Cheapest Low-Income Car Insurance In Utah 2024
Utah doesn’t have a state-backed car insurance program for low-income drivers. However, affordable auto insurance can be found with State Farm for $60 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Utah does not offer any government car insurance programs for low-income families or individuals. However, drivers can still find a cheap policy with State farm, for $60 per month.
After 15 years as an insurance agent and over 35 years of buying car insurance, I know the reviewed companies in this guide well, having been a customer of several. They’re all respected, but each brings something unique to Utah drivers.
Cheapest Low-Income Car Insurance in Utah, 2024
Does Utah Have A Government-Sponsored Car Insurance Program For Low Income Families?
Utah does not offer a government-supported car insurance program for low-income households. However, having car insurance is mandatory for the legal registration and operation of vehicles in Utah.
Minimum Car Insurance Requirements In Utah
In Utah, drivers must carry car insurance by law to cover accident costs, with the minimum requirement known as 25/65/15 coverage.
This implies that every policy must contain at least:
$25,000 in bodily injury coverage per person: This is the maximum amount that an insurance company will pay for the medical costs of a single person injured in an accident for which you are responsible.
$65,000 in bodily injury coverage per accident: This is the total amount your insurer will pay out for all injuries combined if there are multiple victims in an accident you are responsible for.
$15,000 in property damage liability: This coverage helps pay for any damages you cause to someone else’s property, such as their car, as a result of an accident.
In addition to these regulations, drivers in Utah must also have Personal Injury Protection (PIP) coverage of $2,500 unless they opt out.
While these may be the legal minimums, it’s critical to consider whether this level of coverage will truly protect you financially in the event of an accident. If costs go beyond your coverage limits, you could be liable for the remaining balance. Many drivers therefore choose higher coverage limits to ensure full protection.
Full Coverage Options
While the phrase “full coverage” isn’t an official designation in the insurance industry, it generally refers to a combination of policies that provide comprehensive protection against different types of potential damages and losses. This typically includes liability coverage (covering bodily injury and property damage), collision coverage, and comprehensive coverage.
Liability coverage is responsible for covering the expenses related to injuries or property damage you cause to others in an accident. Collision coverage kicks in when your vehicle is damaged due to a collision with another vehicle or object.
Meanwhile, comprehensive coverage safeguards against non-collision incidents such as theft, vandalism, fire, or natural disasters. Overall, full coverage insurance is an all-in-one solution aimed at providing peace of mind whether you are driving or not.
Compare Low-Income Car Insurance In Utah
| Overall Rating | Best Suited For | A.M. Best Rating | J.D. Power Rating | Average Monthly Cost* | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Cheapest Overall |
A++ |
838 |
$72 |
Instant Quote |
| Nationwide |
|
Seniors |
A+ |
NR |
$88 |
Instant Quote |
| GEICO |
|
Poor Credit |
A++ |
801 |
$212 |
Instant Quote |
Cheapest Low-Income Car Insurance Companies In Utah 2024
Best For Poor Credit
Key Statistics
Why We Like Them
⇅GEICO is known as the leading and cheapest car insurance company in Utah for drivers with less-than-perfect credit. Various analyses have repeatedly confirmed that GEICO offers the most budget-friendly rates for individuals struggling with credit issues.
Just because GEICO is budget-friendly doesn’t mean it lacks quality or service. The company is recognized for its extensive coverage options and exceptional customer service, ensuring robust protection for all drivers, regardless of their credit score. This makes GEICO a solid option for Utah drivers with poor credit.
Additionally, GEICO understands that a low credit score doesn’t automatically categorize someone as a high-risk driver. While some insurance companies may raise rates for individuals with poor credit, GEICO uses a more comprehensive assessment that includes factors like driving records and vehicle type.
This detailed evaluation enables GEICO to offer attractive rates to drivers with poor credit, making it a preferred insurance option for numerous Utah drivers.
The relationship between low income and low credit scores can result in some insurance companies charging rates that are double those charged to drivers with excellent credit.
If you have poor credit, finding an insurer that offers discounts and avoiding traffic tickets can help you maintain affordable insurance premiums.
Benefits & Drawbacks
⇅- A variety of coverage options and discounts available
- AM Best gives it a top financial strength rating
- Affordable rates for most Utah drivers with damaged credit ✓
- Digital tools are provided but are not as developed as competitors'
- GEICO has fewer agents in Utah than some larger companies ✘
Cheapest Overall
Key Statistics
Why We Like Them
⇅In the highly competitive Utah car insurance market, State Farm is known for providing the lowest rates.
Our research and analysis of Utah car insurance rates showed that State Farm provides highly affordable full-coverage insurance, starting at $94 per month.
Drivers who want full protection without overspending will find this a key advantage.
While State Farm is known for affordability, it also ranks consistently among the best car insurance providers, offering numerous discounts and coverage plans tailored to various needs.
This mix of cost-effectiveness, flexibility, and full protection gives State Farm a notable edge in Utah, making it an attractive option for those seeking value and quality in car insurance.
It is crucial to find affordable car insurance in Utah to drive without the worry of financial repercussions from damages or liabilities. Moreover, with the high incidence of accidents on Utah roads, having economical car insurance becomes increasingly important.
Keep in mind that affordable insurance can offer great quality as well. Through careful research and informed choices, you can find comprehensive coverage that meets your financial and personal needs without financial strain.
Benefits & Drawbacks
⇅- Affordable pricing for Utah drivers
- Wide range of coverage and discount choices
- Excellent financial rating from AM Best ✓
- Must be purchased from a State Farm agent ✘
Cheapest For Seniors
Key Statistics
Why We Like Them
⇅Seniors in Utah can rely on Nationwide for the best and most affordable car insurance, as confirmed by industry data and positive customer reviews.
The cost-effectiveness of Nationwide in Utah is unmatched by other providers.
Nationwide stands out by offering senior-specific rates that are competitively priced, making it the best choice for older drivers seeking both affordability and comprehensive protection.
Senior drivers may find their insurance rates increasing over time, as insurers frequently classify them as high-risk, just as they do with teens.
Contributing to this perceived risk are slower reflexes, possible health problems that could impair driving, and the greater risk of severe injury in accidents.
The Insurance Institute for Highway Safety reports that fatal crash rates begin to rise sharply at age 70 and peak for drivers aged 85 and up.
Due to this, seniors may experience an increase in premiums to cover the anticipated cost of claims.
Fortunately, many insurance companies have discounts tailored to seniors, helping reduce costs while still providing affordable and thorough coverage.
Benefits & Drawbacks
⇅- High ratings for financial strength
- Auto, life, homeowners, and other insurance options provided
- Comprehensive mobile app for policy management ✓
- Available exclusively through Nationwide agents
- J.D. Power does not assess their customer service ✘
Find Low-Income Car Insurance In Utah
Does Income Affect Car Insurance Rates In Utah?
While it’s often thought that income is a key factor in car insurance rates in Utah, this is not accurate. Insurance companies typically consider a variety of factors, including age, location, driving history, the vehicle you drive, and the level of coverage you choose.
How To Save On Car Insurance Costs In Utah
The car insurance landscape in Utah can be hard to navigate, but by using the right strategies, you can reduce your premiums significantly. Here are three proven tips for Utah drivers looking to save on car insurance costs.
Compare Rates From Different Providers
A great way to save on car insurance is to explore and compare rates from various providers. Insurance companies set their premiums based on multiple factors, such as age, driving record, and location, which can lead to notable differences.
Therefore, take the time to request quotes from different insurers and select the one that offers the best value for your needs and financial situation.
Leverage Discounts
You can often find a variety of discounts with auto insurance companies that help reduce your premiums. These discounts may be for safe driving, bundling policies, being a good student, or having safety features in your vehicle. Be sure to talk to your insurer about what discounts they offer and see which ones you might qualify for.
Adjust Your Coverage And Deductibles
Another method to cut down on your car insurance costs is by adjusting your coverage and deductible amounts. If your car is older, you might want to drop collision and comprehensive coverage since their costs may exceed the vehicle’s worth.
Raising your deductible can also lower your premium, but ensure that it’s a manageable amount in case you need to file a claim.
Car Insurance Discounts For Low-Income Drivers In Utah
Low-income drivers in Utah have access to various discounts that can help reduce their insurance costs. Below are some popular discounts and the potential savings they offer.
| Discount Option | % Discount |
| Education | 16% |
| Multi-policy | 10% |
| Paperless documents | 8% |
| Homeowner | 6% |
| Low annual mileage | 5% |
Car Insurance Rates In Utah – By City
Car insurance premiums in Utah vary significantly by city, influenced by factors such as traffic density, accident rates, and local crime statistics. Here’s a comparison of average annual premiums in several Utah cities:
| City | Average Monthly Premium |
| Salt Lake City | $120 |
| St. George | $131 |
| West Valley City | $105 |
| Provo | $115 |
| West Jordan | $130 |
Our Methodology
Drawing from an extensive analysis that includes customer service ratings, product selections, pricing details, and a thorough look at various online reviews and user experiences, I've developed a complete overview of car insurance providers. My informed perspective is cultivated through more than 15 years of experience as a licensed agent, numerous interactions with representatives from various insurance providers, and firsthand knowledge from purchasing insurance in Utah.
Quotes Analyzed
Brands Reviewed
Years of experience
Research Hours
FAQs
How can low income families get affordable car insurance in Utah?
Finding the best car insurance deal in Utah requires you to shop around, compare quotes from different insurers, and ask about any available discounts.
What is the minimum amount of car insurance you have to carry in Utah?
In Utah, it is legally required for all drivers to hold a minimum amount of car insurance that includes $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage.
Sources
⇅- Utah Insurance Department – Auto insurance
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