Layton Car Insurance

How much does car insurance cost in Layton, UT? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Layton?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Utah has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Layton typically pay around $127.17 per month compared to the national average of $167.21 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.21
Utah $125.50
Layton, Utah $127.17

Layton, UT Best Car Insurance Companies

car insurance in Layton

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Layton coming in around $68.65 per month. Other companies to consider if you live in Layton is USAA with an average cost of $79.36 per month and Safeco which typically runs around $103.15 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Layton.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $68.65-45.30%
2 USAA $79.36-36.77%
3 Safeco $103.15-17.81%
4 Nationwide $123.18-1.85%
5 Farm Bureau Mutual (IA Group) $126.751.00%
6 Auto-Owners Insurance Co $133.866.66%
7 State Farm $137.969.92%
8 ACCC Insurance Company $138.8810.66%
9 Esurance $151.5820.78%
10 Liberty Mutual $156.1624.42%

How Much is Car Insurance in Layton, UT?

how much is auto insurance in Layton

Rates can vary from city to city. The residents of Bountiful typically pay $121.43 per month while people who live in Cedar City will pay $106.25 per month on average. See what people pay for car insurance in other cities in Utah.

Utah CitiesMonthly Average Rate
Bountiful $121.43
Cedar City$106.25
Layton $127.17
Logan $114.86
Ogden $122.85
Orem $122.74
Park City$142.08
Provo $119.00
Saint George $98.96
Salt Lake City $134.12
Sandy $119.87
West Jordan $134.03

Cheap Car Insurance in Layton by Zip Codes

find cheap auto insurance in Layton

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Utah. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Layton, UT ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Layton

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $364.89 per month in Layton. Compare that to drivers in their 30’s who typically pay around $130.31 per month drivers in their 40s at $84.37 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Layton

If you are teen in Layton you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $156.52 per month. This is likely the most affordable option in Layton. You might also want to consider Esurance and ACCC Insurance Company who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
ACCC Insurance Company$201.83
Farm Bureau Mutual (IA Group)$226.33

Cheapest Insurance for 20 Year-olds in Layton

20 year-olds in Layton might want to consider Clearcover who, on average, offers car insurance rates around $87.56 per month. USAA , Safeco , Farm Bureau Mutual (IA Group) and Liberty Mutual are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$157.27
Liberty Mutual$161.77

Cheapest Insurance for 30 Year-olds in Layton

If you are in your 30s in Layton our research has found that Clearcover typically has the most affordable coverage coming in around $64.43 per month, followed by USAA at $67.55 and Farm Bureau Mutual (IA Group) at $100.91.

CompanyAverage Monthly Rate
Farm Bureau Mutual (IA Group)$100.91
Auto-Owners Insurance Co$106.56

Cheapest Insurance for 40 Year-olds in Layton

On average, USAA offers car insurance for 40 year-olds in Layton for around $60.56 per month. If you are looking for affordable coverage, you may also want to consider Bear River or Esurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Bear River$67.25
Auto-Owners Insurance Co$94.11

Cheapest Insurance for 50 Year-olds in Layton

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Layton we found that Bear River generally offers the most affordable coverage at $49.25 per month.

CompanyAverage Monthly Rate
Bear River$49.25
ACCC Insurance Company$80.11

Cheapest Insurance for 60 Year-olds in Layton

If you live in Layton and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $49.65 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$90.38

Driver's Coverage Auto Insurance Rates in Layton, UT

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Layton, the average monthly rate for a driver who is currently insured is $115.63 while drivers who are not currently covered will pay around $150.82.

CoverageAverage Monthly Rate
Not Currently Insured $150.82
Currently Insured $115.63

Compare Recent Car Insurance Quotes in Layton

auto insurance quotes in Layton city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Layton a driver of a 2022 Honda Cr-V can expect to pay around $130.38 per month while someone that owns a 2012 Ford Flex may pay around $165.05 per month. Check out the list of recent quotes in Layton below.

VehicleAverage Monthly Rate
2022 Honda Cr-V$130.38
2012 Ford Flex$165.05
2017 Ford Fusion$174.19

FAQ's for Drivers in Layton, UT

driver’s frequently asked question in Layton

What Is the Minimum Liability Coverage Requirement in Layton, UT?

Every state requires drivers to have a minimum amount of liability coverage. Utah drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious injury or death to a single person
  • $65,000; Bodily injury coverage per accident; Maximum payment for serious injury or death to more than one person
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Drivers in Utah must carry at least $25,000 of bodily injury liability per person and $65,000 of coverage per accident. Also, $15,000 of property damage liability is required, as is $30,000 of personal injury protection to cover your medical expenses in the event of an accident.

Utah has a no-fault insurance system. This means you’re covered no matter who is at fault and you don’t need to wait for fault to be determined before being compensated. You can begin repairs on your vehicle, pay your doctors, and return to your life right away.

What Is the Blood Alcohol Concentration (BAC) limit in Layton, UT?

It’s against the law to drive in Utah at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

When it comes to drunk driving, Utah has the strictest laws in the nation. In early 2017, the State voted to lower the legal driving BAC from 0.08 to 0.05 percent. The lower limit also applies to anyone carrying a dangerous weapon, such as a gun. The new law takes effect on December 30, 2018.

What happens if my coverage lapses?

You cannot allow your coverage to lapse in Utah. If you’re convicted of driving without insurance, your license and vehicle registration may be suspended and you’ll be required to pay hefty reinstatement fees. Failure to provide insurance or operator’s security in Utah is a class B misdemeanor, requiring a minimum fine of $400 for a first offense and $1,000 for a second or subsequent offense within three years of a previous conviction.

Check Out Other Rates in Layton, UT Nearby Cities:

Bountiful, UT

Ogden, UT

Roy, UT

Salt Lake City, UT


Commute Time in Layton, UT

22.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Layton, UT


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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