Cheapest Car Insurance In Utah – Before you hit the road in Utah, you’ll want to make sure you’re covered in case of an accident. If you’ve taken out a loan or lease on your car, you may want to consider adding gap insurance for an extra layer of protection.
So you’ve decided you need gap insurance in Utah. But where to get such a policy? On average, rental car drivers pay $199 per month for car insurance. Below are a few auto insurance companies with the best auto insurance rates in the state.
Cheapest Car Insurance In Utah
The rates below are taken from our proprietary database of millions of unique car insurance quotes and represent the average monthly cost of car insurance for rental car drivers.
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Several other major insurance companies offer affordable insurance policies, and you can learn more about the difference in this complete insurance guide. Progressive, Allstat and Liberty Mutual are some of the heavyweights helping drivers with auto insurance.
Before you decide which insurer you want to work with, compare insurance quotes from different companies for free and in a few minutes.
When you drive a new car off the lot, it’s “used,” meaning its cash value has decreased. Term insurance is the “difference” between the actual cash value of your car and what you owe on your car loan. If your car is wrecked or stolen, the insurance covers the difference between your insurance and what you still owe the bank.
Your lender may claim the difference as an additional level of car insurance in your finance agreement. This is particularly useful for new cars described by one of the four Ls: lease, loan, luxury or long-haul. Additional coverage can be purchased from an insurance broker or through a waiver agreement with a finance company.
Cheapest Car Insurance For Bad Credit (2023)
There are several times when Utah drivers need gap insurance. The most obvious is that if you work with a lender that requires it, you should buy it. You may also want to consider purchasing vacancy insurance if you have a long lease (over 60 months) or a down payment (up to 20 percent).
Your credit structure and credit balance aren’t the only factors – the type of driver you drive is also important. If you’re a long-distance driver who always heads to Zion National Park or Bryce Canyon on the weekends, you should insure the difference. The same can be said if you are driving a fancy car; they experience depreciation at a faster rate.
Liability insurance is considered a form of supplemental coverage in the United States and may be called “loan/rental coverage” in the state. This is a recommended add-on for drivers whose cars are more expensive.
In Utah, auto insurance limits are $25,000 for bodily injury coverage, $65,000 for personal injury coverage per accident, and $15,000 per accident for property coverage. This is roughly the standard, and in the event of an accident it may be a good idea to drive more than these limits. Additionally, gap insurance may need to be added to these requirements.
Cheap Car Insurance In Utah For 2023
How much insurance you’ll need depends on the car you’re driving and the nature of the rental agreement. If the cash value of your car is low but the loan amount is high, you will need a reliable insurance policy. Once you pay off the loan or the value of the loan is close to the value of the car, you can cancel the policy. This can take up to two years.
Accident insurance is considered an add-on to your existing auto insurance policy. This can be a form of GAP (guaranteed asset protection) waiver, which is a contract that agrees to waive the driver’s principal loan in the event of a total loss or theft of the vehicle. They can be purchased from a dealership or insurance company that is licensed to sell such waivers.
The Department of Auto Insurance recommends that drivers read and understand the GAP waiver carefully and ask for a copy of the signed agreement before purchasing. For more questions about gap insurance in Utah, contact the Property and Casualty Division of the Utah Department of Insurance.
Buying breakdown cover through your insurance company is cheaper than buying it through a car dealership. Gap insurance through an insurance company will usually cost around $5 a month. Meanwhile, a dealership will charge about $50 a month – quite a difference.
How A Speeding Ticket Impacts Your Insurance In Utah
There are also some other companies that offer different insurance policies but they cost the same. It’s generally a good idea to buy your breakdown cover from the same company you bought your primary car insurance policy from.
If you are a driver in Utah and don’t want to pay too much for your car insurance, you should use it to compare quotes. This way you can check just the policy you need and see how much you’ll pay if you add gap insurance to your policy. The site’s user-friendly interface makes it easy to find the right policy at the right price.
Researchers analyzed more than 90 million auto insurance application service quotes to calculate the average premium shown on this page. These premiums are actual quotes from 50+ partner insurance companies in all 50 states and Washington State.
Unless otherwise noted, the rates shown are average rates for drivers between the ages of 20 and 70 who have a good driving record and average or better credit (600 or better).
Cheapest Car Insurance Companies And Rates (september 2023)
Allstate, Farmers, GEICO, State Farm, USAA quotes are estimates based on the Quadrant Information Services auto insurance rate database.
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The cheapest auto insurance rates in Utah are $38 per month ($451 per year) for USAA liability coverage and $94 per month ($1,129 per year) for Geico comprehensive coverage.
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Here at Guides, we’ve looked at the cheapest auto insurance options in Utah. We’ve taken a detailed look at the best auto insurance companies and the cheapest auto insurance companies in the state, comparing rates, coverage, prices and quotes. Below you will find a list of recommended providers with ratings for different driver profiles and basic information about Utah insurance laws and regulations.
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Our team of guides are ready to provide you with reliable information to help you make the best car insurance decision. Because consumers rely on us to provide objective and accurate information, we’ve created a comprehensive rating system to rank the best auto insurance companies. We collected data on dozens of auto insurance companies to rank the companies by rating factors. After 800 hours of research, the final result is an overall ranking for each provider, with the highest-scoring insurers at the top of the list.
Car insurance rates at Carta are slightly cheaper than nationally. This means you have a good chance of finding great car insurance in Utah at great rates. Below we look at the cheapest auto insurance companies and coverage options in the state