KSL INVESTIGATES

Utah drivers see auto premiums go higher than drivers in other states after crashes

Oct 29, 2021, 9:49 PM | Updated: 10:51 pm

SALT LAKE CITY — From fender benders to car-totaling collisions, car crashes can be expensive for those who experience them. But new data shared with the KSL Investigators shows it is especially expensive for Utahns — particularly Utah teens.

According to the research from ValuePenguin.com, 18-year-old Utah drivers pay an average of $2,403 per year for insurance, but after a wreck, it jumps up to $9,643. That’s a 301% increase in premiums — the 11th highest in the country — and well above the national average increase of 253%.

Andrew Hurst, a data writer with financial services website, LendingTree, said that insurance companies have all sorts of parameters that they use when deciding someone’s insurance risk. It is proprietary, but it is science, and it is math.

“When you’re in the insurance business, you have to have generations of data, right? I’m sure that in this data, maybe they show that drivers in Utah who are teenagers are more likely to get in a second accident if they get in one already,” said Hurst.

Whether you’ve been in an accident or not, it is a good idea to know what discounts are out there for you, and many of them have nothing to do with driving.

As the KSL Investigators have reported before, things like — what you do for a living, whether or not you’re married, and how you do in school — can all offer major discounts on your rates. But it is up to you to make sure your insurance company knows about it.

An interesting juxtaposition: While a Utahn might pay more after an accident, typically, we pay less from the onset. We found that generally, auto insurance is less expensive than what drivers in other states could expect to pay.

KSL 5 TV Live

Top Stories

KSL Investigates

fireworks injuries study...
Matt Gephardt

Study: More people need E.R. care after playing with fireworks

A report from the U.S. Consumer Product Safety Commission may throw a wet blanket on your 4th of July plans – or at least make you think about bringing a wet blanket with you just in case your family’s celebration adds to a troubling trend.
3 days ago
Peter Ingle talking to Matt Gephardt...
Matt Gephardt & Cindy St. Clair, KSL TV

Too risky to insure? Why your homeowner’s insurance could go up in smoke

There are good reasons for an insurance company to drop your homeowner’s coverage. But what happens when you’re dropped for something you have no control over? KSL Investigator Matt Gephardt went out to find: can they do that?
4 days ago
FILE - Thousand gather at the Utah State Capitol to support a woman's right to choose. (KSL TV)...
Daniella Rivera

‘It was hastily passed’: Medical, legal experts raise concerns about Utah’s abortion trigger law

Senate Bill 174, passed by the Utah Legislature in 2020, was crafted, in part, to send a message. Now, medical and legal experts are sounding alarm bells about how it will work in practice.
7 days ago
FILE - Credit and deposit cards on a computer keyboard. Electronic commerce, business. Online shopp...
Matt Gephardt

Gephardt Busts Inflation: Americans shy away from using credit cards abroad, missing out on best exchange rates

As COVID-19 wanes, travel agencies are seeing a massive spike in bookings as folks look to spread their wings and travel abroad.
7 days ago
KSL-TV's Matt Gephardt talks to the couple to see how this accident happen....
Matt Gephardt and Cindy St. Clair, KSL TV

Utah couple gets hit with sky-high surprise air ambulance bill

A perk of hitting that out-of-pocket max limit on your health insurance is usually, your insurance covers all other expenses for the year 100%. When a Highland couple continued to get bills, they asked KSL Investigator Matt Gephardt for help.
10 days ago
Bitcoin and other cryptocurrencies are all making news with wild up-and-down swings in value. (File...
Matt Gephardt and Sloan Schrage, KSL TV

Congress considers crypto legislation: What you need to know

It's been a rough year for cryptocurrencies. Prices reached record heights this past November, but by last week, crypto has lost $2 trillion of its market value. Now, there's a new plan for the Feds to regulate cryptocurrencies.
11 days ago

Sponsored Articles

hand holding 3d rendering mobile connect with security camera for security solutions...
Les Olson

Wondering what security solutions are right for you? Find out more about how to protect your surroundings

Physical security helps everyone. Keep your employees, clients, and customers safe with security solutions that protect your workplace.
Many rattan pendant lights, hay hang from the ceiling.Traditional and simple lighting....
Lighting Design

The Best Ways to Style Rattan Pendant Lighting in Your Home

Rattan pendant lights create a rustic and breezy feel, and are an easy way to incorporate this hot trend into your home decor.
Earth day 2022...
1-800-GOT-JUNK?

How Are You Celebrating Earth Day 2022? | 4 Simple Ways to Celebrate Earth Day and Protect the Environment

Earth Day is a great time to reflect on how we can be more environmentally conscious. Here are some tips for celebrating Earth Day.
Get Money Online...

More Ways to Get Money Online Right Now in Your Spare Time

Here are 4 easy ways that you can get more money online if you have some free time and want to make a little extra on the side.
Lighting trends 2022...

Lighting Trends 2022 | 5 Beautiful Home Lighting Trends You Can Expect to See this Year and Beyond

This is where you can see the latest lighting trends for 2022 straight from the Lightovation Show at the Dallas World Trade Center.
What Can't You Throw Away in the Trash...

What Can’t You Throw Away in the Trash? | 5 Things You Shouldn’t Throw in to Your Trash Can

What can't you throw away in the trash? Believe it or not, there are actually many items that shouldn't be thrown straight into the trash.
Utah drivers see auto premiums go higher than drivers in other states after crashes