Cheapest car insurance for high-risk drivers in Utah

Which company has the cheapest car insurance in Utah for a bad driving record?

Nationwide offers the cheapest average car insurance rate for high-risk drivers in Utah at $1,802 a year. Progressive and State Farm also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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

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How much is high-risk car insurance in Utah?

Progressive has the cheapest average DUI insurance rates in Utah at $2,098 per year. Drivers with a DUI often see some of the largest premium increases because insurers consider a bad driving record a major risk factor.

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.

Average annual car insurance rate for At-fault bodily injury accident in Utah, UT is $2,926

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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

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Average annual rate

People ask

Who is considered a high-risk driver in Utah?

Drivers in Utah are considered high-risk if they have a DUI, multiple speeding tickets, at-fault accidents, reckless driving convictions, insurance lapses, an SR-22 requirement or a poor driving history. Teen drivers and new drivers also often pay higher premiums. Insurance companies use different rating formulas, so classifications vary by insurer.

What company offers the cheapest car insurance in Utah after a DUI?

Progressive has the cheapest average DUI insurance rates in Utah at $2,098 annually.

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

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What is the cheapest car insurance in Utah with multiple tickets?

Nationwide offers the lowest average rates for drivers with multiple traffic tickets at $1,370 annually or $114 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your 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

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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Utah?

State Farm provides the cheapest average reckless driving insurance rates in Utah at $2,320 per year.

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

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Utah?

Nationwide offers the lowest average car insurance rates in Utah for drivers with bad credit, at $1,609 per year or $134 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

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

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What company has the cheapest car insurance in Utah after an accident?

Nationwide has the cheapest average post-accident insurance rates in Utah at $1,984 per year. Auto-Owners also offers below-average rates after an at-fault crash.

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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Utah?

Hurricane has the cheapest average high-risk car insurance rates in Utah at $2,533 per year. In comparison, drivers in South Salt Lake pay the highest average rates at $3,147 annually.

Where you live in Utah also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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

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How can high-risk drivers lower their car insurance rates in Utah?

Even if you're considered a high-risk driver, there are still several ways to lower your insurance premiums in Utah, including shopping around, taking a defensive driving course and avoiding further infractions.

You may be able to save money by:

Carefully consider filing claims. Covering minor damage out of pocket can be less expensive than filing an insurance claim, which might raise your premiums for years.
Avoid costly infractions. Practice safe driving to prevent additional traffic violations on your record. Tickets typically impact your insurance rates for only a few years, and your premiums may decrease if no new violations occur during that time.
Improve your credit score. Improving your credit score can lower your car insurance premiums. Paying bills on time and managing your credit utilization responsibly will help raise your score.
Take a defensive driving course. Many insurers offer discounts for completing the course, and certain states will even remove points from your driver's license once you complete it.
Shop around for coverage. Each car insurance company evaluates factors differently and sets its own rates. Comparing quotes can help you find the lowest price.

People ask

How long are you considered a high-risk driver in Utah?

Three years is common, but how long you are considered a high-risk driver in Utahdepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Utah's insurance requirements for high-risk drivers?

If you're a high-risk driver in Utah, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Utah

Can high-risk drivers get full coverage car insurance in Utah?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Utah?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.