How to Find the Best Car Insurance
for High Risk Drivers in Utah

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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
Average Monthly Cost
$181
No Violation
$216
Speeding Ticket
$233
At-Fault Accident
$186
Reckless Driving
$218
Failure to Stop for Red Light / Stop Sign
Driving History

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.

What Are the Best Car Insurance Companies for High-Risk Drivers in Utah?

Price comparisons are critical in Utah if you're a high-risk driver, as the average monthly cost of a policy can vary dramatically. It's important to consider the level of coverage you need along with your budgetary limitations to ensure that you find the best policy for you. Some of the average prices for Utah high-risk drivers are below:

CarrierAvg. Monthly Cost
Travelers$120
Sun Coast General Insurance Agency, Inc.$122
Motion Auto Insurance$131
Clearcover Inc$136
Stillwater$173
Kemper$185
Freedom National$194
Nationwide$208
GAINSCO$213
Midvale Home & Auto$226

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
No Violation$181
Speeding Ticket$216
At-Fault Accident$233
Reckless Driving$186
Failure to Stop for Red Light / Stop Sign$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:

$181
No Violation - Avg. Monthly Rate
$216
Speeding ticket - Avg. Monthly Rate
$35 Avg. Monthly Rate Increase

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:

$181
No Violation - Avg. Monthly Rate
$233
Speeding ticket - Avg. Monthly Rate
$52 Avg. Monthly Rate Increase

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:

$181
No Violation - Avg. Monthly Rate
$218
Speeding ticket - Avg. Monthly Rate
$37 Avg. Monthly Rate Increase

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.