Ogden Car Insurance

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

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What Is the Average Cost of Car Insurance in Ogden?

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 Ogden typically pay around $95.89 per month compared to the national average of $135.61 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 $135.61
Utah $103.30
Ogden, Utah $95.89

Ogden, UT Best Car Insurance Companies

car insurance in Ogden

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, USAA generally has the most affordable car insurance in Ogden coming in around $66.86 per month. Other companies to consider if you live in Ogden is Bear River with an average cost of $74.50 per month and Clearcover which typically runs around $83.92 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Ogden.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $66.86-35.27%
2 Bear River $74.50-27.88%
3 Clearcover $83.92-18.75%
4 ACCC Insurance Company $93.84-9.15%
5 Farm Bureau Mutual (IA Group) $100.81-2.41%
6 Esurance $104.941.59%
7 SAFECO $106.142.75%
8 Nationwide $107.373.94%
9 State Farm $120.5416.69%
10 Auto-Owners Insurance Co $126.7822.73%

How Much is Car Insurance in Ogden, UT?

how much is auto insurance in Ogden

Rates can vary from city to city. The residents of Ogden typically pay $95.89 per month while people who live in Orem will pay $103.40 per month on average. See what people pay for car insurance in other cities in Utah.

Utah CitiesMonthly Average Rate
Ogden $95.89
Orem $103.40
Provo $108.28
Salt Lake City $108.58
Sandy $104.47

Cheap Car Insurance in Ogden by Zip Codes

find cheap auto insurance in Ogden

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.

Ogden, UT ZIP CodeAverage Monthly Rate
84201$54.96
84401$94.13
84403$96.64
84404$87.35
84405$130.85
84408$152.66
84414$81.14

Car Insurance Rates by Driver's Age Group in Ogden

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $217.83 per month in Ogden. Compare that to drivers in their 30’s who typically pay around $73.64 per month drivers in their 40s at $71.99 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
16-19$217.83
20s$113.52
30s$73.64
40s$71.99
50s$60.81
60s$61.18
70+$86.85

Cheapest Insurance for Teenage Drivers in Ogden

If you are teen in Ogden 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, Bear River typically charges around $123.50 per month. This is likely the most affordable option in Ogden. You might also want to consider USAA and SAFECO who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Bear River$123.50
USAA$137.96
SAFECO$171.42
ACCC Insurance Company$173.00
Farm Bureau Mutual (IA Group)$182.97

Cheapest Insurance for 20 Year-olds in Ogden

20 year-olds in Ogden might want to consider USAA who, on average, offers car insurance rates around $91.56 per month. Clearcover, Bear River , ACCC Insurance Company and Esurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$91.56
Clearcover$94.66
Bear River$120.20
ACCC Insurance Company$130.49
Esurance$132.73

Cheapest Insurance for 30 Year-olds in Ogden

If you are in your 30s in Ogden our research has found that USAA typically has the most affordable coverage coming in around $54.82 per month, followed by Bear River at $60.33 and Clearcover at $80.67.

CompanyAverage Monthly Rate
USAA$54.82
Bear River$60.33
Clearcover$80.67
Farm Bureau Mutual (IA Group)$80.69
Esurance$84.67

Cheapest Insurance for 40 Year-olds in Ogden

On average, USAA offers car insurance for 40 year-olds in Ogden for around $59.32 per month. If you are looking for affordable coverage, you may also want to consider Bear River or ACCC Insurance Company. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$59.32
Bear River$61.05
ACCC Insurance Company$87.33
Clearcover$91.90
Esurance$92.14

Cheapest Insurance for 50 Year-olds in Ogden

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Ogden we found that USAA generally offers the most affordable coverage at $48.78 per month.

CompanyAverage Monthly Rate
USAA$48.78
Bear River$54.15
Clearcover$62.06
ACCC Insurance Company$64.70
Nationwide$70.03

Cheapest Insurance for 60 Year-olds in Ogden

If you live in Ogden and you’re in your 60s, our data indicates that USAA usually has the best rates at $48.28 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$48.28
Bear River$49.07
ACCC Insurance Company$61.88
SAFECO$63.73
Nationwide$69.19

Driver's Coverage Auto Insurance Rates in Ogden, 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 Ogden, the average monthly rate for a driver who is currently insured is $96.10 while drivers who are not currently covered will pay around $95.57.

CoverageAverage Monthly Rate
Not Currently Insured $95.57
Currently Insured $96.10

Compare Recent Car Insurance Quotes in Ogden

auto insurance quotes in Ogden 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 Ogden a driver of a 2006 Toyota Rav4 can expect to pay around $56.93 per month while someone that owns a 2002 Mazda Protege may pay around $58.40 per month. Check out the list of recent quotes in Ogden below.

VehicleAverage Monthly Rate
2006 Toyota Rav4$56.93
2002 Mazda Protege$58.40
2012 Honda Odyssey$61.98
2003 Ford Taurus$51.85
2017 Nissan Sentra$86.02
2008 Ford Fusion$71.90
2018 Nissan Altima$95.75
2005 Cadillac Deville$58.85
2017 Nissan Sentra$90.05
2017 Nissan Sentra$90.05

FAQ's for Drivers in Ogden, UT

driver’s frequently asked question in Ogden

What Is the Minimum Liability Coverage Requirement in Ogden, 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 Ogden, 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.

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Commute Time in Ogden, UT

20.3 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Ogden, UT

193

Methodology
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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