238 | $1,047 | $1,221 |
Find an affordable policy today!
