Cheapest car insurance for high-risk drivers in Utah
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Utah is Geico, followed by Nationwide and Progressive.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,585 | $132 |
| Nationwide | $1,848 | $154 |
| Progressive | $2,103 | $175 |
| American Family | $2,465 | $205 |
| State Farm | $2,467 | $206 |
| Auto-Owners | $2,541 | $212 |
| Allstate | $2,701 | $225 |
| Farmers | $2,902 | $242 |
| Kemper Insurance | $3,173 | $264 |
| USAA | $1,510 | $126 |
Average rates for high-risk drivers in Utah by driving record
Average cost of car insurance in Utah for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,464 |
| Geico | $1,529 |
| American Family | $1,715 |
| State Farm | $2,024 |
| Nationwide | $2,034 |
| Auto-Owners | $2,100 |
| Farmers | $2,926 |
| Allstate | $2,969 |
| Progressive | $3,028 |
| Kemper Insurance | $3,938 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Utah for a driver with a DUI is Geico with an average annual of $1,746 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,746 | $146 |
| Progressive | $1,806 | $151 |
| State Farm | $1,864 | $155 |
| American Family | $2,210 | $184 |
| Nationwide | $2,605 | $217 |
| Farmers | $2,809 | $234 |
| Allstate | $2,841 | $237 |
| Kemper Insurance | $2,869 | $239 |
| Auto-Owners | $3,461 | $288 |
| USAA | $1,810 | $151 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Utah, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,411 per year or $118 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,411 | $118 |
| Geico | $1,509 | $126 |
| Auto-Owners | $1,569 | $131 |
| State Farm | $1,864 | $155 |
| Progressive | $1,984 | $165 |
| American Family | $2,210 | $184 |
| Allstate | $2,316 | $193 |
| Farmers | $2,685 | $224 |
| Kemper Insurance | $3,239 | $270 |
| USAA | $1,224 | $102 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Utah, Geico offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,763 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,763 | $147 |
| State Farm | $1,864 | $155 |
| Progressive | $2,210 | $184 |
| Nationwide | $2,605 | $217 |
| Allstate | $2,841 | $237 |
| American Family | $2,910 | $243 |
| Kemper Insurance | $3,156 | $263 |
| Farmers | $3,229 | $269 |
| Auto-Owners | $3,461 | $288 |
| USAA | $1,454 | $121 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Utah is Geico with an average annual cost of $1,476 or $123 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,476 | $123 |
| Nationwide | $1,647 | $137 |
| Progressive | $2,655 | $221 |
| American Family | $3,041 | $253 |
| Kemper Insurance | $3,295 | $275 |
| Farmers | $3,324 | $277 |
| Allstate | $3,576 | $298 |
| Auto-Owners | $3,620 | $302 |
| State Farm | $5,484 | $457 |
| USAA | $2,121 | $177 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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