- Cheapest car insurance in Utah for a bad driving record
- How much is high-risk car insurance in Utah?
- Cheapest car insurance in Utah with a DUI
- Cheapest car insurance in Utah with multiple tickets
- Cheapest car insurance in Utah with a reckless driving conviction
- Cheapest car insurance in Utah with bad credit
- Cheapest car insurance after an accident in Utah
- Cheapest car insurance in Utah by city
- How to reduce car insurance rates in Utah for a bad driving record
- Utah car insurance laws for high-risk drivers
- Compare Utah high-risk driver car insurance rates with other states
Cheapest car insurance in Utah for a bad driving record
Nationwide, Progressive, State Farm offers affordable car insurance for high-risk drivers with bad driving record in Utah.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Nationwide | $1,135 | $1,802 |
| Progressive | $1,845 | $2,496 |
| State Farm | $2,175 | $2,667 |
| GEICO | $1,325 | $2,674 |
| Auto-Owners | $1,393 | $2,958 |
| Allstate | $2,279 | $2,970 |
| Farmers | $2,638 | $4,427 |
| USAA | $1,237 | $1,975 |
How much is high-risk car insurance in Utah?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $2,746 in Utah, you can find rates as low as $1,802 from Nationwide.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| USAA | $1,237 | $1,909 |
| Nationwide | $1,135 | $1,984 |
| Auto-Owners | $1,393 | $2,453 |
| State Farm | $2,175 | $2,523 |
| GEICO | $1,325 | $2,604 |
| Progressive | $1,845 | $2,838 |
| Allstate | $2,279 | $3,225 |
| Farmers | $2,638 | $5,035 |
PEOPLE ASK:
Who is considered high-risk for insurance in Utah?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
Cheapest car insurance in Utah with a DUI
While many insurers offer coverage after a DUI, Progressive has the lowest rate at $2,098.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Utah.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| Progressive | $1,845 | $2,098 |
| State Farm | $2,175 | $2,320 |
| Nationwide | $1,135 | $2,547 |
| GEICO | $1,325 | $2,744 |
| Allstate | $2,279 | $3,067 |
| Auto-Owners | $1,393 | $3,682 |
| Farmers | $2,638 | $5,258 |
| USAA | $1,237 | $2,380 |
Cheapest car insurance in Utah with multiple tickets
Nationwide is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,370 or $114.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.
This table shows Utah drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Nationwide | $1,135 | $1,370 |
| Auto-Owners | $1,393 | $1,794 |
| State Farm | $2,175 | $2,320 |
| Progressive | $1,845 | $2,380 |
| Allstate | $2,279 | $2,526 |
| GEICO | $1,325 | $2,588 |
| Farmers | $2,638 | $3,637 |
| USAA | $1,237 | $1,592 |
Cheapest car insurance in Utah with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $2,320.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $2,175 | $2,320 |
| Nationwide | $1,135 | $2,547 |
| Progressive | $1,845 | $2,597 |
| GEICO | $1,325 | $3,038 |
| Allstate | $2,279 | $3,067 |
| Auto-Owners | $1,393 | $3,682 |
| Farmers | $2,638 | $5,481 |
| USAA | $1,237 | $1,903 |
Cheapest car insurance in Utah with bad credit
Based on our research, Nationwide is the cheapest car insurance company for drivers with poor credit, averaging $1,609 or $134. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Utah car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Nationwide | $1,135 | $1,609 |
| GEICO | $1,325 | $2,503 |
| Progressive | $1,845 | $3,146 |
| Auto-Owners | $1,393 | $3,840 |
| Allstate | $2,279 | $4,109 |
| State Farm | $2,175 | $4,408 |
| Farmers | $2,638 | $4,912 |
| USAA | $1,237 | $2,793 |
Cheapest car insurance after an accident in Utah
Nationwide and Auto-Owners have the lowest car insurance rates after an accident at $1,984 and $2,453, respectively.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Nationwide | $1,135 | $1,984 | $2,694 |
| Auto-Owners | $1,393 | $2,453 | $4,810 |
| State Farm | $2,175 | $2,523 | $2,523 |
| GEICO | $1,325 | $2,604 | $4,279 |
| Progressive | $1,845 | $2,838 | $3,947 |
| Allstate | $2,279 | $3,225 | $4,049 |
| Farmers | $2,638 | $4,862 | $8,419 |
| USAA | $1,237 | $1,909 | $3,543 |
Cheapest car insurance in Utah by city
Hurricane has the cheapest car insurance rates in Utah at $2,533. But the most expensive city is South Salt Lake with rates of $3,147.
Your location in Utah also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Hurricane | $1,680 | $2,533 |
| Mendon | $1,730 | $2,605 |
| Beaver | $1,760 | $2,658 |
| Bountiful | $1,814 | $2,729 |
| Randolph | $1,869 | $2,793 |
| Heber | $1,912 | $2,869 |
| Ogden | $1,909 | $2,870 |
| Midvale | $1,994 | $3,012 |
| Salt Lake City | $2,038 | $3,066 |
| South Salt Lake | $2,092 | $3,147 |
How to reduce car insurance rates in Utah for a bad driving record
Finding affordable car insurance in Utah is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Utah?
Three years is common, but how long you're seen as a high-risk driver in Utah depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Utah car insurance laws for high-risk drivers
If you're considered a high-risk driver in Utah, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Compare Utah high-risk driver car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Utah car insurance laws and requirements: What is changing in 2025
- Utah DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Utah
- SR-22 insurance in Utah
- Non-owner car insurance in Utah: Best and cheapest companies
- Utah gap insurance: Everything you need to know
- Low-income car insurance in Utah: What you need to know
- Utah car insurance guide
- Utah car insurance coverage calculator
- Cheapest home and auto insurance bundle in Utah
