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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 |
Find affordable Ogden rates
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 |
Find affordable Ogden rates
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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.