Cheapest Car Insurance In Ogden, UT 2025

USAA offers the most affordable minimum coverage car insurance in Ogden, with an average monthly cost of $57.

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Updated: 03 February 2025
Written by Bob Phillips
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When searching for the most affordable car insurance in Ogden, UT, the choices can differ significantly.

For liability-only coverage, USAA stands out as the top pick for low rates. If you’re after full coverage, USAA also offers the best deals. However, young drivers may find the most budget-friendly rates with Clearcover.

Cheapest Car Insurance In Ogden, UT

Cheapest Liability-only Car Insurance In Ogden: USAA

USAA offers the lowest rates for minimum coverage car insurance in Ogden, averaging just $57 per month.

Refer to the table below to compare costs from various insurance companies.

Provider Average Monthly Cost Average Annual Cost
USAA $57 $684
Auto-Owners $75 $900
Root $70 $840
State Farm $78 $936
Progressive $82 $984

Cheapest Full Coverage Insurance Rates In Ogden: USAA

USAA provides the most affordable full coverage car insurance in Ogden, with average monthly rates of $91.

Check the table below to see how other budget-friendly insurance providers compare.

Provider Average Monthly Cost Average Annual Cost
USAA $91 $1,092
State Farm $120 $1,440
Auto-Owners $105 $1,260
Progressive $124 $1,488
GEICO $132 $1,584

Cheapest Car Insurance Rates For Seniors: Clearcover

Clearcover offers the lowest car insurance rates for seniors in Ogden, averaging $65 per month.

Take a look at the table below for a comparison of average quotes from other affordable insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
Clearcover $65 $780
USAA $87 $1,044
ACCC $90 $1,080
Safeco $82 $984
Nationwide $120 $1,440

Cheapest Rates In Ogden For Teenagers: Farm Bureau

Teen drivers in Ogden can get the lowest rates from Farm Bureau, with average monthly premiums of $190.

Check out the table below for a comparison of the most affordable insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau $190 $2,280
Auto-Owners $287 $3,444
Progressive $281 $3,372
Geico $322 $3,372
State Farm $380 $4,560

Cheapest Auto Insurance For Young Adults in Ogden: Clearcover

Clearcover provides the most affordable car insurance for young adults in Ogden, with average monthly rates of $85.

Use the table below to compare the lowest auto insurance rates for young adults in Ogden.

Provider Average Monthly Cost Average Annual Cost
Clearcover $85 $1,020
USAA $123 $1,476
Esurance $115 $1,380
Bear River $102 $1,224
ACCC $148 $1,776

Cheapest Car Insurance In Ogden For Good Drivers: USAA

Good drivers in Ogden can get the lowest car insurance rates from USAA, with an average cost of $57 per month.

Check the table below to compare average quotes from other affordable insurance providers for good drivers.

Provider Average Monthly Cost AverageAnnual Cost
USAA $57 $684
State Farm $78 $936
Sun Coast $75 $900
Auto-Owners $75 $900
Root $70 $840

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Cheapest Car Insurance In Ogden After A Speeding Ticket: USAA

USAA stands out as an affordable option in Ogden, offering average rates of $80 per month for drivers with a speeding ticket.

Refer to the table below to compare average rates for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
USAA $80 $960
Auto-Owners $97 $1,164
State Farm $105 $1,260
Progressive $109 $1,308
GEICO $112 $1,344

Cheapest For Drivers With After At-Fault Accident: USAA

USAA provides the most affordable car insurance for drivers with an at-fault accident, with average monthly rates of $83.

Below is a list of insurance companies offering the lowest rates for drivers with an at-fault incident on their record.

Provider Average Monthly Cost Average Annual Cost
USAA $83 $996
State Farm $107 $1,284
Root $95 $1,140
GEICO $115 $1,380
American Family $136 $1,632

Cheapest Rates In Ogden For Drivers After A DUI: USAA

USAA offers the lowest rates for drivers with a DUI in Ogden, with average monthly premiums of $97.

Check the table below to find the cheapest car insurance rates for drivers with a DUI in Ogden.

Provider Average Monthly Cost Average Annual Cost
USAA $97 $1,164
Root $105 $1,260
State Farm $129 $1,548
Sun Coast $123 $1,476
Progressive $137 $1,644

Best Car Insurance Companies In Ogden

USAA provides the most affordable car insurance in Ogden, with rates starting at $65 per month. Clearcover and Safeco are also worth considering, with average premiums of $90 and $112 per month, respectively.

Below is a list of the top 10 car insurance companies in Ogden, UT, ranked by their average monthly rates.

Company Monthly Premium
USAA $65
Clearcover $90
Safeco $112
State Farm $115
GEICO $128
ACCC $129
Nationwide $135
Farm Bureau $150
Auto-Owners $156
American Family $160

Average Auto Insurance Rates In Ogden- By Age

Age plays a significant role in determining car insurance rates. Generally, younger drivers face higher premiums because they have less experience and are more likely to be involved in accidents or traffic violations. For example, teenagers often pay around $3,446 annually for car insurance.

Once drivers turn 25, their rates tend to drop, provided they have a clean driving history.

The best insurance rates are usually available to drivers in their 50s and early 60s. Insurance providers use age as a way to gauge a driver’s experience and risk level, which directly impacts the cost of premiums.

Age Average Yearly Rate
Teenagers $3,446
20s $2,185
30s $1,650
40s $1,500
50s $1,380
60s $1,260
70s $1,416

Average Rates In Ogden- By Vehicle

The kind of vehicle you drive has a major impact on your car insurance rates. Insurance providers consider factors like the make, model, year, and body style of your car. In general, newer cars, especially luxury models with advanced features and higher replacement costs, usually come with higher insurance premiums.

You can refer to the table below to see the average rates in Ogden for various vehicles.

Vehicle Average Monthly Rate
Dodge Dart $168
Dodge Journey $115
Volvo XC90 $150
Nissan Altima $247

How Much Is Car Insurance In Other Cities in Utah?

Where you live has a significant impact on your car insurance rates. Insurance companies consider factors like accident frequency, vehicle theft, and vandalism rates, which tend to be higher in cities. This increased risk usually leads to higher premiums.

For instance, drivers in Bountiful typically pay about $125 per month for car insurance, whereas those in Hildale pay an average of $121 per month.

City Average Monthly Rate
Bountiful $125
Hildale $121
Cedar City $103
Logan $116
Clearfield $128
Saint George $98
Layton $130
Park City $145
Sandy $119
Orem $122

Average Cost Of Auto Insurance In Ogden- By Zip Code

Zip codes play a role in helping insurers assess crime rates in your area, which is why car insurance rates vary by zip code.

Refer to the table below to find the average insurance rates for different zip codes in Ogden.

Zip Code Average Monthly Rate
84405 $128
84404 $115
84112 $65
84402 $50
84401 $132

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Ogden, UT.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Ogden?

In Ogden, USAA provides the lowest car insurance rates for both the minimum coverage required by the State of Utah and for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Ogden?

The average monthly cost of car insurance in Ogden is around $120. However, rates can differ depending on factors such as your zip code, the year and model of your vehicle, and your driving history.

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