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Car Insurance in Sandy, Utah

Sandy, Utah is a dynamic city located in Salt Lake County, nestled against the breathtaking Wasatch Mountains. With its blend of natural beauty, thriving economy, and vibrant community, Sandy offers an exceptional quality of life for its residents. Drivers in Sandy looking for cheap car insurance can find many providers that offer affordable auto insurance policies. We compare what you can expect on average to pay for different car insurance coverage.

What is the Average Cost of Car Insurance in Sandy?

According to our recent insurance quotes cost database for Sandy, Utah – the average car insurance rates for state minimum coverage is $98 monthly or $1,173 yearly. A full coverage policy would cost $253 a month or $3,046 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 Auto Insurance Rates?

In Sandy, Utah the cheapest providers are GEICO, Progressive and State Farm. Here is a cost breakdown of each for state minimum liability and full coverage costs on average based on insurance provider quotes:

Insurance ProviderState Minimum:Monthly Costs:Full Coverage:Monthly Costs:
GEICO$904$75$2,490$207
Progressive$783$65$2,171$181
State Farm$1,536$128$3,639$303
Mid-Century$1,522$127$3,830$319
Allstate$1,117$93$3,101$258

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
SUV:$986$2,362
Truck:$1,128$3,029

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
SUV:$983$2,636
Truck:$1,139$3,522

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
Clearfield$97$1,167$228$2,738
Cottonwood Heights$102$1,229$242$2,903
Draper$101$1,208$239$2,871
Enterprise$84$1,007$221$2,647
Harrisville$95$1,145$228$2,741
Heber$86$1,029$228$2,741
Holladay$105$1,258$247$2,963
Kamas$83$992$226$2,711

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:
Beaver$1,219$1,009$1,187$1,166$1,256
Box Elder$1,208$988$1,165$1,111$1,238
Cache$1,133$956$1,114$1,073$1,158
Carbon$1,214$963$1,182$1,072$1,251
Daggett$1,214$1,004$1,182$1,196$1,251
Davis$1,113$956$1,084$1,100$1,124
Duchesne$1,214$1,004$1,182$1,143$1,251
Emery$1,214$973$1,159$1,091$1,251
Garfield$1,214$1,004$1,182$1,133$1,251
Grand$1,078$897$1,014$1,079$1,148

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:
17$3,614$301$9,595$800
18$3,001$250$8,311$693
20$1,867$156$5,263$439
22$1,301$108$3,731$311
24$1,109$92$3,197$266
29$1,008$84$2,882$240
34$981$82$2,766$231
39$988$82$2,770$231
44$995$83$2,781$232
49$981$82$2,738$228

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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