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Utah Car Insurance for Bad Credit Drivers

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Doug Shaffer

By: Doug Shaffer

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for Drivers With Bad Credit in Utah (2022)

For drivers with bad credit in Utah, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Utah. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Utah.

CarrierAvg. Monthly Cost
Clearcover Inc$106
Travelers$107
Kemper$131
GAINSCO$149
Freedom National$168
Nationwide$178
Midvale Home & Auto$181
American Family Insurance$188
Dairyland Insurance$188
Bristol West$192

Bad Credit Car Insurance in Utah

No one likes to admit to having bad credit, but it is something that many Americans face. Regardless of whether it is a result of using your credit cards for an emergency or falling behind on debt payments, it can still all negatively impact your auto insurance rates.

Drivers who live in Utah may experience the impact more than drivers in other states. Typically, having bad credit can result in as much as a 16 percent increase in monthly payments. However, where you live and which auto insurance carrier you go with will ultimately play a factor in your final premium rate.

Utah Car Insurance Rates for Bad Credit Drivers

Excellent
$179
Good
$200
Average
$201
Poor
$218

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Utah?

Utah drivers, like many drivers in other states, will notice that bad credit can significantly impact car insurance rates. Some motorists will see an increase of at least 16 percent if they have a poor credit score.

Drivers who have had financial issues in the past that have led to a bad credit rating can expect an average monthly cost of $208. This is a $29 increase from what drivers with a good credit score pay.

Avg. Monthly Cost - for Drivers with Good Credit
$179
Avg. Monthly Cost - for Drivers with Bad Credit
$208
$29 ▴
16.20% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Utah?

Drivers who live in Utah will notice that auto insurance providers use credit checks to determine where to set monthly rates. Since insurers use credit ratings as part of their risk evaluation, it can be difficult to find a company that will offer coverage without a credit check.

The good news is that even with a poor credit score, you might be able to find affordable auto coverage in Utah. One way to find a cheaper quote is to shop around with multiple providers. There are several throughout the state that offer competitive rates for drivers with poor credit scores.

Utah Car Insurance Rates by Credit Tier

Credit tier has a major impact on car insurance rates in Utah. Drivers who currently have an excellent rating will pay $179 a month on average, which is $39 less than those with a poor rating. Motorists who fall into the good or average categories will essentially pay the same as one another, with averages at $200 and $201, respectively.

Credit TierAvg. Monthly Cost
Excellent$179
Good$200
Average$201
Poor$218

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Car Insurance Rates With Bad Credit in Utah Cities

Where you live in Utah can change how much a bad credit score affects your insurance rates. For example, a poor credit score in West Jordan could result in paying $35 more for coverage than if you lived in Ogden.

CityCredit TierAvg. Monthly Cost
Salt Lake CityPoor$186
OgdenPoor$158
West Valley CityPoor$180
West JordanPoor$193
OremPoor$178
MidvalePoor$168

Tips for Researching Bad Credit Utah Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Utah draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Utah Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Utah. Insurify analyzed the latest data for the five most populous cities in Utah to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Utah and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

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