AUTOMOBILE INSURANCE
Auto insurance premium varies based on many factors, which may include the vehicle type, age, garaging location and
annual miles driven. The auto premium is also based on the driver's record, age, gender, credit information, home
ownership, and additional coverages selected. Additional factors considered in the premium rating include marital status,
how the car is used, longevity with the company and years without incidents. The number of autos in an area, traffic
congestion and average number of auto accidents in a particular location play an important role in premium
determinations. Premiums in metropolitan areas tend to be higher for these reasons. The following may help lower your
auto insurance premiums: drive safely, compare companies’ premiums, higher physical damage deductibles, insure all
vehicles under one policy, buy packaged policies, and look for possible discounts.
All licensed drivers who reside in the household need to be listed on the policy. Please check with your insurance
company regarding their requirements.
[U.C.A. 41-1a-1101(2)(a)] allows law enforcement officers to impound uninsured vehicles.
The vehicle used in our comparisons is 2019 Volkswagen Jetta. The examples listed in the auto comparison assume that
the driver has a clean driving record, mid-range credit information, and drives to work between 3 & 15 miles one way.
The Department of Insurance does not recommend limits of coverage. Check with the company for limits available that
will fit your circumstances. For more definitions of coverages see page 12 of this table.
Unless otherwise noted, the coverages quoted in our examples provide for the following limits of insurance:
Bodily Injury: $50,000 Per Person / $100,000 Per Accident / Property Damage: $50,000 Per Accident
Uninsured Motorist Bodily Injury: $50,000 Per Person / $100,000 Per Accident
Underinsured Motorist Bodily Injury: $50,000 Per Person / $100,000 Per Accident
Personal Injury Protection: $3,000
Optional Physical Damage limits are: Comprehensive: $500 deductible / Collision: $500 deductible
(The Insurance Department Does Not SET Automobile Insurance Rates.)
2021 Annual Auto Insurance Comparison Table
A blank cell indicates this company is no longer writing this type of policy as new business but an affiliated company may w
ite it.
* These companies consider writing non-standard insurance, primarily high risk drivers or special types of automobiles. The
other companies may have affiliated companies that may offer coverage for non-standard risks.
(a) This company only writes 12 month policies. The premium shown is for 12 months.
(b) This company only writes 12 month policies. The premium shown is for 6 months only
(c) Available to employer sponsored groups only.
8
Zip Code 84660 Spanish Fork Premium for 6-month polic
2021 rates
InsuranceCompany
Single
Male
Age 20
Single
Female
Age 20
Married
Couple
Age 39
Single
Male/Female
Age 39
Married
Couple
Age 66
Earned
Premiums
(UTAH)
Complaint
Ratio Per
100K of
Earned
Premium
#
Nat'l
Comb.
Loss &
Expense
Ratio
State Farm Mutual Automobile Ins Co $1,754 $1,417 $725 $725 $676 $296,235,301 0.000 0.971
Allstate Fire & Casualty Ins Co 1,505 1,205 702 731 / 780 701 202,326,246 0.000 0.884
GEICO Casualty Co * 1,325 1,260 528 568 / 650 491 191,700,297 0.002 0.910
Mid Century Ins Co 1,782 1,639 1,442 1289 / 1361 1,279 161,955,275 0.000 1.061
Bear River Mutual Ins Co 1,087 1,023 586 633 / 587 634 147,481,843 0.000 0.955
Progressive Direct Ins Co 1,330 1,173 595 588 / 637 534 75,056,413 0.037 0.840
Auto Owners Ins Co 1,716 1,443 721 720 733 67,874,867 0.000 0.956
Safeco Insurance Co of IL 1,492 1,425 668 796 / 795 619 56,217,646 0.016 0.787
Progressive Classic Ins Co 1,254 1,105 528 540 / 593 406 55,546,375 0.004 0.842
LM General Ins Co (a) 5,437 5,082 2,733 3067 / 2937 3,356 50,910,263 0.016 0.629
Progressive Advantage Ins Co 1,122 991 513 507 / 547 464 48,439,860 0.027 0.879
Farm Bureau Prop & Cas Ins Co (b) 2,039 1,939 1,158 1066 / 1195 1,117 47,346,972 0.000 1.019
Standard Fire Ins Co 1,648 1,404 674 772 / 748 727 45,543,973 0.000 0.912
USAA Casualty Ins Co 1,048 918 469 499 / 495 458 44,623,467 0.002 0.846
Progressive Preferred Ins Co 1,090 959 456 470 / 514 351 38,950,802 0.018 0.870
United Service Automobile Association 924 811 456 484 / 480 426 36,709,185 0.004 0.904
CSAA Fire & Casualty Ins Co 1,796 1,626 783 875 / 795 773 29,492,578 0.000 0.989
Farmers Group Property & Cas Ins Co (c) 2,151 1,920 675 835 / 811 632 24,179,081 0.012 0.882
Viking Ins Co of WI * 2,760 2,681 1,278 1512 / 1623 1,210 23,957,437 0.000 0.930
USAA General Indemnity Co 1026 968 547 582 / 571 537 23,550,200 0.002 0.845