Utah auto insurance premiums for 2011 are practically equal to the national average. Premiums in Utah average $1,470 compared to $1,440 across the nation.

Annual Changes

Premiums in Utah rose 3% between 2010 and 2011, after a fall of 14% between 2009 and 2010. Rates in Utah are not fixed in any way so that each insurer uses its own method for setting its own rates. It is not possible to predict whether rates will rise or fall in the near future. Checking this site for rate information as well as using it to obtain multiple quotes is the best way to find the lowest possible insurance rates in Utah.

Seasonal Changes

In the fall of 2010, rates for auto insurance in Utah fell and then rose again, after remaining rather stable during the spring and summer of that year. At the end of 2010 another drop was registered, but the average price rose again by 2011. Rates in Utah are often subject to rapid change, and drivers are advised to monitor rates and obtain quotes in order to find the best insurance prices.

Insurance Requirements

Utah is a no-fault state where insurance regulations require property damage insurance of $15,000 and personal injury protection coverage of $3000 as well as bodily injury liability cover of 25,000 per person and $65,000 per accident. Uninsured and underinsured motorist coverage is available in Hawaii and is highly recommended. In addition, as the minimum coverage is not realistic in the event of a serious accident, experts advise Utah drivers to purchase policies with substantially higher limits.

Advice for Getting the Best Deals

In Utah, both regional and national insurance companies offer reliable auto insurance coverage. Each insurer has its own criteria for determining the rates that apply to particular drivers and cars; therefore, no single firm or even type of firm can be said to offer the best rates. Obtaining multiple quotes from reliable insurance companies that are rated A or higher by A. M. Best is highly recommended. In addition the J. D. Power consumer satisfaction ratings for each company should be considered.

Using this site regularly to monitor prices and to obtain multiple quotes from competing insurers enables drivers in Utah to make sure they are getting the best possible rates.