Car Insurance After an Accident in Utah: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Utah increases insurance by 36%, raising full coverage from $1,836/year to $2,497/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$153/mo
After At-Fault Accident (+36%)
$208/mo
Cheapest Companies After Accident in Utah
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $154/mo | $1,848/yr | Military families |
| Erie Insurance | $164/mo | $1,973/yr | Rate lock guarantee |
| GEICO | $171/mo | $2,048/yr | Clean driving record |
| Progressive | $183/mo | $2,197/yr | Telematics savings |
| State Farm | $189/mo | $2,272/yr | Good students |
| Travelers | $198/mo | $2,372/yr | Multiple discounts |
| Nationwide | $216/mo | $2,597/yr | Bundling home + auto |
| Farmers | $225/mo | $2,697/yr | Signal telematics |
| Allstate | $233/mo | $2,797/yr | Accident forgiveness |
| Liberty Mutual | $246/mo | $2,946/yr | New car replacement |
USAACheapest
Monthly
$154/mo
Annual
$1,848/yr
Best for: Military families
Erie Insurance
Monthly
$164/mo
Annual
$1,973/yr
Best for: Rate lock guarantee
GEICO
Monthly
$171/mo
Annual
$2,048/yr
Best for: Clean driving record
Progressive
Monthly
$183/mo
Annual
$2,197/yr
Best for: Telematics savings
State Farm
Monthly
$189/mo
Annual
$2,272/yr
Best for: Good students
Travelers
Monthly
$198/mo
Annual
$2,372/yr
Best for: Multiple discounts
Nationwide
Monthly
$216/mo
Annual
$2,597/yr
Best for: Bundling home + auto
Farmers
Monthly
$225/mo
Annual
$2,697/yr
Best for: Signal telematics
Allstate
Monthly
$233/mo
Annual
$2,797/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$246/mo
Annual
$2,946/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses