Car Insurance for Good Drivers in Utah

The Zebra
July 15, 2019

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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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 CompanyAvg. 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

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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 CompanyAvg. 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

Start your search today — compare rates now!

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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.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. 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!

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