For a 40-year-old driver with a clean record, Ogden car insurance averages about $244 a month ($2,931 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Utah average of $242 a month. GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the insurers we rank, at about $175 and $180 a month.
Ogden is priced close to the Utah average for our benchmark driver, about $2 a month more, and about $17 a month less than Salt Lake City.
Our data covers five ZIP codes with an Ogden mailing address, including North Ogden and South Ogden, from about $237 a month in 84414 to $254 in 84401.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Ogden ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Ogden, UT?
Full coverage in Ogden averages $2,931 a year, or about $244 a month, for our benchmark driver. Liability-only coverage at 25/70/15 limits averages $1,396 a year ($116 a month), and 50/100/50 liability with comprehensive and collision averages $2,749 ($229 a month).
- Full coverage (100/300/100, $500 deductibles): $2,931 a year ($244 a month)
- 50/100/50 with $500 deductibles: $2,749 a year ($229 a month)
- Liability only (25/70/15): $1,396 a year ($116 a month)
- Weber County: $2,916 a year ($243 a month) for full coverage
- Utah average: $2,908 a year ($242 a month) for full coverage
- ZIP code range: $237 (84414) to $254 (84401) a month for full coverage
Cheap Car Insurance in Ogden: Companies Compared
- Lowest averages among insurers we rank, full coverage: GEICO and Auto-Owners, effectively tied at about $175 and $180 a month.
- Next lowest: Progressive at $191, then Allstate at $254.
- Lowest liability-only average among insurers open to all drivers (25/70/15): Auto-Owners, at about $73 a month, then GEICO and Allstate, effectively tied at $90 and $91.
- Also on our list: USAA at about $125 a month, Nationwide at $138, American Family at $204 and Farm Bureau Financial Services at $287 (USAA sells only to military families).
- Most expensive in our data: State Farm, at about $393 a month, $2,612 a year more than GEICO for the same driver and car.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average among the six insurers in our Ogden rate data. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA, which sells only to military families. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $73 a month, followed by GEICO and Allstate, effectively tied at $90 and $91.
Full-coverage averages by insurer in Ogden
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $1,080 | $90 | $2,101 | $175 |
| Auto-Owners | $876 | $73 | $2,160 | $180 |
| Progressive | $1,169 | $97 | $2,290 | $191 |
| Allstate | $1,095 | $91 | $3,044 | $254 |
| Farmers | $1,797 | $150 | $3,281 | $273 |
| State Farm | $2,363 | $197 | $4,713 | $393 |
| USAA (military families)* | $692 | $58 | $1,498 | $125 |
| Nationwide* | $960 | $80 | $1,656 | $138 |
| American Family* | $1,558 | $130 | $2,442 | $204 |
| Farm Bureau Financial Services* | $1,145 | $95 | $3,442 | $287 |
| Ogden average | $1,396 | $116 | $2,931 | $244 |
This table uses Ogden ZIP codes only. See how we calculated these rates.
Ogden Car Insurance Rates by ZIP Code
Across the five Ogden ZIP codes we price, full coverage for our driver ranges from about $237 a month in 84414 to $254 in 84401, a gap of $206 a year. 84414, which covers North Ogden and Pleasant View, and 84405, south of downtown, are the least expensive Ogden ZIP codes in our data, and 84401, which includes downtown and west Ogden, the most expensive.
Lowest-priced Ogden ZIP codes
Highest-priced Ogden ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Ogden’s average.
| ZIP Code: | Liability Only 25/70/15 (Yearly): | Liability Only 25/70/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 84401 | $1,460 | $122 | $3,051 | $254 | +4% |
| 84403 | $1,424 | $119 | $2,985 | $249 | +2% |
| 84404 | $1,375 | $115 | $2,924 | $244 | About average |
| 84405 | $1,374 | $115 | $2,852 | $238 | -2% |
| 84414 | $1,349 | $112 | $2,845 | $237 | -3% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Ogden?
Raising liability limits from 50/100/50 to 100/300/100 adds about $182 a year on average in our Ogden data, with the same $500 deductibles. That’s about $15 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Ogden?
Yes, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Ogden ZIP codes, their full-coverage average rose from $3,007 a year in rates as of Nov. 30, 2025, to $3,086 as of Aug. 31, 2026, a 2.6% increase. State Farm raised its average 5.5% and Farmers 5.2%, while Allstate’s, GEICO’s and Progressive’s averages were about unchanged. Auto-Owners is new in our rates since November 2025, so it’s left out, which is why these averages differ from the Ogden average above. Liability-only coverage at 25/70/15 limits rose 4.2%, led by Farmers, which raised its liability-only average 14.0%.
What Shapes Car Insurance Costs in Ogden
Weber County averages about $243 a month for full coverage, the third-most expensive of the 21 Utah counties we price, behind Salt Lake and Utah counties.
Roy, to the southwest, averages about $243 a month and Hooper $236, while Layton, south in Davis County, averages $240. Utah insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Ogden Car Insurance Compares With Other Utah Cities
More Utah cities and towns are in the Utah rates by city table, and you can compare states on our car insurance rates by state page.
Logan, about 35 miles north, averages $216 a month, and Salt Lake City, about 32 miles south, $261. West Valley City averages $280.
What Car Insurance Is Required in Ogden?
Drivers in Ogden follow Utah’s rules. Every policy issued or renewed since Jan. 1, 2025, must include at least:
- Liability coverage of $30,000 per person and $65,000 per crash for injuries and $25,000 for property damage, or a $90,000 single limit
- Personal injury protection that pays at least $3,000 per person in medical bills, plus lost wages and other benefits
- Uninsured and underinsured motorist coverage, unless you reject it in writing
Our Utah requirements guide covers the no-fault rules and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Ogden
- Compare GEICO and Auto-Owners first. They have the two lowest full-coverage averages among the insurers we rank in Ogden, about $175 and $180 a month.
- Quote several insurers. Among the insurers we rank in Ogden, the lowest and highest averages are about $218 a month apart for the same driver and car.
- Answer any insurance letter. Utah matches registrations with insurers’ records, and if a notice says your car looks uninsured, you have 15 days to send proof, under Utah Code 41-12a-804. A revoked registration costs $100 to reinstate, according to the Utah DMV.
- Compare at every renewal. Since November 2025, State Farm has raised its average 5.5% and Farmers 5.2%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Utah home insurance rates before you shop.
Ready to compare
How We Calculated Ogden Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 30 full-coverage premiums from six insurers across five Ogden ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/70/15 limits, with 25/100 uninsured and underinsured motorist coverage and no comprehensive or collision. Utah’s minimum has been 30/65/25 since Jan. 1, 2025, so our liability-only prices use lower per-person injury and property damage limits than the law requires and a per-person uninsured motorist limit below the law’s $30,000 floor. Every Utah policy must include personal injury protection; the rate data doesn’t list the amount priced, so we don’t state one for these prices.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Auto-Owners is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Utah rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Utah law and the Utah Insurance Department. We refresh these figures when new rate data is released.
Ogden Car Insurance FAQ
For our benchmark driver, full coverage in Ogden averages about $244 a month ($2,931 a year) and liability-only coverage at 25/70/15 limits about $116 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Utah average of $242 a month.
GEICO and Auto-Owners are effectively tied for the lowest full-coverage average in our Ogden rate data, at about $175 and $180 a month. Progressive’s average is next, at $191. For liability-only coverage at 25/70/15 limits, Auto-Owners has the lowest average among the insurers we price, at about $73 a month. The published 2026 statewide Utah rate studies we reviewed disagree on which insurer is cheapest for full coverage: four of the eight put GEICO first, two Nationwide and two Auto-Owners, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Ogden, for our benchmark driver. Ogden full coverage averages about $244 a month and Salt Lake City about $261, a difference of about $17 a month for the same driver and car.
In our data, 84414 has the lowest full-coverage average in Ogden, at about $237 a month, and 84401 the highest, at about $254. The ZIP code table on this page lists all five.
In our Ogden data, full coverage (100/300/100 with $500 deductibles) averages about $244 a month and liability-only coverage at 25/70/15 limits about $116, a difference of about $128 a month ($1,535 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the five insurers in both sets of rates (Auto-Owners is new since November 2025), their Ogden full-coverage average rose 2.6%, from about $3,007 to $3,086 a year. That’s higher than the Ogden average of $2,931 because it leaves out Auto-Owners. State Farm raised its average 5.5% and Farmers 5.2%. Liability-only coverage at 25/70/15 limits rose 4.2%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
