Digital Auto Insurance for Utah Drivers: Average Costs, Discounts, and More
Written by The Clearcover Team | 4 minute read
Want to save money on your car insurance? You’ve come to the right place.
If you’re living and driving in Utah, there are multiple Utah car insurance discounts you could qualify for to help save money on your auto insurance costs.
While many auto insurance companies advertise certain discounts are exclusive through their policies, state-specific discounts are available in your state across the car insurance industry.
In this guide for Utah drivers, we’ll cover:
Utah car insurance discounts and how to qualify
Additional car insurance discounts that Clearcover Insurance Company offers
Average car insurance costs in Utah
What auto insurance is required by the state of Utah
Why the cheapest car insurance in Utah isn’t always the cheapest in the long run—and more.
First, let’s dive into the details of car insurance discounts and how to qualify for them. Then, we’ll discuss the average cost of car insurance in Utah.
Car insurance discounts available in Utah
Okay, so let’s talk about how to save money on your car insurance. You can reduce your premium with discounts that are available in Utah (if you meet certain eligibility requirements)—all without sacrificing your coverage.
(And here’s some good news: Pair the latest car insurance technology—that’s us!—with discounts on auto insurance, and you can experience big savings on your car insurance premiums... and a hassle-free insurance experience.)
Specific Utah car insurance discounts
Utah Defensive Driver discount
What it is: This car insurance discount is for Utah drivers ages 50 and up who complete qualifying continuing education driving safety courses (1). In this case, not only is knowledge power, but it can also help you save money on your car insurance premiums.
Who can qualify: Drivers 50 and up who have completed an approved defensive driving course. Courses are available both in-person and online for a class fee. Talk to a trusted insurance agent to ensure you’ve enrolled in the right course and could qualify for savings.
Utah Seat Belt Discount
What it is: This Utah car insurance discount is all about safety first. Drivers could be eligible for a discount on car insurance premiums based on a commitment to seat-belt wearing at all times.
Who can qualify: You might be eligible for this discount if every member of your household uses seatbelts whenever they’re available. (That means everywhere, too! From your own vehicle to the backseat of rideshares, you’re committed to safety.)
Car insurance discounts for Utah Clearcover customers
In addition to the two discounts above that are specific to Utah drivers, Clearcover customers may have additional discounts available.
(By the way, did you know that Clearcover customers don’t have to ask for discounts? We apply every discount you qualify for automatically. That’s the beauty of digital insurance.)
Important note: Specific rules are used to determine your discount eligibility, and eligibility cannot be determined based on the descriptions of the discounts below alone.
Good Driver Discount: If you’re a great driver and you meet certain age and driving history requirements, you could qualify for this additional discount.
Driving Experience Discount: Eligibility is based on drivers who have been licensed for at least 1 year.
Deployed Driver Discount: This discount is available to drivers deployed overseas due to military service or other occupational requirements if eligibility is met.
Anti-Theft Discount: Does your vehicle have anti-theft devices? If so, you may qualify.
New Vehicle Discount: For cars that are 3 years old (or less!)
Restraint Discount: If your vehicle has a passive restraint system, such as airbags that activate upon collision or seat belts that tighten if you stop suddenly, you may qualify.
Financial Responsibility Discount: Multiple factors are considered in determining eligibility for this discount, including your financial responsibility score.
Continuous Insurance Discount: This discount could apply to you if you’ve been continuously insured during your driving history, whether that’s through Clearcover or a previous insurer.
Multi-Line Discount: Love to bundle? While we’re specifically car insurance experts, you could be eligible for a discount if you have other qualifying insurance policies with our Clearcover partners.
Anti-Lock Brake Discount: Have an automobile that’s equipped with a factory-installed Anti-Lock Braking System? This could be an easily-earned policy discount.
Multi-Vehicle Discount: Insuring multiple vehicles and drivers with us? You could be eligible.
Military Discount: This one’s to honor those who are on active duty, serving in the Guard/Reserves, a junior or senior cadet of a military academy, or a retired member of the Armed Forces of the United States.
When researching ways to save money on your car insurance, it’s important to have a starting point for the cost of car insurance and coverages that are required in your specific state. Let’s dive into the average Utah car insurance costs next.
What is the average cost of auto insurance in Utah?
On average, Utah residents can expect yearly premiums between $769 and $1976, according to ten separate quotes from different auto insurance companies compiled and analyzed by The Zebra (2).
Knowing the average car insurance costs in Utah can provide a helpful benchmark, but it’s important to understand that a car insurance quote is specific to you and your situation. (You can get an accurate, hassle-free quote based on your unique insurance needs here.)
So how will your car insurance costs be calculated? Annual premiums for your car insurance policy depend on a number of factors:
Your past driving record
Your insurance history (and if you’ve been consistently insured)
Specifics around your vehicle, including type, year, model, and more
Your credit-based insurance score
The area you live in and any risk factors in your area
The mileage you drive per year
Your age and gender
Any car insurance discounts you might be eligible for (more on that below!)
All of these factors are taken into account when a car insurance company calculates your quote—which is why car insurance quotes are based on your individual needs.
For more information on how car insurance premiums are calculated, check out the article How does car insurance pricing work?
And an important note to add: Your car insurance costs as a Utah driver also depend on the amount of coverage you’ll need.
When doing your research, you’ll run into articles that provide average rates based on the required state minimum coverage for Utah. However, if you only purchase minimum coverage, you probably won’t get all the protection you need. (That’s why the basic Utah car insurance requirements are literally called the state minimum. We’ll cover more on that below.)
What auto insurance is required by the state of Utah?
Each state has different car insurance requirements, so if you’re moving to Utah from out of state, it’s important to notify your insurer and update your coverage. Utah drivers are required to carry the following minimum auto insurance:
Bodily Injury Liability Coverage: This protects other people and their medical bills when you cause an accident.
What is the bodily injury liability coverage requirement in Utah? A minimum of $25,000 per person and $65,000 per accident.
Property Damage Liability Coverage: This protects other people’s vehicles and property when you’re at fault.
What is the property damage liability coverage requirement in Utah? A minimum of $15,000 per accident.
Personal Injury Protection Coverage: This helps pay for your medical bills and other expenses, regardless of who caused the accident.
What is the personal injury protection coverage requirement in Utah? While a minimum of $3,000 per accident is required, Utah drivers are technically allowed to make the choice to reject (in writing) the loss of income portion of the Personal Injury Protection coverage. However, while this could lower your car insurance costs in the short term, rejection of this coverage also removes some important rights and protections. Talk to a trusted Utah car insurance agent to understand your options.
Uninsured/Underinsured Motorist Coverage: This helps pay for your expenses if you’re in an accident caused by a driver who does not have enough insurance to cover your bills.
What is the uninsured/underinsured motorist coverage requirement in Utah? While a minimum of $25,000 per person and $65,000 per accident is required as a state minimum, Utah drivers are also allowed to make the choice to reject (in writing) this particular coverage. Again, it’s important to remember: This could lower your car insurance costs, but rejecting this coverage also removes crucial protections. Connect with an experienced car insurance agent in Utah to learn more.
For more in-depth information on required coverages, Utah driving laws, Utah car insurance agents, and more, see this Guide to Utah Car Insurance.
Additional car insurance coverages available to Utah drivers
In Utah, Clearcover offers the following additional car insurance coverages:
Bodily Injury
Property Damage Liability
Collision
Comprehensive
Basic Personal Injury Protection
Additional Personal Injury Protection
Uninsured Motorists Bodily Injury
Underinsured Motorist Bodily Injury
Uninsured Motorists Property Damage
Roadside Assistance Coverage
Alternative Transportation Coverage
If your car insurance policy includes all the state-required minimum coverages, why would you purchase more coverage? That’s an easy answer: Because the state minimum is just that—the bare minimum.
If you’re in an auto accident that involves significant property loss or medical costs, the state minimum coverage probably won’t cover all the costs—and you’ll be left paying the rest out of pocket.
Clearcover provides options beyond basic coverage so you get more protection at a better price. (We use smarter technology—including the power of AI—to significantly reduce your insurance costs. That’s how we can provide more coverage at a better price. Learn more about digital car insurance.)
Looking for the cheapest car insurance in Utah? That might not be the best idea.
Next, let’s talk about why going for the cheapest policy possible isn’t always the greatest idea.
There’s a difference between the cheapest car insurance coverage and sufficient car insurance coverage—coverage that not only meets the state-required minimums, but also the protection you need for your unique situation.
If you’re specifically looking for the cheapest car insurance in Utah, you might want to connect with an experienced car insurance agent first- before you commit to a policy based on the lowest quoted price you can find online.
Remember, while the state minimum may work for some drivers, it doesn’t offer the financial protection that most people on the road need. (And we’re not just saying this as a car insurance company! Every driver needs to think carefully about their own level of risk tolerance when selecting their policy.) Discover why cheap car insurance may not be in your best financial interest long term.
How Clearcover uses the power of artificial intelligence to provide you with the best car insurance in Utah
Clearcover is transforming the way you experience auto insurance in Utah. With our award-winning app and Clear Claims powered by ClearAI™, we’re putting you in the driver’s seat of your car insurance coverage.
Clearcover works to provide drivers with more coverage at a better price, giving you the power to get the coverage that’s important to you. (And you can partner with an experienced car insurance agent to help you decide what’s best for your situation.)
By using the latest technology and machine learning, we’re able to accelerate your entire car insurance experience—from fast quotes to claims resolution in as little as 13 minutes.
All that makes for a better car insurance experience that we’re proud to share with you.
