Utah Auto Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find cheap auto insurance with bad credit. Auto insurance companies use credit score as a primary rating factor, pricing policies based in part on clients' credit histories. Because car insurers rely on historical data showing those with bad credit histories are more apt to file car insurance claims, they account for for that added risk by charging more expensive rates.

Car insurance rates with bad credit depends on where you live, which insurance company you use, and a variety of other factors. We've gathered on this page average insurance prices for drivers with bad credit in primary Utah cities, alongside rates from popular auto insurance companies, followed by tips on how to save on car insurance if you have bad credit in Utah.


Car insurance for drivers with poor credit in Utah:

  1. Average rates
  2. Prices by city
  3. Rates by carrier

Auto insurance rates with bad credit in Utah

Utah drivers face a penalty of $1,228 annually for having a credit score in the “worst” tier. Drivers in the "poor" or "below fair to poor" credit tiers will also pay above-average rates for a car insurance policy.


UTAH CAR INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in Utah
Worst$2,340
Poor$2,105
Below Fair to Poor$1,942
Average — All Credit Tiers$1,112

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Car insurance rates with a bad credit score in Utah cities

Car insurance rates can also fluctuate based on the specific area where you park your car. Car insurance companies use your address to estimate how likely you are to file an insurance claim: the denser and claim-prone your immediate area is, the more expensive rates you’ll pay.

Listed below are major Utah cities and their average auto insurance rates for drivers with bad credit.


BAD CREDIT CAR INSURANCE RATES IN UTAH CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Salt Lake City$2,754$2,476$2,285
West Valley City$2,832$2,548$2,349
Provo$2,521$2,268$2,090
West Jordan$2,652$2,386$2,198
Orem$2,550$2,296$2,117

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Best car insurance companies for bad credit in Utah

Another factor that contributes to your car insurance rate is the company you choose. Every car insurance company rates its policies differently, giving rating factors varying weights in their pricing calculations. Credit can be a primary pricing differentiator from one insurance company to the next. In Utah, the cheapest insurance company for a driver with bad credit is Bear River Mutual Company, which offers savings of $845 per year over the second-cheapest company, American Family.

See below prices from popular car insurance companies in Utah for drivers with bad credit.


UTAH CAR INSURANCE PREMIUMS WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit Tier
Bear River Mutual Company$893
American Family$1,738
Farm Bureau$1,842
GEICO$1,941
Allstate$2,385

If you're having a hard time buying auto insurance with a bad credit history, consider these tips:

  1. See auto insurance quotes
  2. Know when to file a claim
  3. Know what goes into car insurance rates

Compare rates from top car insurance companies.

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