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Utah Car Insurance for High Risk Drivers (With Quotes)

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Courtney Levin

By: Courtney Levin

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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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.

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

No Violation
$181
Reckless Driving
$186
Speeding Ticket
$216
Failure to Stop
$218
At-Fault Accident
$233

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
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:

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

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

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

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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

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.

Courtney Levin
Courtney Levin

Content Writer at Insurify

A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.

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