Updated: May 20, 2025
Advertising & Editorial Disclosure
American Family, Nationwide and Farmers Union Insurance are the most affordable options for high-risk drivers seeking state minimum or full coverage in Utah.
For high-risk drivers, annual car insurance premiums range from a low of $807 to a high of $4,688, illustrating the importance of shopping around.
To secure the best deal on high-risk car insurance, find the coverage you need, research average costs and discounts and compare multiple providers to ensure affordability.
In our analysis, Progressive stands out as the most affordable option for young drivers, those with a DUI and drivers with bad credit and violations.
Nationwide is the best choice for senior drivers. Farmers Union Insurance offers the lowest rates for drivers with speeding tickets and bad credit. American Family is ideal for those with an accident history.
| Progressive | Young Drivers | $56 |
| Nationwide | Senior Drivers | $46 |
| Farmers Union Insurance | Drivers With a Speeding Ticket | $42 |
| American Family | Drivers With an Accident | $51 |
| Progressive | Drivers With a DUI | $46 |
| Farmers Union Insurance | Drivers With Bad Credit | $61 |
| Progressive | Drivers With Bad Credit And Driving Violations | $72 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
While our table above highlights the cheapest companies for high-risk insurance, it doesn't capture every unique driver profile. Below, you'll find a table where you can compare rates from top providers to meet your specific needs.
| American Family | $98 | $1,173 |
| Nationwide | $124 | $1,485 |
| Farmers Union Insurance | $160 | $1,920 |
| Allstate | $160 | $1,922 |
| Progressive | $163 | $1,951 |
Overall, high-risk car insurance costs in Utah can range anywhere from $57 to $391 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
| $67 | $807 | $0 | $0 | 0% |
If you're a driver in Utah, understanding how long a driving offense can influence your car insurance rates is important. For serious infractions like DUIs or reckless driving, insurers may review your record for up to 10 years.
But for smaller violations, your rates could be impacted for about three to five years. Each insurance company has its own policy for determining how these offenses affect your premiums.
Getting car insurance as a high-risk driver can be challenging. Our guide helps you understand why insurers see you as high-risk, find an affordable provider, and know what to do if you're denied coverage.
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
Below, we've shared key tips to help you save money and find the best provider for high-risk car insurance in Utah.
To make informed decisions, determine the car insurance coverage you require before comparing providers. Consider any additional options like rideshare or roadside assistance. Utilizing our car insurance coverage calculator can help you find out how much auto insurance you need.
Understanding the average costs and identifying available discounts can clarify the deals you're evaluating. It's beneficial to explore state-certified defensive driving courses as they can cut premium costs by up to 10%. Get acquainted with these savings opportunities to guide your insurance search effectively.
Exploring pay-per-mile and usage-based insurance can result in savings for low-mileage or safe driving habits. Insurers like Geico offer telematics programs to track driving behavior, potentially reducing premiums by up to 30%. Investigate these modern options to align coverage with your driving patterns and budget.
Examine at least three providers to grasp insurance offerings fully. Employ various comparison tools such as brokers and online platforms, ensuring rates are consistent across evaluations. Use apples-to-apples comparisons to clearly see how insurers measure up, optimizing your chances of securing affordable coverage.
Car insurance is a choice for companies, meaning they can deny coverage if they consider you too risky. If this happens, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Monday–Friday, 8:00 a.m.–4:30 p.m. PT
(800) 227-4659
(800) 827-6260
P.O. Box 6530
Providence, RI 02940-6530
Based on our research, American Family, Nationwide, and Farmers Union Insurance offer the cheapest high-risk insurance in Utah. While this is what we found, it's important to do your own research and compare costs to find the best deal. If you're denied coverage, don't worry—there are programs available to help you get affordable coverage. Stay informed and make the best choice for your needs.
Below, we answer common questions about high-risk car insurance in Utah.
In Utah, Farmers Union Insurance offers the cheapest high-risk car insurance at a rate of $42 per month for drivers with a speeding ticket.
If you're denied coverage, contact AIPSO for assistance in securing an insurance plan that meets your needs.
High-risk car insurance in Utah can cost substantially more. A driver with a DUI may pay around 55% to 57% more for coverage, amounting to a difference of $70 to $237 monthly, when compared to the average premiums of adults aged 30 to 50 with a clean record.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
