Utah Car Insurance

Introduction:

Are you looking for the cheapest car insurance for Utah residents? We have a directory of leading national insurance companies which provide instant online quotes to shoppers like yourself. Shopping for auto insurance online is a great way to save money. You will be presented with quotes from multiple insurers, allowing you to choose which one is the most competitive. In fact, it can save you hundreds each year on your car insurance costs.

Insurance rates in Utah:

On average, Utah motorists spent $722.27 on car insurance during the year 2008. This shows a change of -1.50% from the previous year. By comparison, car insurance averaged a rate of $733.45 in 2007. Figures collected in 2008 show that liability coverage cost an average of $435.96, collision coverage $276.50 and comprehensive coverage was at an average of $127.47. Compared to Utah, there were 30 states which had average auto insurance rates that were higher and 19 that had lower rates. In the year 2007, 28 states had rates higher than Utah's. By examining rates over a longer period, we see that automobile insurance premiums were an average of $620.05 in 2000 and $640.12 in 2005. There were 28 states which had higher insurance premiums in 2000.

Some important factors that insurers use to determine Utah insurance premiums:

• Maximum state speed limit in cities: 65 mph
• Maximum state speed limit on highways: 75 mph
• Maximum blood alcohol percentage allowed: 0.08%
• Laws on open alcohol containers: Both driver and passengers are prohibited from possessing open alcohol.
• Hand held cell phone usage laws: Effective June 2007, Utah has adopted laws which restrict hand held cell phone use while driving.
• Period of license suspension after DUI offense: License will be suspended for 90 days after first offense.
• Possibility of license restoration after DUI offense: Utah does not allow for restoration of driving privileges following a suspension.

Auto insurance cost data for Utah:

• Average premium in 2008: $722.27
• Average premium in 2007: $733.45
• Change between 2007 and 2008: -1.50%
• Liability coverage cost in 2008: $435.96
• Collision coverage cost in 2008: $276.50
• Comprehensive coverage cost in 2008: $121.47
• Overall nationwide premium rank in 2008: 31st