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Cheapest Insurance Companies for High Risk Drivers in Utah (2022)

For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

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 high-risk drivers in Utah.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$120
Sun Coast General Insurance Agency, Inc.$122
Novo$131
Clearcover Inc$136
Stillwater$173
Kemper$185
Freedom National$194
Nationwide$208
GAINSCO$213
Midvale Home & Auto$226

What Makes a Driver High-Risk in Utah?

Most people don't get behind the wheel with the intention of being an unsafe driver; however, we sometimes end up engaging in dangerous behavior on the road without even realizing it. Speeding, running a red light, or changing lanes frequently can happen quickly if we aren't paying attention and may classify you as a high-risk driver.

Those living in Utah who are in this category may wonder if they can still find affordable car insurance. It's best to do some price shopping before you enroll in a new policy, as some car insurance companies specialize in coverage specifically for these situations.

Utah Car Insurance Rates for High-Risk Drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Utah?

Even just one infraction on the road can make a lasting impression on both your driving record and your car insurance premiums. Violations like speeding, driving with a suspended license, and causing an accident are serious in Utah, and along with the likelihood of paying a ticket or fine, your auto coverage rates will definitely increase.

In some cases, a driving violation can boost your auto insurance rates by more than $600 annually, so it's important to price shop before you enroll in new coverage. Some of the most common driving infractions may bring your monthly rates to these figures:

Driving HistoryAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$181
Speeding Ticket$216
At-Fault Accident$233
Reckless Driving$186
Failure to Stop$218

How Much Does a Speeding Ticket Impact Car Insurance Rates in Utah?

Whether you're headed to work or taking a short trip to the grocery store, it never pays to speed—even if you're short on time. Speeding is dangerous and can be expensive when it comes time to renew your car insurance. Drivers in Utah will likely see the following increase with this type of violation on their record:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Does an at-Fault Accident Impact Insurance Rates in Utah?

An at-fault accident can happen in the blink of an eye, but unfortunately, the costs associated with this situation can linger. While motorists in Utah may have previously enjoyed affordable car insurance rates, they can expect prices to jump by roughly $50 per month after this violation is added to their record:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Utah?

No one in Utah wants to pay more for their car insurance than they have to, but if you run a red light or fail to stop at a stop sign, you'll likely see your annual premiums rise by over $400. Shopping around for lower car insurance rates is an option, but you should be prepared to see this kind of change to your insurance costs:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Does Driving With a Suspended License Impact Car Insurance Rates in Utah?

Most people don't get behind the wheel with the intention of being an unsafe driver; however, we sometimes end up engaging in dangerous behavior on the road without even realizing it. Speeding, running a red light, or changing lanes frequently can happen quickly if we aren't paying attention and may classify you as a high-risk driver.

Those living in Utah who are in this category may wonder if they can still find affordable car insurance. It's best to do some price shopping before you enroll in a new policy, as some car insurance companies specialize in coverage specifically for these situations.

Tips for Researching High-Risk Utah Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Utah draws a wide variety of choices when factoring high-risk driving insurance rates.
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

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ProgressiveLiberty MutualTravelers

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

  • Why is car insurance so expensive in Utah?

    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.

  • Do car insurance rates vary by county in Utah?

    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.

  • Which providers have the best auto insurance ratings in Utah?

    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.

  • How much do annual auto insurance rates increase in Utah?

    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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Levin
Courtney LevinInsurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.