Cheapest Low-Income Car Insurance In Utah 2025

There are no low-income car insurance programs in Utah, so finding a good private provider is essential.

Drivers in Utah can find affordable liability-only car insurance from Farmers Union, at an average rate of $34 per month.

Does Utah Have A Government-Sponsored Car Insurance Program For Low Income Families?

No, Utah does not have a government-sponsored car insurance program specifically for low-income drivers. Despite this, all drivers in Utah are still required by law to carry the state’s minimum amount of car insurance.

Minimum Car Insurance Requirements In Utah

In Utah, the minimum car insurance requirements include:

• $25,000 bodily injury liability per person
• $65,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $3,000 for personal injury protection (PIP) per person

While meeting these minimums is required, opting for more than the minimum coverage could be a wise decision. Higher coverage limits provide greater financial protection in the event of a serious accident, potentially saving you from costly out-of-pocket expenses if damages or injuries exceed the minimum limits. Additionally, if you have an outstanding loan on your car, then you may be required to pay for ‘full coverage’ car insurance.

“Full coverage” car insurance typically includes three main types of coverage: liability, collision, and comprehensive. Liability covers damages to others if you’re at fault, collision pays for repairs to your car after an accident, and ‘comprehensive’ protects against non-accident incidents like theft, vandalism, or natural disasters.

Opting for full coverage can be beneficial because it provides broader financial protection, covering not only damage to other vehicles but also repairs or replacement for your own car. This is especially valuable if your vehicle is newer or financed, as full coverage helps safeguard your investment and can minimize out-of-pocket expenses in the event of an accident or unexpected incident.

Cheapest Low-Income Car Insurance In Utah

For low-income drivers seeking state-minimum coverage, Farmers Union offers the cheapest policy, with an average rate of $34 per month, or $400 per year.

Use the table below to see the cheapest car insurance rates for low-income drivers in Utah.

Cheapest Car Insurance In Utah For Drivers With Poor Credit

Your credit score can significantly impact car insurance rates, as insurers view lower scores as a potential indicator of risk. Drivers with poor credit may pay up to 70% more than those with good credit.

For example, a driver with a low credit score might see their annual premium increase by $500 or more compared to someone with a strong credit history.

In Utah, the cheapest provider for low-income drivers with poor credit is Kemper, with an average rate of $1,380 annually.

Best Low-Income Car Insurance In Utah

QBE is the best car insurance company for low-income drivers in Utah.

Just because you need a cheap auto policy doesn’t mean that you can’t get quality service. I’ve researched the top liability-only car insurance providers in Utah to find you coverage with the minimum requirements, at a reasonable price.

Car Insurance Discounts For Low-Income Drivers In Utah

Discounts are a great way for Utah drivers to save on car insurance, as many insurers offer various ways to reduce premiums based on driving habits, policy bundling, or vehicle features.

Below is a table listing some common discounts in Utah and the typical percentage savings they offer low-income drivers.

Taking advantage of one or more of these discounts can lead to substantial savings on annual premiums, especially for drivers who qualify for multiple discounts.

Car Insurance Saving Tips For Low-Income Drivers In Utah

For low-income drivers in Utah, there are several practical strategies to help save on car insurance costs:

1. Shop Around and Compare Rates: Insurers have different rates and discount structures, so it’s worth comparing quotes from multiple companies to find the best deal. Even a small difference in monthly rates can add up to substantial annual savings.
2. Opt for Liability-Only Coverage: If you drive an older car or one that isn’t heavily financed, consider liability-only coverage. This meets Utah’s minimum legal requirements and can be significantly cheaper than full coverage.
3. Increase Your Deductible: Choosing a higher deductible can lower your monthly premium. However, make sure you have the savings set aside to cover it in case of an accident.
4. Take Advantage of Discounts: Ask your insurance provider about available discounts, such as safe driver, multi-policy, and low mileage. Bundling your car insurance with another policy, like renters or home insurance, can also lead to savings.
5. Consider Usage-Based Insurance: Some companies offer usage-based programs that track your driving habits and mileage. If you’re a safe, low-mileage driver, this could lower your premiums.
6. Maintain a Good Credit Score: Since credit is a factor in determining premiums, working to improve or maintain a strong credit score can help lower insurance costs over time.
7. Review Coverage Annually: Life circumstances change, and your insurance needs might, too. Regularly reviewing your policy helps ensure you’re not over-insured or paying for unnecessary add-ons.
8. Take a Defensive Driving Course: Many insurers offer discounts to drivers who complete an approved defensive driving course, which is an easy way to save a bit on premiums.

By implementing one or more of these strategies, low-income drivers in Utah can find ways to keep their car insurance costs manageable.

Compare Utah To Low-Income Insurance In Other States

The price you pay for car insurance will differ from state to state. Use the table below to compare low-income car insurance rates across America.

*These figures represent typical averages for low-income drivers but may vary depending on the insurer, location within the state, and other individual risk factors.