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Car Insurance in Ogden, Utah

Ogden, Utah, nestled at the foot of the majestic Wasatch Mountains, is a vibrant city with a rich history and breathtaking natural beauty. Located in Weber County, Ogden is known for its unique blend of outdoor recreation, cultural attractions, and warm community spirit.

Ogden is a captivating city that offers drivers a perfect blend of natural beauty, cultural richness, and a welcoming community spirit. Drivers in Ogden who need car insurance, can do their research to know how much it should cost before choosing a provider. We will review the different costs of an auto policy here and help you get free quotes from multiple providers online to get the best policy so you can get on the roads and enjoying the beautiful scenery.

Ogden Utah Car Insurance rates

What is the Average Cost of Car Insurance in Ogden?

According to our recent insurance quotes cost database for Ogden, Utah – the average cost rates for state minimum coverage is $96 monthly or $1,156 yearly. A full coverage policy would cost $230 a month or $2,759 a year.

Our average cost calculations are based on a driver who is single, middle-aged, with good credit, a clean driving record, and currently drives a used 4door vehicle. See below for a more granular look based on your current city.

Which Provider Has the Cheapest Car Insurance in Ogden?

In Ogden the cheapest providers are Progressive, Geico and Allstate. Here is a cost breakdown of each for state minimum liability and full coverage costs on average based on insurance provider quotes:

Insurance Provider:State Minimum:Monthly Costs:Full Coverage:Monthly Costs:
Mid Century$1,501$125$3,514$293
State Farm$1,505$125$3,302$275

Average Cost of Car Insurance in UT by Vehicle Type

The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Utah. Our cost data is pulled based on different used vehicle types such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series coupe.

Here is the average cost of state minimum liability car insurance for each vehicle type across multiple real time quotes from UT drivers for a year of coverage on a used vehicle:

Here is a breakdown of state minimum vs. full coverage costs for each vehicle type below:

Used Car Type:State Minimum:Full Coverage:
Car (4 Door):$1,084$2,651
Hybrid Electric:$989$2,792
Luxury Coupe (2 Door):$898$3,565

New Vehicle Car Insurance Costs in Utah

For drivers who own newer vehicles your average auto insurance costs will be different than someone driving an older vehicle. Driving a newer vehicle can sometimes be more expensive on average or can be cheaper thanks to upgraded safety features. Here is a break down of auto insurance quotes given for 2022-2023 vehicles by type:

New Car Type:State Minimum:Full Coverage:
Car (4Door):$1,012$3,032
Hybrid Electic:$1,025$3,111
Luxury Coupe$917$4,064

Compare Costs by Utah City

Below is the breakdown in costs for Utah state minimum liability vs. full coverage policies based on all cities for monthly and annual rates:

StateState Minimum Monthly Cost:State Minimum Annual Cost:Full Coverage Monthly Cost:Full Coverage Annual Cost:
American Fork$102$1,218$236$2,830
Cedar City$80$966$204$2,448
Cottonwood Heights$102$1,229$242$2,903

Auto Insurance Rates for Utah by County

Your auto insurance rate depends on the car you drive, your risk rate, and how often you drive. The particular county you live in will also affect your overall policy costs.

Here is an average costs breakdown of all car insurance rates for each Utah county by vehicle type from our updated costs database:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Box Elder$1,208$988$1,165$1,111$1,238

How Age Affects Auto Coverage Costs in Utah

Generally, younger drivers tend to have higher insurance premiums compared to older drivers. This is primarily because statistics show that younger drivers, especially teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their lack of driving experience and riskier behavior on the road.

Insurance companies consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safe driving habits over time, their insurance rates usually decrease.

Older drivers may also experience changes in their insurance costs as they age. Typically, drivers over the age of 25 tend to see a decline in their insurance premiums. This is because as individuals mature and gain more experience behind the wheel, they generally become safer drivers and pose a lower risk to insurance providers.

Here is a breakdown of what you can expect to pay for an auto policy for a 4 door used vehicle in Utah based on your age for state minimum and full coverage:

AgeState Minimum:Monthly Costs:Full Coverage:Monthly Costs:

How Much Car Insurance is Required in Utah?

Utah requires every registered vehicle in the state to have no-fault insurance. This insurance covers you whether or not you are at fault in an accident. Here are the mandatory minimum coverage levels:

While you need these insurance minimums, most people choose to get more protection in order to protect their assets. Utah also requires that you carry your proof of insurance card with you whenever you drive. There are fines for not having insurance. You can check this information at the state’s code section: Title 31A Chapter 22.

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