Cheapest car insurance for high-risk drivers in Utah

Cheapest car insurance in Utah for a bad driving record

Nationwide, Progressive, State Farm provides affordable car insurance for high-risk drivers with bad driving record in Utah.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll 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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Utah, high-risk car insurance costs $2,746 per year. However, you can get rates as low as $1,802 annually 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.

Read on as we explain high-risk car insurance factors and rates below.

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 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

Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $2,098 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Utah for drivers with a clean record versus those with a DUI.

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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Cheapest car insurance in Utah with multiple tickets

For drivers with multiple tickets, Nationwide offers the lowest premiums, averaging $1,370 per year or $114 per month.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Utah how much having multiple tickets can raise their insurance 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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Cheapest car insurance in Utah with a reckless driving conviction

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $2,320 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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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Cheapest car insurance in Utah with bad credit

In Utah, Nationwide provides the lowest premiums for drivers with poor credit, averaging $1,609 per year or $134 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Utah.

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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Cheapest car insurance after an accident in Utah

Nationwide has the lowest average rates after an accident at $1,984 a year. Auto-Owners also offers affordable rates, averaging $2,453 per year.

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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Cheapest car insurance in Utah by city

In Utah, the lowest car insurance rates are found in Hurricane, averaging $2,533 annually. On the other hand, South Salt Lake has the highest rates at $3,147 a year.

Where you live in Utah matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood 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

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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:

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.

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 are considered a high-risk driver in California depends 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.

Utah car insurance laws for high-risk drivers

If you're a high-risk driver in Utah, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage 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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.