Cheapest car insurance in Delta, Utah (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Delta

In Delta, the average
auto insurance
policy costs about $148 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Delta drivers pay 23% less than the
Conscious drivers in Delta, Utah visit Jerry every month because we make it easy for customers to
compare and buy car insurance policies
. Below, we’ll review some of the cheapest car insurance quotes Jerry found for Delta customers.

Best car insurance companies in Delta

No single auto insurance company will be the cheapest for every driver in Delta. The secret to optimizing your costs lies in getting quotes from multiple insurers. 
If you’re searching for the best deal on car insurance in Delta, Jerry has conducted the biggest survey in the nation on insurance shopping—and we’re sharing the results!
and Auto-Owners earn recognition for offering the most affordable rates to the most Delta drivers—but it’s not a guarantee for every driver. Farm Bureau,
State Farm
, and
all offer lower than average premiums in Delta.
State Farm,
, Progressive, and USAA serve the majority of Delta drivers.
Let’s review some feedback from real Delta customers about these companies.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Delta

Delta drivers must abide by Utah’s minimum liability insurance requirement. Every Delta driver is required to purchase a minimum level of
liability insurance
, including bodily injury liability and property damage liability.
Full coverage
is optional, but it’s the only way to cover damage to your own vehicle.
Furthermore, drivers must also carry
personal injury protection (PIP)
with at least $3,000 of coverage limits.

Cheap minimum liability insurance quotes in Delta

state minimum liability requirements
for car insurance in the Beehive State are 25/65/15:
Every driver must carry at least this amount of coverage, as mandated by the state code   
Jerry has helped car owners in Delta find minimum liability coverage at affordable rates.

Do you need more than minimum coverage in Delta?

Many Delta drivers prefer higher liability coverage than the state's 25/65/15
minimum coverage requirements
Think about it: if you cause an accident, you may have to cover the costs of the other person's medical bills and car repairs. If the costs exceed your policy’s bare-bones limits, you could be forced to pay out-of-pocket.
Go beyond the bare minimum to avoid the burden of paying thousands of dollars if the other party's injuries are severe.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—or better yet, get full coverage on your car.

Cheap full coverage car insurance quotes in Delta

Full coverage is the best protection against all the potential disasters of life on the road. Full coverage in Delta pays for the costs to repair or replace your own vehicle after a covered incident. 
Included in your Delta full coverage policy is comprehensive and collision coverage. 
  • Collision coverage
    : Covers the cost of collision-related damage, such as broken bumpers or body work to your vehicle
  • Comprehensive coverage
    : Pays for non-collision damage, such as vandalism, theft, or even damage from hail or falling branches
Lenders in Delta require borrowers to purchase a full-coverage policy before completing a vehicle sale. If you financed your car, you probably have to purchase full coverage car insurance.
Jerry's agents have helped drivers find
affordable full-coverage policies
in Delta.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Delta

After analyzing scores of insurance providers in Delta, we have discovered that the average price for minimum liability coverage amounts to be $148 per month or $1,770 per year. Additionally, residents of Delta can expect to pay an average of $148 per month or $1,770 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Car insurance quotes in Delta by rating factors 

Insurance companies in Delta use many rating factors when
deciding your auto insurance premium
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Delta?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Utah currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Delta:

Cheap car insurance quotes in Delta after driving violations

Traffic violations can have a major impact on how much you pay for car insurance in Delta—especially if you have more than one on your record. With a pattern of violations, insurance companies will consider you a
high-risk driver
and charge you higher rates to compensate for the risk of insuring you.

Cheapest car insurance in Delta after an at-fault accident

Do you have an at-fault accident on your record? This will negatively affect your car insurance rates—especially if it was a recent one.

Cheapest car insurance in Delta after other driving violations

Your premium could go up after infractions such as careless driving or improper passing. Break a law, suffer the consequences!
Luckily, Jerry helps drivers find affordable coverage even with a spotty driving record.

Cheap car insurance quotes in Delta by age

No matter where you live, your age is a key determinant in calculating your rate. Young drivers under 25 and older drivers over 75 in Delta pay more for coverage due to the risks associated with lack of experience and the aging-related decline in physical and mental abilities.

Cheap car insurance quotes in Delta based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Cheap car insurance quotes in Delta for drivers with poor credit

While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

How to lower car insurance costs in Delta

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.


People living in Delta pay on average $148 per month – or $1,770 per year – on state-minimum liability coverage. Full coverage in Delta costs on average $148 per month of $1,770 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Delta drivers Jerry has worked with, car insurance in Delta costs an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!   
The state-minimum car insurance in Delta, Utah is $20,000 in bodily injury liability per person, $65,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 20/65/15 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
, The General, and
receive good ratings from Delta drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.