Find affordable car insurance with bad credit by comparing rates.
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.
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.
|Credit Tier||Average Annual Rate in Utah|
|Below Fair to Poor||$1,942|
|Average — All Credit Tiers||$1,112|
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.
|City||Average Annual Rate — Worst Credit||Average Annual Rate — Poor Credit||Average 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|
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.
|Company||Average Annual Rate — Worst Credit Tier|
|Bear River Mutual Company||$893|
If you're having a hard time buying auto insurance with a bad credit history, consider these tips: