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.

CompanyAverage annual premium for clean recordAnnual 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.

Utah
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Utah, UT is $2,926
Show Graph View
CompanyAnnual premium for clean recordAnnual 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
Average annual rate

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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAverage annual premium for clean recordAnnual 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.

CompanyAnnual premium for good creditAnnual 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.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual 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.

CityAverage annual premium for clean recordAnnual 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.

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